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

Let's talk about the elephant in the room.

Interchange fees are eating your margins alive. Every swipe, tap, and chip insert costs you 2.5-3.5% of your hard-earned revenue. On $500,000 in annual sales? That's $15,000+ vanishing into the void.

Crypto payment processors promise relief. But which one actually delivers?

Today, we're putting three contenders head-to-head: Larecoin, NOWPayments, and CoinPayments. No fluff. Just facts.

Welcome to part of the Larecoin 10-year Blog Marathon: where we break down why Web3 payments are the future of commerce.

The Fee Battle: Numbers Don't Lie

Here's what your payment processor isn't telling you.

Traditional card processing bleeds you dry. Crypto alternatives promise savings. But the gap between them? Massive.

Platform	Fee Rate	Annual Cost (on $500K revenue)
Traditional Card Processing	2.5-3.5%	~$15,000
NOWPayments	0.5-1%	~$5,000
CoinPayments	0.5-1%	~$5,000
Larecoin	Gas-only model	Under $2,000

Both NOWPayments and CoinPayments offer meaningful reductions. Dropping from $15K to $5K annually? That's significant.

But Larecoin's gas-only model takes it further. We're talking under $2,000 in annual processing costs on that same $500K volume.

For smaller merchants processing $10,000 monthly:

• Traditional processors: ~$320/month

• NOWPayments/CoinPayments: $75-100/month

• Larecoin: Even lower. No custodial risk attached.

The math is simple. More money stays in your pocket.

Self-Custody: Your Money, Your Control

Here's where things get interesting.

CoinPayments operates on a custodial model. Your funds sit in their wallets. Not yours. You're trusting a third party with your revenue.

NOWPayments markets itself as non-custodial but still acts as an intermediary. Funds flow through their system before reaching you.

Larecoin? Full self-custody through our smart wallet infrastructure.

What does that mean in practice?

• Funds go directly to YOUR wallet

• Immediate settlement

• Zero counterparty risk

• No waiting for withdrawals

• No withdrawal limits

The 2022-2023 crypto exchange collapses taught us a brutal lesson. Not your keys, not your crypto. Larecoin's architecture ensures you never have to learn that lesson the hard way.

Your revenue hits your wallet the moment a transaction confirms. Period.

LUSD: The Stablecoin Advantage

Volatility kills commerce.

Accepting Bitcoin when it's $100,000 and watching it drop to $80,000 before you can convert? That's not fee savings. That's a nightmare.

NOWPayments and CoinPayments integrate third-party stablecoin solutions. USDT. USDC. They work. But you're relying on external ecosystems with their own risks and limitations.

Larecoin's native LUSD stablecoin changes the equation.

Built directly into our ecosystem. Designed specifically for merchant operations. Pegged to USD value with mechanisms that ensure stability.

Benefits of LUSD for merchants:

• Instant conversion at point of sale

• No volatility exposure between transaction and settlement

• Seamless integration with Larecoin's POS system

• Lower conversion friction than third-party solutions

You accept payment. You receive stable value. Done.

No scrambling to convert before the market moves. No spreadsheet calculations to figure out your actual revenue.

NFT Receipts: Immutable Transaction Records

This is where Larecoin truly separates from the pack.

NOWPayments? Standard receipts. CoinPayments? Standard receipts. Larecoin? NFT receipts.

Every transaction generates an immutable, on-chain record minted as an NFT.

Why does this matter?

For merchants:

• Tamper-proof transaction history

• Simplified tax documentation

• Dispute resolution with blockchain verification

• Audit-ready records without manual reconciliation

For customers:

• Proof of purchase that can't be altered

• Digital collectible with every transaction

• Warranty verification built into the receipt

• Returns/exchanges verified on-chain

This isn't gimmick technology. It's practical innovation that solves real business problems.

Accounting becomes cleaner. Disputes become resolvable. Audits become painless.

Neither NOWPayments nor CoinPayments offers anything comparable.

Compliance: The US Regulatory Reality

Let's address the elephant nobody wants to talk about.

Operating a crypto payment processor in the United States isn't the Wild West anymore. Regulations exist. Enforcement happens. Choosing a non-compliant processor puts YOUR business at risk.

Larecoin's approach:

• Registered as a Money Services Business (MSB) with FinCEN

• State Money Transmitter License (MTL) strategy in progress

• Full KYC/AML compliance frameworks

• US-focused regulatory alignment

This isn't just paperwork. It's protection.

When regulators come knocking: and they will: you want a payment processor that can answer. Larecoin's rigorous compliance infrastructure means you're not gambling your business on regulatory gray areas.

NOWPayments and CoinPayments operate globally. That's fine for many use cases. But US merchants need US-compliant solutions.

We built Larecoin with American regulatory realities in mind.

Processing Speed: Time Is Money

Transaction confirmation times vary wildly across platforms.

• NOWPayments: Average ~5 minutes

• CoinPayments: Minutes to hours (depending on blockchain congestion)

• Larecoin: Near-instant settlement

For retail environments, speed matters. Customers don't want to stand at the register waiting for blockchain confirmations. Neither do you.

Larecoin's infrastructure is optimized for commerce. Fast confirmations. Quick settlement. Happy customers.

The Complete Comparison

Let's break it all down:

Feature	Larecoin	NOWPayments	CoinPayments
Fee Model	Gas-only	0.5-1%	0.5-1%
Custody	Self-custody	Non-custodial intermediary	Custodial
Native Stablecoin	LUSD	Third-party	Third-party
NFT Receipts	✅ Yes	❌ No	❌ No
US Compliance	MSB + MTL Strategy	Limited	Limited
Settlement Speed	Near-instant	~5 minutes	Minutes-hours

The differences aren't marginal. They're fundamental.

Making The Switch

Tired of watching interchange fees drain your revenue?

Ready for a payment solution that puts you in control?

Larecoin isn't just another crypto processor. It's a complete Web3 payment ecosystem designed for modern commerce.

What you get:

• Lowest possible transaction costs

• Full self-custody of funds

• LUSD stablecoin stability

• NFT receipts for every transaction

• US regulatory compliance

• Near-instant settlement

NOWPayments and CoinPayments offer improvements over traditional processing. Credit where it's due.

But Larecoin delivers the complete package. Fee savings. Self-custody. Innovation. Compliance.

Your Next Steps

The future of payments is decentralized. Self-custodied. Efficient.

Larecoin is building that future.

Ready to slash your interchange fees for good?

Explore the Larecoin ecosystem and see what gas-only transactions feel like.

Join the Larecoin Community to connect with merchants already making the switch.

The 10-year Blog Marathon continues. Stay tuned for more deep dives into Web3 payments, merchant solutions, and the Larecoin ecosystem.

Your margins will thank you.