NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS Actually Cuts Your Fees in Half?

Processing fees are eating your profits alive.

Every transaction takes a chunk. 0.5% here. 1% there. Network fees on top. Withdrawal charges. Currency conversion spreads.

It adds up fast.

Most merchants accept it as the cost of doing crypto business. But what if you could slash those fees by 50%? Or 80%?

Let's break down the real numbers.

The Fee Structure Nobody Talks About

NOWPayments and CoinPayments run on the same old model. Percentage-based fees that scale with your success.

Their standard play:

• 0.5–1% per transaction

• Network fees (variable)

• Withdrawal charges (every time you move funds)

• Currency conversion spreads (hidden costs)

Processing $100,000? You're paying $750–$1,000 in fees alone.

Hit $1 million? That's $6,000–$12,000 annually.

Scale to $5 million? You're looking at $25,000–$50,000 disappearing into fees.

Larecoin operates differently.

Gas-only model. No percentage cuts. No withdrawal fees. No conversion spreads.

You pay the Solana network fee. That's it.

Typically $0.50–$2 per transaction. Flat. Regardless of transaction size.

Processing $100,000 annually? Around $300–$400 in total fees.

$1 million? Still under $2,000.

$5 million? Maybe $5,000.

Real-World Savings That Actually Matter

Let's run the numbers on a growing merchant.

Scenario: Monthly processing of $100,000 ($1.2M annually)

With NOWPayments or CoinPayments:

• Transaction fees: $6,000–$12,000

• Network fees: Variable

• Withdrawal charges: Quarterly or monthly

• Total annual cost: $7,000–$15,000

With Larecoin:

• Gas fees only: ~$2,000

• Network fees: Included

• Withdrawal charges: Zero (self-custody)

• Total annual cost: ~$2,000

Savings: $5,000–$13,000 annually (67–83% reduction)

The math gets better at higher volumes.

At $5 million processing, traditional platforms charge $25,000–$50,000. Larecoin? Still around $5,000.

That's 80%+ savings.

The percentage model punishes growth. Larecoin's gas-only model doesn't scale with your success.

Beyond Fees: NFT Receipts Change Everything

Fee savings are just the start.

Larecoin generates NFT receipts for every transaction.

Not gimmicks. Actual utility.

Here's what that means:

• Permanent proof of purchase on-chain

• Instant verification without intermediaries

• Loyalty programs embedded in receipts

• Resale value for limited edition purchases

• Warranty tracking without paper trails

Customers get verifiable ownership. Merchants get new revenue streams.

Traditional processors offer... a PDF receipt.

NFT receipts create ecosystems. Link purchases to rewards programs. Gate exclusive content. Enable secondary markets.

The receipt becomes an asset.

LUSD: Stability Without Volatility Tax

Crypto volatility scares merchants.

Accept Bitcoin at $45,000. Customer pays. Price drops to $43,000 before you convert. You just lost 4.5%.

Stablecoins solve this. But most platforms charge conversion fees between crypto and stablecoins.

Larecoin's LUSD (Larecoin USD) eliminates the problem.

Pegged 1:1 to USD. No conversion fees within the ecosystem. Accept payment in LARE. Auto-convert to LUSD at the moment of sale. Zero slippage. Zero conversion spreads.

Customers pay with volatile crypto. You receive stable value.

Instant settlement. No waiting for conversions. No price exposure.

NOWPayments and CoinPayments offer stablecoin support. But they charge for every conversion. And they custody your funds while converting.

LUSD lives in your self-custody wallet. You control the timing. You control the asset.

Self-Custody: Your Keys, Your Crypto

Traditional crypto payment processors hold your funds.

You accept payment. It goes to their wallet. You request withdrawal. They process it. Eventually.

Larecoin flips the script entirely.

Payments land directly in your wallet. Your keys. Your custody. Instant access.

No intermediary holding your funds. No withdrawal windows. No permission needed to move your money.

This isn't just philosophical. It's practical.

Self-custody means:

• Zero withdrawal fees

• Instant access to funds

• No platform risk (exchange hacks don't affect you)

• Full control over security

• Direct integration with DeFi opportunities

NOWPayments and CoinPayments operate custodial wallets. Your funds sit on their platforms until you withdraw. Each withdrawal triggers fees. Each withdrawal requires trust that they'll actually process it.

With Larecoin, there's no withdrawal. Funds are already yours.

The moment someone pays, it's in your wallet. Ready to deploy, stake, or convert on your terms.

US Compliance: Playing the Long Game Right

Crypto regulation is coming. Hard.

Most payment processors scramble to comply after regulations hit. Larecoin built compliance into the foundation.

Registered as a Money Services Business (MSB). Full federal compliance from day one.

State Money Transmitter Licenses (MTL) strategy. Rolling out state-by-state registration.

Why does this matter for merchants?

Because platforms without proper licensing get shut down. Funds get frozen. Merchants get left holding the bag.

Larecoin's compliance-first approach means stability. No sudden shutdowns. No frozen accounts. No regulatory surprises.

Operating in the US crypto space requires more than tech. It requires legal infrastructure.

NOWPayments and CoinPayments operate internationally. Their US compliance varies by service. Some features unavailable in certain states. Others operate in gray areas.

Larecoin's MSB registration and MTL strategy provide clarity. Legal operation. Protected merchants.

This matters more in 2026 than ever. Regulators are tightening. Platforms without proper licensing are getting removed.

Choose a payment processor with legal foundation. Not one hoping to figure it out later.

The Hidden Costs Nobody Calculates

Fee percentages are obvious. The hidden costs aren't.

Integration complexity. NOWPayments and CoinPayments require ongoing API maintenance. Version updates. Security patches. Technical overhead.

Larecoin integrates once. Web3 native. No constant updates.

Customer support costs. Custodial platforms mean customers contact you about withdrawal delays. About held funds. About processing times.

Self-custody eliminates these tickets. Funds arrive instantly. No waiting. No support burden.

Opportunity cost. Funds locked in custodial wallets can't generate yield. Can't participate in DeFi. Can't be deployed strategically.

Self-custody unlocks opportunities. Stake your LUSD. Provide liquidity. Earn additional yield.

Calculate total cost of ownership. Not just transaction fees.

Making the Switch

Migration anxiety is real.

But switching payment processors isn't complicated.

Larecoin integration takes hours, not weeks:

1. Set up self-custody wallet

2. Install POS integration

3. Configure accepted tokens

4. Start accepting payments

No lengthy onboarding. No complicated KYC beyond legal requirements. No waiting for account approval.

Most merchants run dual systems during transition. Accept payments through old processor while testing Larecoin. Zero risk.

Once comfortable, full migration takes minutes.

The Math Doesn't Lie

Processing $1.2 million annually through NOWPayments or CoinPayments costs $7,000–$15,000.

Same volume through Larecoin costs ~$2,000.

Annual savings: $5,000–$13,000

That's real money. Not marketing fluff. Actual bottom-line impact.

Add NFT receipt utility. Add LUSD stability. Add self-custody benefits. Add compliance security.

The value gap becomes a canyon.

Traditional processors made sense in 2020. The technology limited options.

It's 2026. Web3 native solutions exist. Solutions built for the future, not retrofitted from the past.

Your Move

Fee structures favor the processor. Percentage models scale with your success. They win bigger when you win bigger.

Gas-only models flip that equation. Your growth doesn't increase their take.

That's the fundamental difference.

Choose the model that aligns with your goals. Choose the platform built for Web3. Choose the solution with legal foundation.

The numbers make the decision obvious.

Explore Larecoin's payment solutions and run your own calculations.

The half-price alternative isn't coming. It's here.