Larecoin Vs NOWPayments Vs CoinPayments: Which Crypto POS System for Small Business Actually Cuts Your Fees in Half?

Let's cut straight to it.

You're a small business owner. Every transaction costs you money. Credit cards? 2.5% to 3.5% interchange fees. PayPal? Even worse. Those fees add up fast. Over a year, you're bleeding thousands.

Crypto payments promised to fix this. But here's the dirty secret: most crypto POS providers aren't actually saving you that much.

NOWPayments charges 0.5%. CoinPayments charges 0.5%. Sound familiar? They're basically the same.

So where's the real fee-slashing revolution?

Enter Larecoin. And its ecosystem that actually delivers on the 50% savings promise.

The Fee Problem Nobody's Talking About

Small businesses process anywhere from $100K to $500K annually. At a 2.5% interchange rate? That's $2,500 to $12,500 gone. Every. Single. Year.

Crypto was supposed to eliminate middlemen. Cut costs. Give power back to merchants.

But most crypto POS systems just became new middlemen. Different logo. Same fees.

NOWPayments: The Rundown

NOWPayments is solid. No denying it.

The Good:

• 0.5% base transaction fee

• 300+ supported cryptocurrencies

• API integration for developers

• Mass payouts for businesses

The Not-So-Good:

• Add currency conversion? That's another 0.5%. Now you're at 1%.

• Need fiat conversion? Jump to 1.5%-2.3%.

• Custodial model means they hold your funds.

For a small business processing $200K annually, NOWPayments at 1% (with conversion) costs you $2,000. Better than Visa's $5,000+, sure. But still significant.

And here's the kicker: you don't control your keys. They do.

CoinPayments: What You Get

CoinPayments has been around since 2013. Battle-tested.

The Good:

• 0.5% flat fee

• Wide crypto support with weekly additions

• No hidden fees

• Shopping cart plugins galore

The Not-So-Good:

• Still a custodial solution

• Limited innovation in recent years

• No stablecoin ecosystem integration

• Basic receipt/accounting features

Same math. $200K at 0.5% = $1,000 annually. Decent. But still leaving money on the table.

Both platforms essentially mirror each other. Same fee structure. Same custodial approach. Same limitations.

Larecoin: The Fee-Slashing Difference

Here's where it gets interesting.

Larecoin isn't just another crypto payment processor. It's an entire ecosystem built around one goal: slash interchange fees by 50% compared to legacy systems.

The Ecosystem:

• LARE - The receivables token powering the network

• LUSD - Stable coin version for price stability

• LarePAY - Merchant payment processing

• LareBlocks - Infrastructure layer

Why It Actually Cuts Fees in Half:

Traditional credit card processing: 2.5%-3.5% Larecoin ecosystem: Under 1.25%

That's not marketing fluff. That's architecture.

The receivables token model means transactions settle peer-to-peer. No intermediary banks. No card networks taking their cut. The Larecoin Smart Wallet handles everything directly.

Self-Custody: Your Keys, Your Money

NOWPayments and CoinPayments both operate custodially. They hold your crypto until you withdraw.

Problems with this:

• Counterparty risk

• Withdrawal delays

• Not your keys, not your crypto

The Larecoin Smart Wallet flips this script entirely.

Self-custody from transaction one.

Customer pays. Funds hit your wallet. Immediately. You control the private keys. No middleman sitting on your revenue.

For small businesses, this matters more than most realize. Cash flow is everything. Waiting days for settlements? That's a legacy system problem Larecoin eliminates.

NFT Receipts: Tax Season Just Got Easier

Here's an innovation neither NOWPayments nor CoinPayments offer.

NFT receipts.

Every Larecoin transaction generates an immutable, blockchain-verified receipt as an NFT. Stored permanently. Accessible anytime.

Why this matters for small business:

• Tax compliance - Every transaction documented on-chain

• Audit-proof records - Can't be altered or lost

• Accounting integration - Pull transaction history directly

• Dispute resolution - Verifiable proof of payment

Traditional crypto POS systems give you CSV exports. Maybe a dashboard. Larecoin gives you permanent, tamper-proof documentation.

Your accountant will actually thank you.

QR-Generated POS: No Hardware Needed

NOWPayments requires API integration. CoinPayments needs shopping cart plugins.

Larecoin? Generate a QR code. Done.

The QR POS system works like this:

1. Set your payment amount

2. Generate unique QR code

3. Customer scans with any wallet

4. Payment settles instantly

5. NFT receipt generated automatically

No expensive terminals. No complex integrations. No developer hours.

A coffee shop owner can accept crypto payments in under five minutes. A food truck operator can process transactions from a smartphone. Pop-up shops, farmers markets, street vendors, everyone gets access to Web3 payments.

This is crypto adoption made practical.

The Real Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5%	0.5%	Under 1.25% vs legacy
Custody	Custodial	Custodial	Self-Custody
Stablecoin	No native	No native	LUSD integrated
NFT Receipts	No	No	Yes
QR POS	Limited	No	Full support
Fee vs Traditional	~80% savings	~80% savings	50%+ savings

Who Should Use What?

Choose NOWPayments if:

• You need 300+ altcoin support

• API integration is your thing

• Custodial doesn't bother you

Choose CoinPayments if:

• You want battle-tested reliability

• Shopping cart plugins matter most

• Simple flat fee structure

Choose Larecoin if:

• You want actual fee reduction vs legacy systems

• Self-custody is non-negotiable

• NFT receipts for tax/accounting appeal to you

• QR-based simplicity fits your business model

• You want a full ecosystem, not just a payment processor

The Bottom Line

NOWPayments and CoinPayments are essentially the same product with different branding. Both charge 0.5%. Both are custodial. Both have been around.

But neither actually "cuts your fees in half."

That claim? It only works when comparing crypto to traditional payment processors. Crypto vs crypto? They're identical.

Larecoin approaches this differently. The ecosystem isn't competing to be another 0.5% processor. It's built to genuinely slash interchange fees compared to what you're paying Visa, Mastercard, and legacy payment rails.

Add self-custody. Add NFT receipts. Add QR-generated POS.

Small businesses deserve better than choosing between two identical options. They deserve innovation that actually impacts their bottom line.

The question isn't which crypto POS costs 0.5%.

The question is which one actually saves you money compared to what you're paying today.

That answer? Pretty clear.

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Ready to slash your payment processing fees? Explore the Larecoin ecosystem and see the difference yourself.