Larecoin Vs NOWPayments Vs CoinPayments: Which Crypto POS System Actually Saves You Money?

Let's cut to the chase.

You're bleeding money on payment processing fees. Traditional card processors? They're taking 2.5-3.5% of every transaction. That's $12,500 to $15,000 annually on just $500K in revenue. Gone. Poof.

Crypto payment processors promised a better way. And yeah, they're cheaper than Visa. But are they cheap enough?

We're putting three major players head-to-head: Larecoin, NOWPayments, and CoinPayments. No fluff. Just numbers and features that actually matter to your bottom line.

The Fee Breakdown: Where Your Money Actually Goes

Here's the truth nobody wants to tell you.

NOWPayments and CoinPayments both charge 0.5-1% in processing fees. Sounds small. It's not.

Run $500,000 through your POS annually? You're looking at $3,750-$5,000 in fees. Every. Single. Year.

Larecoin plays a completely different game. Gas fees only. No percentage-based processing fees eating into your margins.

Let's make this real:

Platform	Processing Fee	Annual Cost ($500K Revenue)
Traditional Cards	2.5-3.5%	$12,500-$15,000
NOWPayments	0.5-1%	$3,750-$5,000
CoinPayments	0.5-1%	$3,750-$5,000
Larecoin	Gas only	Under $2,000

Smaller operation? $10,000 monthly revenue? Traditional processors take ~$320. NOWPayments or CoinPayments grab $75-100. Larecoin? Significantly less.

The math doesn't lie.

Self-Custody: Your Crypto, Your Keys, Your Rules

This is where things get spicy.

CoinPayments runs a custodial model. Translation? They hold your crypto. You trust them with your money. Sleep well?

NOWPayments offers non-custodial options. Better. But it's optional, not default.

Larecoin built self-custody into the DNA. The Smart Wallet system keeps funds under your control from the moment a customer pays until you decide what to do with them. Full stop.

No middleman holding your bags. No "we'll release your funds in 5-7 business days" nonsense. No counterparty risk keeping you up at night.

Your keys. Your crypto. Period.

NFT Receipts: Immutable Proof That Actually Matters

Here's something neither NOWPayments nor CoinPayments offer.

NFT receipts.

Every Larecoin transaction generates an immutable, on-chain receipt. Not a PDF. Not an email confirmation that can be deleted, altered, or "lost."

A permanent, verifiable record on the blockchain.

Why does this matter?

• Dispute resolution: "I never got my order!" Really? Here's the NFT receipt with timestamp and wallet addresses.

• Tax compliance: Your accountant will thank you. Every transaction, permanently documented.

• Audit trails: Regulators love paper trails. Digital, immutable paper trails? Even better.

• Customer trust: Give buyers proof they actually own. Not just a promise.

This isn't a gimmick. It's infrastructure for the future of commerce.

LUSD: The Stablecoin Advantage

Volatility kills crypto payments for merchants.

Accept Bitcoin. Watch it drop 15% before you can convert. Congratulations, you just sold that product at a loss.

Larecoin's native LUSD stablecoin solves this. Dollar-pegged. Stable. Predictable.

Customers can pay in various cryptos. Merchants receive LUSD. Value locked in. Sleep recovered.

NOWPayments supports 300+ cryptocurrencies. Impressive for flexibility. Terrible for stability unless you're immediately converting to fiat (which adds more fees and complexity).

CoinPayments? 40+ cryptos. Same volatility problem.

LUSD integration means:

• No scrambling to convert before prices tank

• Simplified accounting (everything's in stable USD-equivalent)

• Reduced fees from constant swaps and conversions

• Native ecosystem benefits within the Larecoin platform

Built on Solana. Near-instant settlement. Fees measured in fractions of a cent.

Processing Speed: Time Is Actually Money

Let's talk settlement times.

CoinPayments: Minutes to hours. Seriously. Hours. In 2026. For digital transactions.

NOWPayments: ~5 minutes average. Respectable.

Larecoin: Near-instant. Solana's architecture means transactions confirm in seconds. Your customer pays. You have it. Done.

For high-volume retail? Those extra minutes per transaction add up. Faster processing = better customer experience = more sales.

US Compliance: The Elephant In The Room

Here's where most crypto payment processors get... cagey.

Operating legally in the United States requires serious licensing. Money Services Business (MSB) registration at the federal level. State Money Transmitter Licenses (MTLs) for individual states.

It's expensive. It's complicated. It's why many processors either avoid the US entirely or operate in legal gray zones.

Larecoin's approach? Full compliance strategy.

MSB registration. State-by-state MTL acquisition. Playing by the rules that matter for legitimate business adoption.

Why should you care?

• Regulatory protection: Using non-compliant processors exposes YOUR business to risk

• Banking relationships: Compliant processors maintain stable banking, no sudden account freezes

• Enterprise adoption: Big companies won't touch non-compliant payment solutions

• Longevity: Regulators are coming. Compliant platforms survive. Others don't.

NOWPayments and CoinPayments operate globally with varying compliance levels. Larecoin's rigorous US-focused strategy positions it specifically for American merchants who need bulletproof legal standing.

Feature Comparison: The Full Picture

Feature	Larecoin	NOWPayments	CoinPayments
Processing Fee	Gas only	0.5-1%	0.5-1%
Self-Custody	Default	Optional	No
NFT Receipts	Yes	No	No
Native Stablecoin	LUSD	No	No
Settlement Speed	Near-instant	~5 minutes	Minutes-hours
Cryptos Supported	Growing ecosystem	300+	40+
US Compliance	MSB + MTL strategy	Varies	Varies
Network	Solana	Multiple	Multiple

The Real Cost of "Cheap" Processors

NOWPayments and CoinPayments aren't bad. They're just... outdated models.

Percentage-based fees made sense in the early crypto days. Processors needed revenue to build infrastructure and manage risk.

But we're past that now.

Blockchain technology enables trustless, permissionless transactions. Smart contracts handle what humans used to manage. Decentralization eliminates counterparty risk.

Why pay 0.5-1% for services the blockchain provides for free?

Larecoin's gas-only model isn't charity. It's economics. When the technology handles processing, you shouldn't pay processing fees. You pay for the blockchain resources used (gas) and that's it.

Who Should Use What?

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• Non-US operations are your primary market

• Flexibility matters more than cost optimization

Choose CoinPayments if:

• You want a custodial solution (and trust the custodian)

• Legacy integrations work for your existing setup

• 40+ cryptos covers your customer base

Choose Larecoin if:

• Fee savings matter to your margins

• Self-custody is non-negotiable

• US compliance is required

• NFT receipts and immutable records add value

• Near-instant settlement improves your operations

• You want stablecoin stability without constant conversions

The Bottom Line

Every percentage point in fees is money leaving your business.

Over five years, a $500K annual revenue business saves $8,750-$15,000 choosing Larecoin over percentage-based competitors. Ten years? We're talking serious capital that could fund expansion, inventory, marketing: anything except some payment processor's profit margins.

Crypto payments were supposed to disrupt the status quo. Larecoin actually delivers on that promise.

Ready to stop overpaying?

Check out Larecoin's merchant solutions and see what gas-only processing actually looks like.

Your accountant will thank you.