NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS Actually Saves Small Businesses Money?

Payment processing fees eat into your margins.

Every transaction. Every day. Every month.

For small businesses processing crypto payments, choosing the wrong processor can cost thousands annually. Let's break down exactly how NOWPayments, CoinPayments, and Larecoin stack up when it comes to actual dollars saved.

The Fee Structure Showdown

Here's what you're really paying:

NOWPayments: 0.5-1% per transaction + network costs + withdrawal fees + currency conversion charges.

CoinPayments: 0.5-1% per transaction + blockchain fees + withdrawal penalties + conversion costs.

Larecoin: Zero platform fees. Only Solana gas costs ($0.001-$0.02 per transaction).

Notice the difference? Traditional crypto processors layer fees on top of fees. Larecoin strips it all away.

Real Numbers for Real Businesses

Let's talk actual cost at different volume levels.

Processing $100,000 annually:

• NOWPayments: $750-$1,000 in fees

• CoinPayments: $500-$1,000 in fees

• Larecoin: $300-$400 in fees

Processing $500,000 annually:

• NOWPayments: $2,500-$5,000 in fees

• CoinPayments: $2,500-$5,000 in fees

• Larecoin: Under $2,000 in fees

Processing $1.2 million annually:

• NOWPayments: $6,000-$9,000 in fees

• CoinPayments: $6,000-$12,000 in fees

• Larecoin: Around $2,000 in fees

At higher volumes, Larecoin saves 50-80% compared to traditional crypto processors.

That's real money back in your business.

Settlement Speed Matters More Than You Think

Speed equals cash flow.

Larecoin settles transactions in sub-seconds using Solana's finality. Your money is available immediately.

NOWPayments takes approximately 5 minutes.

CoinPayments requires 10-15 minutes per settlement.

Faster settlements mean better customer experience at checkout. No awkward waiting. No pending status anxiety. Just done.

For high-traffic retail or online stores, those extra minutes compound into hours of delayed funds access.

Self-Custody Changes Everything

Here's the part most merchants miss:

NOWPayments and CoinPayments hold your funds during processing. You're trusting them as custodians.

Larecoin gives you the private keys from day one.

Your funds. Your control. Your keys.

This isn't just philosophical. It's practical risk management. No third-party holding period. No withdrawal approval delays. No custodial risk exposure.

Self-custody means true financial independence for your business.

The LUSD Advantage Nobody Talks About

Stablecoins solve the volatility problem.

Larecoin's integrated LUSD support gives merchants stable value without conversion hassles. Accept crypto. Settle in stablecoin value. Avoid the price swing headaches.

NOWPayments and CoinPayments offer stablecoin support, but with conversion fees attached. Larecoin's native LUSD integration means you're operating within one cohesive ecosystem.

Less friction. Less cost. More predictable accounting.

NFT Receipts for Tax Season

Here's where Larecoin gets innovative.

Every transaction generates an NFT receipt. Immutable. Timestamped. Permanently stored on-chain.

When tax season hits, you have cryptographic proof of every sale. No lost paper receipts. No disputed transactions. Just blockchain-verified records.

This feature alone saves hours of accounting reconciliation. Your bookkeeper will thank you.

Neither NOWPayments nor CoinPayments offer native NFT receipt functionality.

What About Cryptocurrency Selection?

Fair question.

CoinPayments supports 2,000+ cryptocurrencies. Widest selection available.

NOWPayments supports 200+ cryptocurrencies. Solid mainstream coverage.

Larecoin focuses on the Solana ecosystem. Tighter integration. Faster performance.

If you need exotic altcoin support, CoinPayments wins on breadth. If you prioritize speed and cost efficiency, Larecoin's Solana focus delivers better results.

Most small businesses process Bitcoin, Ethereum, USDT, and a handful of majors anyway. Larecoin covers the essentials with superior economics.

Contactless POS Integration

Physical retail needs contactless.

Larecoin offers NFC-integrated POS terminals. Tap-to-pay crypto at the counter. Same user experience as traditional credit cards.

NOWPayments and CoinPayments require QR code scanning or manual wallet connections. More friction. Slower checkout.

The contactless advantage matters for brick-and-mortar businesses competing with traditional payment experiences.

The Hidden Costs

Let's expose what the fee percentages don't tell you.

Withdrawal penalties: CoinPayments charges fees when you move funds off-platform.

Currency conversion spreads: NOWPayments adds margin on crypto-to-crypto conversions.

Settlement delays: Both platforms hold funds during processing periods.

Larecoin eliminates these hidden costs through self-custody and gas-only pricing. What you see is what you pay.

AML Compliance Considerations

NOWPayments emphasizes AML compliance and regulatory monitoring. This matters for compliance-focused businesses navigating regulatory environments.

Larecoin operates as a decentralized protocol, giving merchants full autonomy. This means more responsibility for KYC/AML compliance falls on the merchant.

Choose based on your risk tolerance and regulatory requirements.

For most small businesses, the fee savings outweigh the compliance trade-off. For highly regulated industries, NOWPayments' compliance infrastructure might justify the premium.

Making the Choice

Here's the reality:

If you're processing under $500,000 annually and want maximum cost savings, Larecoin delivers.

If you need the broadest cryptocurrency selection and don't mind paying for it, CoinPayments works.

If regulatory compliance monitoring is your top priority, NOWPayments fits.

For merchant freedom, independence, and decentralized payments, Larecoin stands alone.

Beyond the Fees

Cost matters, but the bigger picture includes:

• Settlement speed (cash flow impact)

• Custody control (risk management)

• NFT receipts (accounting efficiency)

• LUSD integration (volatility protection)

• Contactless POS (customer experience)

Larecoin optimizes all these factors while maintaining the lowest fee structure.

That's the compound advantage of building on Solana's infrastructure from the ground up.

The Bottom Line

Payment processing fees compound over time.

Small percentages become large dollar amounts at scale.

Larecoin's zero platform fee model saves small businesses 50-80% compared to NOWPayments and CoinPayments. Those savings go straight to your bottom line.

Add faster settlements, self-custody control, and NFT receipt functionality, and the value gap widens further.

For small businesses ready to embrace true crypto payments independence, the choice gets clearer every transaction.

Calculate your potential savings. Compare your current processing costs. Run the numbers for your specific volume.

The crypto payment processor you choose today shapes your margins tomorrow.

Choose the one built for merchant freedom and cost efficiency.

Ready to explore Larecoin's ecosystem? Visit Larecoin to learn more about fee-free crypto payments built on Solana.