Larecoin Vs NOWPayments Vs CoinPayments: Which Crypto POS System Actually Puts More Money in Your Pocket?

Let's cut straight to it.

You're accepting crypto. Smart move. But every percentage point you pay in processing fees? That's money walking out the door.

NOWPayments. CoinPayments. Larecoin. All three promise crypto payment solutions. Only one actually lets you keep what you earn.

Here's the breakdown you need.

The Fee Structure Reality Check

Numbers don't lie. Let's look at what each platform actually costs you.

NOWPayments: 0.5-1% processing fees per transaction. Industry standard. Nothing revolutionary.

CoinPayments: Same ballpark. 0.5-1% processing fees. Reliable. Predictable. Still eating into your margins.

Larecoin: Gas-only transfer model. You pay network fees. That's it.

Here's where it gets interesting.

Run $500,000 in annual transaction volume through NOWPayments or CoinPayments. You're looking at roughly $3,750 in fees. Every. Single. Year.

Run that same volume through Larecoin. Under $2,000 in network costs.

That's a 50%+ reduction. Real money. Your money.

Traditional payment processors charge 2.5-3.5%. Crypto was supposed to fix this. Most platforms just took a smaller cut instead of eliminating it entirely.

Larecoin took a different approach.

Self-Custody: Your Keys, Your Coins

Here's where merchant freedom actually means something.

Platform	Custody Model
NOWPayments	Non-custodial option available
CoinPayments	Custodial model
Larecoin	Full self-custody

CoinPayments holds your funds. Period. You're trusting a third party with your revenue.

NOWPayments offers non-custodial options. Better. But still routing through their infrastructure.

Larecoin? True self-custody. Funds go directly to your wallet. No intermediary holding your money. No waiting for settlements. No counterparty risk.

This matters more than most merchants realize.

Every exchange hack. Every platform freeze. Every "temporary withdrawal suspension." None of that touches you when you control your own keys.

Decentralization isn't a buzzword here. It's operational security.

Processing Speed Comparison

Time is money. Literally.

NOWPayments: Approximately 5 minutes per transaction. Solid.

CoinPayments: Minutes to hours. Variable. Depends on network conditions and their processing queue.

Larecoin: Near-instant. Direct wallet-to-wallet transfers.

When a customer pays, you want confirmation. Not waiting. Not hoping. Immediate verification.

Near-instant processing changes the checkout experience. Customer pays. You see it. Transaction complete.

No awkward waiting periods at the register.

Network Fee Control

Here's a detail that compounds over time.

NOWPayments lets you customize network fees. Useful for optimizing during high-congestion periods.

CoinPayments? Fixed fee structures. You get what you get.

Larecoin gives you full control. Choose your network fee based on urgency. Batch transactions during low-congestion windows. Optimize every single transfer.

Smart merchants save thousands annually just by timing their settlements strategically.

The LUSD Stablecoin Advantage

Volatility kills merchant confidence in crypto payments.

Accept $100 in Bitcoin. Wake up tomorrow. Could be $95. Could be $105. Unpredictable.

NOWPayments and CoinPayments address this through third-party stablecoin integrations. Functional. But adds complexity and additional conversion steps.

Larecoin built LUSD directly into the ecosystem.

Native stablecoin integration means:

• No third-party dependencies

• Seamless conversion within the same platform

• Reduced friction between accepting payment and holding stable value

You can accept volatile assets and instantly convert to LUSD. Or accept LUSD directly. Your choice. Your control.

Price stability without leaving the ecosystem.

NFT Receipts: Digital Proof That Actually Matters

This is where Larecoin separates from the pack entirely.

NOWPayments gives you transaction records. CoinPayments gives you confirmation emails.

Larecoin gives you NFT receipts.

Every transaction mints a verifiable, on-chain receipt. Permanent. Immutable. Provable.

Why does this matter?

For disputes: Blockchain-verified proof of payment. No he-said-she-said.

For accounting: Automated, timestamped records that can't be altered or lost.

For customer experience: Buyers receive collectible proof of purchase. Some merchants are already seeing customers prefer NFT receipts for high-value purchases.

For compliance: Auditable trails that satisfy regulatory requirements without manual documentation.

This isn't a gimmick. It's infrastructure innovation that solves real business problems.

The Merchant Portal Difference

Backend matters.

Both NOWPayments and CoinPayments offer merchant dashboards. Standard features. Transaction history. Basic analytics. Invoice generation.

Larecoin's merchant portal integrates:

• Real-time transaction monitoring

• LUSD conversion tools

• NFT receipt management

• Contactless POS integration

• Multi-wallet management

One dashboard. Complete control. No jumping between platforms to manage your crypto payments operation.

Integration and Setup

Let's be practical.

All three platforms offer relatively straightforward integration. E-commerce plugins. API documentation. Developer support.

But simplicity varies.

CoinPayments has been around longest. Extensive documentation. Lots of tutorials. Also lots of legacy complexity.

NOWPayments streamlined the process. Modern approach. Cleaner integration paths.

Larecoin focused on making setup as frictionless as the payments themselves. Merchant portal walks you through configuration. Contactless POS options for physical retail. Web3-native architecture means fewer workarounds for modern use cases.

The Real Cost Comparison

Let's put annual numbers side by side for a merchant processing $500,000 in crypto payments.

Cost Factor	NOWPayments	CoinPayments	Larecoin
Processing Fees	~$3,750	~$3,750	$0
Network Fees	Variable	Fixed	~$2,000
Total Annual Cost	~$4,000+	~$4,000+	~$2,000

That $2,000+ annual savings? It compounds.

Year one: $2,000 saved. Year five: $10,000 saved. Year ten: $20,000+ saved.

And that's at current volume. Scale up, and the gap widens dramatically.

Who Should Use What?

Choose NOWPayments if:

• You want established third-party verification

• Customizable network fees matter more than processing fee elimination

• You're comfortable with their non-custodial setup

Choose CoinPayments if:

• You prioritize platform longevity and track record

• Custodial simplicity outweighs self-custody concerns

• You need extensive cryptocurrency support

Choose Larecoin if:

• Maximum fee savings is the priority

• Self-custody and merchant independence are non-negotiable

• NFT receipts add value to your business model

• Native stablecoin integration matters

• You want Web3-native infrastructure, not retrofitted solutions

The Bottom Line

Every crypto payment platform promises lower fees than traditional processors.

Only Larecoin eliminates processing fees entirely.

Gas-only transfers. Full self-custody. Native LUSD stablecoin. NFT receipts. Near-instant settlement.

This isn't marginal improvement. It's structural advantage.

Your competitors are still paying 0.5-1% on every transaction. You don't have to.

Ready to keep more of what you earn?

Explore the Larecoin ecosystem and see why merchants are making the switch.

Join the Larecoin Community to connect with other merchants already saving on every transaction.