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

Stop Bleeding Money on Payment Processor Fees

Your crypto POS is probably costing you thousands more than it should.

Most merchants pick NOWPayments or CoinPayments because they're familiar. Easy choice. Wrong choice.

Here's the truth: percentage-based fees destroy your margins at scale. And at $500,000 annual volume, the math gets brutal fast.

Let's break down what you're actually paying.

The Real Cost Breakdown

At $500,000 annual transaction volume:

NOWPayments: $2,500 - $5,000 annually CoinPayments: $2,500 - $5,000 annually Larecoin: Under $2,000 annually

That's 50% savings minimum. On half a million in sales.

Scale to $1M? You're saving $5,000+. Every single year.

Traditional payment processors like Square or Stripe? They'd charge you $12,500 - $17,500 on that same volume. An 85% cost reduction with Larecoin versus legacy rails.

Fee Structure Deep Dive

NOWPayments charges 0.5% for single-currency transactions. Seems reasonable until you realize every $100,000 in monthly volume costs you $500-$1,000 in fees alone. Add network fees on top.

Their multi-currency transactions? 1% flat. Double the cost for flexibility.

CoinPayments runs a similar model. 0.5% on BTC/ETH. 1% on tokens and stablecoins. Plus variable withdrawal fees. Plus conversion spreads you can't track.

Larecoin? Gas-only model. Zero percentage cuts.

You pay blockchain network fees. That's it. No hidden conversion spreads. No withdrawal fees. No custody fees disguised as "security."

At $100,000 monthly volume, Larecoin costs roughly $150-$200 monthly. Total annual: $2,000 maximum.

NOWPayments and CoinPayments at that same volume? $700-$1,000 monthly. $8,400-$12,000 annually.

The Hidden Costs Nobody Talks About

Percentage fees aren't the only expense draining your treasury.

Exchange Rate Spreads NOWPayments charges 0.5% when conversions are needed. CoinPayments buries conversion costs in their variable fee structure. Both add up fast when customers pay in altcoins.

Larecoin eliminates this entirely with LUSD stablecoins and direct wallet transfers. No conversions. No spreads. No surprises.

Withdrawal Delays Custodial platforms hold your crypto. Want your funds? Wait 24-72 hours. Sometimes longer during volatility. Your capital sits locked while they control the timeline.

Larecoin's self-custody model means instant access. Your wallet. Your keys. Your money. Move it whenever you want.

Processing Time Costs NOWPayments averages 5-minute confirmations. CoinPayments can take minutes to hours depending on blockchain congestion. For high-volume merchants, this creates bottlenecks.

Larecoin runs on Solana. Sub-second transaction finality. Customer pays, you're confirmed instantly. Move on to the next transaction.

Speed isn't a luxury. It's money.

Custody Models Matter More Than You Think

NOWPayments and CoinPayments are custodial platforms. They hold your crypto. You trust them with your funds.

What happens if they freeze your account? Get hacked? Face regulatory pressure?

Your money is locked. No recourse. No timeline. No control.

Larecoin uses self-custody architecture. Every payment lands directly in your wallet. No intermediary. No counterparty risk. No trust required.

This isn't just about security. It's about merchant independence.

You built your business. Why hand control to a centralized processor?

When Volume Scales, Percentages Crush You

The percentage fee model looks manageable at low volumes. At scale, it becomes predatory.

$50,000 monthly volume:

• NOWPayments: $250-$500/month

• CoinPayments: $250-$500/month

• Larecoin: ~$80-$100/month

$100,000 monthly volume:

• NOWPayments: $500-$1,000/month

• CoinPayments: $500-$1,000/month

• Larecoin: ~$150-$200/month

$250,000 monthly volume:

• NOWPayments: $1,250-$2,500/month

• CoinPayments: $1,250-$2,500/month

• Larecoin: ~$350-$450/month

Notice the pattern? Competitor costs scale linearly with volume. Larecoin costs stay flat because gas fees don't care about transaction size.

Process $1M in crypto? Your gas fees are basically identical to processing $100K. Just more transactions at the same low cost per transaction.

Cryptocurrency Support Comparison

NOWPayments supports 300+ cryptocurrencies. Strong selection for diverse customer bases.

CoinPayments leads with 2,000+ supported coins. Maximum flexibility if you need obscure altcoins.

Larecoin optimizes around Solana ecosystem assets and LUSD stablecoins. Smaller selection, but strategically chosen for speed and cost efficiency.

More coins sounds better. But it isn't always.

Each additional cryptocurrency adds complexity. More conversions. More spreads. More fees buried in the exchange process.

Larecoin's curated approach means every supported asset is optimized for the lowest possible costs and fastest settlement.

Quality over quantity.

The NFT Receipt Advantage

Most processors issue boring transaction confirmations. Digital paperwork nobody wants.

Larecoin turns every transaction into an NFT receipt. Collectible proof of purchase stored on-chain. Customers get something unique. You get verifiable transaction history without custodial databases.

NFT receipts aren't gimmicks. They're:

• Permanent transaction records

• Customer engagement tools

• Loyalty program foundations

• Resale and secondary market opportunities

Your customers aren't just buying products. They're collecting moments. Owning proof. Building on-chain identity.

Traditional processors can't do this. Larecoin makes it standard.

Quick Decision Framework

Choose NOWPayments if:

• You need 300+ cryptocurrency support

• 5-minute processing meets your needs

• Custodial solutions feel comfortable

• You prefer established, traditional crypto processors

Choose CoinPayments if:

• Maximum coin variety (2,000+) is critical

• You accept obscure altcoins regularly

• Variable processing speed is acceptable

• Custodial model doesn't concern you

Choose Larecoin if:

• Fee minimization is your top priority

• Self-custody aligns with your philosophy

• Sub-second settlement matters for operations

• You want merchant independence and freedom

• NFT receipts and Web3 features add value

• LUSD stablecoin settlements eliminate volatility concerns

The Bottom Line on Savings

Larecoin isn't just cheaper. It's fundamentally different.

No percentage cuts. No custody risk. No processing delays. No hidden spreads.

Just gas fees and direct wallet transfers.

At $500,000 annual volume, you save $3,000-$5,000 minimum versus NOWPayments and CoinPayments. At $1M, you're saving $10,000+.

That's working capital. Marketing budget. Expansion funds. Employee bonuses.

Money staying in your business instead of flowing to payment processors.

Most merchants don't realize how much they're overpaying until they see the comparison. Now you've seen it.

The question isn't whether Larecoin is cheaper. It objectively is.

The question is whether you're ready to take control of your payment infrastructure.

Ready to Cut Your Payment Processing Costs in Half?

Set up your Larecoin merchant account at larecoin.com/pay. Start accepting crypto with gas-only fees. Keep more of what you earn.

Join merchants already saving thousands monthly on payment processing.

Your money. Your wallet. Your independence.

Stop overpaying. Start saving.