NOWPayments Vs CoinPayments Vs Larecoin: Which Crypto POS Actually Slashes Your Fees by 50%?

Let's talk numbers.

Traditional payment processors are eating 2.5% to 3.5% of every transaction. That's thousands: sometimes millions: gone. Just like that.

Crypto payment gateways promise relief. But which one actually delivers?

NOWPayments. CoinPayments. Larecoin.

Three platforms. Three approaches. Wildly different results for your bottom line.

Here's the breakdown.

The Current Crypto POS Landscape

Most merchants jumping into crypto payments land on NOWPayments or CoinPayments first. Makes sense. They've been around. They're established.

But "established" doesn't mean "optimized."

NOWPayments charges 0.5% per transaction without currency conversion. Add conversion? That jumps to 1%. High-volume merchants (50+ BTC turnover) might negotiate down to 0.4%.

CoinPayments sits at a flat 0.5% commission. They market it as "one of the most affordable options in the industry."

Compared to Visa and Mastercard? Sure. That's a win.

But compared to what's actually possible with modern blockchain architecture?

Not even close.

Enter Larecoin: The Gas-Only Revolution

Here's where things get interesting.

Larecoin doesn't charge percentage-based fees. No 0.5%. No 1%. No hidden conversion charges eating into your margins.

The model is simple: gas-only transfers.

You pay the network fee. That's it.

On Solana: where Larecoin lives: that means fractions of a cent per transaction. Not fractions of a percentage. Fractions of a cent.

Run the math on a $10,000 monthly volume:

• NOWPayments (with conversion): $100/month in fees

• CoinPayments: $50/month in fees

• Larecoin: Under $5/month in network costs

Scale that to $100,000. Or $1 million.

The gap becomes a canyon.

Feature-by-Feature Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5%	0.5%	Gas only
Conversion Fee	+0.5%	Varies	None (LUSD native)
NFT Receipts	❌	❌	✅
Self-Custody	Partial	Partial	✅ Full
Stablecoin	Third-party	Third-party	LUSD (native)
Master/Sub-Wallets	Limited	Limited	✅ Full hierarchy
MTL Compliance	Varies	Varies	✅ Federal MSB + State MTLs
Metaverse Integration	❌	❌	✅ Coming

The table tells one story. The technology tells another.

LUSD: The Stablecoin Advantage

Volatility kills merchant adoption.

Accept Bitcoin today. Worth $50,000. Tomorrow? Who knows.

Other gateways solve this by converting to fiat: and charging you for it.

Larecoin built LUSD directly into the ecosystem. A stablecoin pegged to USD. Native to the platform.

No conversion fees. No third-party stablecoin risks. No waiting for settlements.

Customer pays in crypto. You receive LUSD. Value locked instantly.

Then push to card. Or hold. Your call.

NFT Receipts: Beyond Paper Trails

Here's a feature neither NOWPayments nor CoinPayments offers.

NFT receipts.

Every Larecoin transaction can mint an immutable receipt on-chain. Not a PDF. Not an email confirmation. A permanent, verifiable, blockchain-native record.

Why does this matter?

Chargebacks. The silent killer of e-commerce margins. "Friendly fraud" costs merchants $48 billion annually. That's customers claiming they never received products. Or that transactions were unauthorized.

With NFT receipts, the proof lives on-chain. Timestamped. Immutable. Irrefutable.

Dispute a transaction? The blockchain doesn't lie.

For accounting? Every receipt is automatically cataloged. Auditable. Permanent.

This isn't a gimmick. It's infrastructure for the next decade of commerce.

Self-Custody: Your Keys, Your Crypto

NOWPayments and CoinPayments operate custodially: at least partially.

Your funds flow through their systems. Their wallets. Their control points.

Not ideal.

Larecoin was built for full self-custody. Your keys. Your crypto. No intermediary holding your funds hostage.

The master/sub-wallet architecture makes this scalable:

• Create sub-wallets for each store location

• Separate wallets for different product lines

• Employee-specific wallets with spending limits

• All rolling up to one master wallet you control

Enterprise-grade wallet management. Without enterprise-grade custody risks.

QR-Generated POS: Simplicity Wins

Forget expensive hardware terminals.

Larecoin's QR-generated POS turns any device into a payment terminal. Phone. Tablet. Laptop. Existing POS screen.

Generate a QR code. Customer scans. Transaction completes.

No proprietary hardware. No installation fees. No maintenance contracts.

Pop-up shop? QR code. Food truck? QR code. Enterprise retail chain? QR codes synced to your master wallet hierarchy.

The tech scales up and down without friction.

Compliance: The Trust Layer

Here's where many crypto payment solutions fall apart.

Regulatory gray zones. Unclear licensing. "We're working on it" answers that never resolve.

Larecoin operates with Federal MSB registration and state-level MTL coverage across the U.S.

Money Services Business. Money Transmitter Licenses.

The real deal.

This isn't just paperwork. It's operational freedom. Banks that won't touch unlicensed crypto businesses? They'll work with Larecoin merchants.

Payment partners that require regulatory clarity? Check.

Enterprise clients with compliance departments? Green light.

MTL compliance isn't sexy. But it's the difference between building a real business and playing regulatory roulette.

The Future: Metaverse Shopping

NOWPayments and CoinPayments solve today's problems.

Larecoin is building for tomorrow's commerce.

The B2B2C metaverse isn't science fiction. It's the next retail frontier.

Imagine walking through a virtual store. Picking up products. Examining them in AR. Purchasing with a gesture.

Social shopping. VR showrooms. AR try-ons. All native to the Larecoin ecosystem.

The same merchant portal that handles your physical POS transactions will power your metaverse storefront.

One wallet. One dashboard. Multiple realities.

That's not a roadmap item for 2030. That's active development. Now.

Who Should Use What?

Choose NOWPayments if:

• You need broad cryptocurrency support

• Volume discounts matter more than base efficiency

• You're comfortable with percentage-based fees

Choose CoinPayments if:

• You want a straightforward 0.5% flat rate

• Legacy integration matters

• You're not scaling past current volumes

Choose Larecoin if:

• Fee savings are a priority (50%+ reduction)

• You want true self-custody

• NFT receipts and on-chain verification matter

• MTL compliance is non-negotiable

• You're building for Web3's future, not just today

The Bottom Line

Half a percent sounds small until you're processing serious volume.

Then it's a hiring budget. A marketing campaign. A growth opportunity: lost to transaction fees.

Larecoin's gas-only model isn't incremental improvement. It's architectural rethinking.

Add NFT receipts. LUSD stability. Full self-custody. Federal and state compliance. Metaverse readiness.

The comparison stops being close.

Ready to see the difference in your own numbers?

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

Or join the conversation in the official Larecoin community.

The future of payments isn't coming. It's here.