NOWPayments vs CoinPayments vs Larecoin: The Ultimate 2026 Crypto POS Comparison (Fees, Features & Self-Custody)

Crypto payment processors aren't created equal.

Three names dominate 2026 merchant discussions: NOWPayments, CoinPayments, and Larecoin. Each promises streamlined crypto transactions. Only one delivers zero platform fees and true self-custody.

Here's the breakdown every merchant needs before choosing their POS system.

The Fee Structure That Actually Matters

NOWPayments charges 0.5% per transaction. CoinPayments takes 0.5-1% per transaction. Larecoin charges zero platform fees: just network gas.

Network fees exist everywhere. Platform fees don't have to.

Real Numbers at Scale

Annual Volume	NOWPayments Cost	CoinPayments Cost	Larecoin Cost	Your Savings
$500,000	$2,500-$5,000	$2,500-$5,000	Under $2,000	50-60%
$1,000,000	$5,000-$10,000	$5,000-$10,000	Under $2,000	67-83%
$5,000,000	~$25,000	~$25,000	~$5,000	50-80%

Processing $1 million annually? Traditional processors extract $5,000-$10,000 in fees. Larecoin's gas-only model keeps costs under $2,000. That's $8,000 back in your business.

The gap widens as you scale. At $5 million in volume, competitors charge $25,000. Larecoin stays near $5,000. Pure margin expansion.

Feature-by-Feature Breakdown

Feature	NOWPayments	CoinPayments	Larecoin
Platform Fee	0.5%	0.5-1%	Zero (gas-only)
Settlement Speed	~5 minutes	Minutes to hours	Sub-second finality
Custody Model	Custodial	Custodial	Self-custody
Supported Coins	200-300+	2,000+	Solana + LUSD
E-commerce Integration	Shopify, WooCommerce	Shopify, WooCommerce	Shopify, WooCommerce + contactless POS
Unique Features	Standard receipts	Traditional confirmations	NFT receipts, DAO governance, liquidity pools

The specialization vs. diversification debate.

CoinPayments supports 2,000+ cryptocurrencies. NOWPayments offers 200-300+. Larecoin focuses exclusively on Solana ecosystem tokens and LUSD stablecoin.

More coins don't equal better performance. Larecoin's focused architecture delivers sub-second finality on Solana. No waiting. No uncertainty. Instant settlement confidence.

The Custody Conversation You Can't Ignore

Custodial vs. self-custody changes everything.

NOWPayments and CoinPayments route customer payments through their infrastructure. Your funds sit in their wallets first. Then they send them to you. Intermediary risk. Delayed access. Third-party dependency.

Larecoin's merchant portal connects directly to your self-custody wallet. Customers pay you. Not a middleman. Funds arrive instantly in your wallet, your keys, your control.

Why Self-Custody Matters in 2026

The CLARITY Act (H.R. 3633) classifies digital commodities differently than securities. Larecoin operates as a digital commodity with full regulatory clarity. Self-custody eliminates counterparty risk entirely.

Your business. Your treasury. Your timeline.

Custodial processors can freeze accounts. Delay withdrawals. Impose additional KYC. Self-custody removes those friction points permanently.

Settlement Speed: Minutes vs. Milliseconds

Larecoin settles in 2-3 minutes with sub-second finality on Solana.

NOWPayments averages 5 minutes. CoinPayments ranges from minutes to hours depending on blockchain congestion. Those delays compound across hundreds of transactions.

Faster settlements mean faster cash flow. Reinvest in inventory immediately. Pay suppliers without lag. Scale operations without waiting for payment confirmations.

Larecoin's Unique Merchant Tools

NFT Receipt Generation

Every transaction creates an optional NFT receipt. Customers receive proof-of-purchase as a blockchain-verified collectible. Built-in loyalty program infrastructure.

No third-party reward systems. No points management software. The blockchain handles verification automatically.

LUSD Stablecoin Integration

Merchants can accept Larecoin (LARE) or LUSD: Larecoin's stablecoin. Zero volatility exposure for conservative merchants. All the blockchain benefits without price fluctuation concerns.

LUSD maintains dollar parity. Accept crypto payments with fiat stability. Convert to LARE for liquidity pool participation or hold LUSD for predictable accounting.

DAO Governance Participation

Merchants holding LARE tokens vote on protocol upgrades. Actual stakeholder influence over platform development. Your transaction volume gives you governance weight.

Traditional processors make unilateral changes. Larecoin merchants co-create the roadmap.

AI-Powered Metaverse Shopping

Larecoin integrates AI/ML search capabilities and social commerce spaces. Merchants list physical and digital products across Web2 and Web3 environments. Unified checkout for in-store, online, and metaverse transactions.

One POS system. Three revenue channels.

LareBlocks Layer 1 Infrastructure

Larecoin operates on LareBlocks: a custom Layer 1 blockchain optimized for merchant transactions. Parallel transaction processing. Smart contract automation. Cross-chain bridge compatibility.

Merchants access LareScan explorer for real-time transaction visibility. Every payment tracked on-chain with complete transparency.

Security inherits from both Solana's speed and LareBlocks' merchant-specific architecture. No single point of failure. No centralized server vulnerabilities.

The Real Cost of "Free" Processing

NOWPayments and CoinPayments advertise low fees. Then add withdrawal charges. Conversion costs. Network markups. The final bill exceeds headline rates by 40-60%.

Larecoin's gas-only model eliminates hidden fees.

What you see is what you pay. Network fees on Solana average $0.00025 per transaction. That's it. No percentage cuts. No withdrawal minimums. No surprise charges at month-end.

Integration: Getting Started in Under 10 Minutes

All three platforms offer Shopify and WooCommerce plugins. Larecoin adds contactless POS terminals for brick-and-mortar operations.

Setup comparison:

• NOWPayments: API integration, custodial wallet creation, payment routing configuration

• CoinPayments: Account verification, wallet setup, plugin installation

• Larecoin: Smart wallet connection, self-custody address, instant activation

Larecoin merchants skip custodial onboarding entirely. Connect your wallet. Start accepting payments. Done.

Making the Choice: Volume, Control, and Innovation

Choose NOWPayments if: You need 200+ coin support and don't mind custodial processing.

Choose CoinPayments if: Maximum cryptocurrency variety matters more than fees or settlement speed.

Choose Larecoin if: You want zero platform fees, self-custody, NFT receipts, LUSD stability, and participation in protocol governance.

2026 merchant expectations evolved beyond basic payment processing. Self-sovereignty matters. Fee structures matter. Settlement speed matters.

Larecoin delivers all three without compromise.

Start Saving Today

The Larecoin merchant portal accepts new registrations now. Connect your self-custody wallet in under five minutes. Process your first zero-fee transaction before competitors finish their monthly reconciliation.

50% fee savings. Sub-second finality. True self-custody.

Join the Larecoin community discussion and see how merchants are restructuring their payment operations for 2026.

The comparison ends here. Your decision starts now.