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

Interchange fees are eating your profits alive.

Every swipe. Every tap. Every transaction. Traditional payment processors take 2-4% off the top. That's thousands: sometimes millions: of dollars annually just vanishing into thin air.

Crypto payment solutions promise relief. But not all platforms deliver equally.

Let's break down the real numbers. Compare the actual fee structures. And figure out which crypto POS system genuinely slashes your interchange fees by 50% or more.

Spoiler: One platform stands way above the rest.

The Interchange Fee Problem Nobody Talks About

Merchants worldwide lose approximately $100 billion annually to payment processing fees. That's not a typo.

Traditional card networks charge:

• Interchange fees: 1.5-3.5%

• Assessment fees: 0.13-0.15%

• Processor markups: 0.2-0.5%

Add it all up? You're bleeding 2-4% on every single transaction.

Crypto payments eliminate the middlemen. No card networks. No banks skimming off the top. But here's the catch: some crypto payment platforms have quietly reintroduced similar fee structures.

The Three-Way Showdown: Fee Comparison

Let's get into the specifics.

NOWPayments

Processing fee: 0.5-1%

NOWPayments has been around since 2019. Solid reputation. Decent interface.

Key features:

• Customizable network fee options

• Merchants can absorb or blend network fees

• Processing speed: ~5 minutes average

• 300+ cryptocurrencies supported

The flexibility on network fees is nice. You can optimize checkout conversion by controlling what customers see. But that 0.5-1% processing fee? Still significant at scale.

Verdict: Better than traditional payments. Not revolutionary.

CoinPayments

Processing fee: 0.5-1%

CoinPayments launched back in 2013. One of the oldest in the game.

Key features:

• 2,000+ cryptocurrencies supported

• Basic e-commerce integrations

• Processing speed: Minutes to hours (variable)

• No customizable network fees

That processing speed variability is concerning. Hours? For a payment? In 2026?

And without customizable network fees, you lose control over the customer experience.

Verdict: Functional but dated. Fee structure mirrors NOWPayments without the flexibility.

Larecoin

Processing fee: Dramatically lower than competitors

Here's where things get interesting.

Larecoin's infrastructure was built from the ground up to eliminate unnecessary fee layers. Not patch them. Not reduce them slightly. Eliminate them.

Key features:

• 50%+ interchange fee reduction compared to traditional processors

• LUSD stablecoin integration for zero-volatility transactions

• NFT receipt system for immutable transaction records

• Full self-custody: you control your funds

• Gas-only transfers

• Contactless POS system

The difference? Architecture.

While NOWPayments and CoinPayments operate as intermediaries (holding your funds, processing transactions, then releasing money), Larecoin enables direct merchant-to-customer transactions.

No middleman holding your revenue hostage.

Why Fee Structure Matters More Than You Think

Let's do quick math.

Average merchant processing $500,000 annually:

Platform	Fee Rate	Annual Cost
Traditional Card	2.5%	$12,500
NOWPayments	0.75%	$3,750
CoinPayments	0.75%	$3,750
Larecoin	Significantly lower	Major savings

At $5 million annual volume? The difference becomes $50,000+ in recovered revenue with Larecoin.

That's not a rounding error. That's a full-time salary. New equipment. Marketing budget. Actual profit.

The LUSD Stablecoin Advantage

Crypto volatility scares merchants. Understandably.

Accept $100 in Bitcoin. Watch it drop to $85 before you can convert. That's not a sustainable business model.

Larecoin's LUSD stablecoin solves this completely.

LUSD benefits:

• Pegged stability: no wild swings

• Instant settlement

• Seamless conversion to fiat if needed

• Lower gas fees than ETH-based stablecoins

Your customer pays. You receive stable value. Done.

NOWPayments and CoinPayments offer stablecoin options, sure. But they're integrating third-party solutions. Larecoin built LUSD natively into the ecosystem.

Native integration = faster processing, lower fees, better reliability.

NFT Receipts: Beyond the Gimmick

Let's talk about something neither NOWPayments nor CoinPayments offer.

NFT receipts.

Sounds like marketing fluff? It's not.

Traditional receipts are:

• Easy to lose

• Easy to forge

• Impossible to verify months later

• Nightmare for accounting

NFT receipts on Larecoin are:

• Immutable: permanently recorded on blockchain

• Verifiable: anyone can confirm authenticity

• Automated: no manual record-keeping

• Auditable: simplified tax season

For businesses dealing with warranties, returns, or compliance requirements? This is game-changing.

Every transaction creates an unalterable record. Dispute resolution becomes trivial. Audit trails become automatic.

And your customers? They get a verifiable proof of purchase that lives in their wallet forever.

Self-Custody: The Feature You Didn't Know You Needed

Here's where Larecoin fundamentally diverges from competitors.

NOWPayments holds your funds. CoinPayments holds your funds.

You're trusting third parties with your revenue. Again.

Remember the whole point of crypto? Eliminating trusted intermediaries?

Larecoin's self-custody model means your funds go directly to your wallet. Immediately. No waiting periods. No "processing times." No third party deciding when you can access your own money.

Self-custody benefits:

• No counterparty risk

• Instant access to funds

• No account freezes

• True financial sovereignty

• Reduced regulatory exposure

In 2026, after everything we've seen in crypto? Self-custody isn't a feature. It's a necessity.

Speed Comparison

Transaction speed matters. A lot.

Platform	Average Processing Time
NOWPayments	~5 minutes
CoinPayments	Minutes to hours
Larecoin	Near-instant

Customers don't wait hours. They barely wait minutes.

Larecoin's architecture on Solana delivers sub-second finality. Your customer pays. You see it. Immediately.

Integration Complexity

Setting up a crypto POS shouldn't require a development team.

NOWPayments offers decent plugins for major e-commerce platforms. CoinPayments has similar integrations, though some feel outdated.

Larecoin provides:

• Contactless POS terminal support

• Merchant portal for transaction management

• API access for custom integrations

• Smart wallet functionality

The merchant portal alone simplifies what competitors make complicated. One dashboard. All transactions. Real-time analytics.

The Bottom Line: Which Platform Actually Delivers?

Let's be direct.

NOWPayments and CoinPayments represent incremental improvements over traditional payment processing. They reduce fees somewhat. They accept crypto. They function.

But they didn't reimagine payments. They just digitized the same extractive model.

Larecoin built something different.

50%+ fee reduction. LUSD stability. NFT receipts for immutable records. True self-custody. Near-instant settlement.

This isn't about being slightly better. It's about fundamentally changing how merchants accept payments.

Your interchange fees aren't just numbers on a statement. They're profit you're leaving on the table. Growth you're not funding. Opportunities you're missing.

Ready to Slash Your Fees?

The math is simple. The decision is obvious.

Stop feeding unnecessary fees to platforms that add friction instead of value.

Larecoin's crypto POS system exists specifically to put more money in merchants' pockets. That's the entire point.

Check out the Larecoin ecosystem and see the difference for yourself. Your bottom line will thank you.

---

The future of payments isn't slightly cheaper cards. It's no cards at all. Just pure, efficient, low-fee crypto transactions.