Larecoin Vs NOWPayments Vs CoinPayments: Which Crypto POS System Actually Slashes Your Fees?

Fees eat profits. Period.

Every crypto merchant knows the sting. You're processing payments, building momentum, and then: boom: transaction fees slice into your margins like a hot knife through butter.

The 10-year Larecoin Blog Marathon continues. Today we're getting real about which crypto POS system actually delivers on fee savings. No fluff. No marketing nonsense. Just facts.

Let's break down Larecoin, NOWPayments, and CoinPayments head-to-head.

The Fee Problem Nobody Talks About

Most crypto payment processors advertise low fees. But the devil? It's in the details.

Hidden conversion costs. Network fees stacked on top. Withdrawal charges you didn't see coming.

Merchants lose 2-4% on average when you factor in everything. That's traditional credit card territory. Wasn't crypto supposed to fix this?

NOWPayments: The 0.5% Promise

NOWPayments has built a solid reputation. Fair. Their fee structure looks clean on paper:

• 0.5% service fee for single-currency payments

• 1% total fee when currency conversion kicks in (0.5% service + 0.5% exchange)

• Network fees vary by blockchain

The catch? Network fees are separate. Bitcoin and Ethereum transactions run $0.50-$1.50 each. During congestion? Way more.

Plus, you're trusting a custodial service with your funds. They hold. They control. You wait.

Flexibility exists: merchants can push network fees to customers. But that creates friction at checkout. Not ideal for conversion rates.

CoinPayments: The Veteran Player

CoinPayments has been around forever in crypto years. Their multi-coin support is legendary. 100+ cryptocurrencies accepted.

Standard fees hover around 0.5% per transaction. Competitive.

But here's what merchants discover:

• Withdrawal fees add up

• Conversion spreads aren't always transparent

• Custodial model means you don't truly own your funds until withdrawal

• Customer support? Mixed reviews at best

For high-volume merchants, these small percentages compound into serious money left on the table.

Enter Larecoin: The Self-Custody Difference

Here's where things get interesting.

Larecoin approaches crypto payments from a fundamentally different angle. Self-custody isn't a feature: it's the foundation.

Your keys. Your crypto. Always.

Fee Structure That Actually Makes Sense

Larecoin's contactless POS system eliminates the middleman markup. When you accept payments through the Larecoin ecosystem:

• Gas-only transfers keep costs predictable

• No hidden conversion fees eating your margins

• LUSD stablecoin option eliminates volatility AND reduces transaction costs

• Direct wallet-to-wallet settlement

The math is simple. Less intermediaries = less fees.

LUSD: Your Secret Weapon Against Volatility

Speaking of LUSD: this is where Larecoin merchants gain a serious edge.

Most crypto payment processors force you into a choice:

1. Accept volatile crypto and pray the price holds

2. Convert instantly and pay conversion fees

LUSD changes the game. It's a stablecoin built into the Larecoin ecosystem. Accept payments in LUSD. Hold in LUSD. Zero volatility stress. Minimal fees.

No scrambling to convert before Bitcoin dips. No paying exchange spreads to lock in fiat value.

Just stable, predictable revenue.

NFT Receipts: Beyond Basic Transaction Records

NOWPayments gives you transaction records. CoinPayments sends confirmations. Standard stuff.

Larecoin? NFT receipts.

Every transaction generates a unique, verifiable NFT receipt. This isn't a gimmick. It's powerful:

• Immutable proof of purchase on-chain

• Automated warranty tracking embedded in the NFT

• Customer loyalty integration through collectible receipts

• Accounting automation with blockchain-verified records

For merchants handling returns, warranties, or loyalty programs: NFT receipts eliminate disputes. The receipt lives forever on-chain. No "I never received that" arguments.

For customers? They're collecting proof of their purchases. Some merchants are even gamifying receipts into loyalty rewards.

This is Web3 commerce done right.

The Self-Custody Advantage Explained

Let's talk about what self-custody really means for your business.

With NOWPayments or CoinPayments, here's the flow:

1. Customer pays

2. Processor holds funds

3. You request withdrawal

4. Processor processes (eventually)

5. Funds hit your wallet

That's a lot of trust. A lot of waiting. A lot of counterparty risk.

With Larecoin's self-custody model:

1. Customer pays

2. Funds land directly in YOUR wallet

3. Done

No intermediary holding your revenue hostage. No withdrawal queues. No "processing delays."

You're running a business, not a bank's checking account.

US Compliance: The Elephant in the Room

Here's something most crypto payment articles skip. Compliance.

If you're operating in the United States, regulatory status matters. A lot.

NOWPayments and CoinPayments operate internationally. Their US compliance posture? Worth investigating before you integrate.

Larecoin takes a different approach. Rigorous US compliance strategy including:

• Money Services Business (MSB) registration

• State-by-state Money Transmitter License (MTL) strategy

• Proactive regulatory engagement

Why does this matter?

Because the last thing you need is your payment processor getting shut down mid-transaction. Or facing regulatory action that freezes merchant funds.

Larecoin is building for the long game. Compliant. Sustainable. Legitimate.

Feature Comparison: Quick Breakdown

Feature	Larecoin	NOWPayments	CoinPayments
Base Fee	Gas-only	0.5-1%	~0.5%
Self-Custody	✅ Yes	❌ No	❌ No
Stablecoin (LUSD)	✅ Native	⚠️ Via conversion	⚠️ Via conversion
NFT Receipts	✅ Yes	❌ No	❌ No
US Compliance Focus	✅ MSB + MTL	⚠️ Varies	⚠️ Varies
Hidden Fees	❌ Minimal	⚠️ Network fees	⚠️ Various

The Real Cost of "Cheap" Fees

Let's do quick math.

You process $100,000/month in crypto payments.

NOWPayments scenario:

• 0.5% service fee: $500

• Network fees (estimate): $200-400

• Conversion fees (if needed): Additional 0.5%

• Monthly cost: $700-1,000+

CoinPayments scenario:

• 0.5% fee: $500

• Withdrawal fees: Variable

• Conversion spreads: Hidden

• Monthly cost: $600-900+

Larecoin scenario:

• Gas fees only (Solana-based): Minimal

• LUSD eliminates conversion

• Self-custody means no withdrawal fees

• Monthly cost: Significantly lower

Over 12 months? The savings stack.

Over 10 years? You're talking serious capital preserved.

The Bottom Line

NOWPayments works. CoinPayments works. They've served the crypto merchant community for years.

But "works" isn't the same as "optimal."

If you want:

• True self-custody of your revenue

• NFT receipts that revolutionize record-keeping

• LUSD stability without conversion fees

• US-compliant infrastructure built for longevity

• Actual fee savings, not just competitive fees

Larecoin is the answer.

The Web3 payment revolution isn't about recreating traditional payment processing on blockchain. It's about leveraging what blockchain actually offers: self-sovereignty, transparency, and efficiency.

Ready to stop bleeding fees?

Explore Larecoin's merchant solutions and see what real crypto payment processing looks like.

The 10-year Blog Marathon continues. Stay tuned.