NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS Cuts Your Fees by 50%+?

Crypto payment processors are eating your margins alive.

Traditional crypto POS providers charge percentage-based fees that compound with every transaction. The bigger your business grows, the more they take.

Larecoin flips the script entirely.

Zero platform fees. Zero percentage cuts. Just blockchain gas costs that average pennies per transaction.

Let's break down exactly how much money you're leaving on the table with NOWPayments and CoinPayments.

The Fee Structure Nobody Talks About

Here's what most merchants don't realize until they're locked in:

NOWPayments:

• 0.5% to 1% per transaction

• Network withdrawal fees

• Conversion charges on every crypto-to-fiat swap

• Custodial hold on your funds

CoinPayments:

• 0.5% base fee (tiered by volume)

• Blockchain transaction costs

• Withdrawal fees to external wallets

• Conversion spreads that add 1-3%

• Full custodial control of your crypto

Larecoin:

• Zero platform fees

• Solana network costs only (fractions of a cent)

• Complete self-custody from day one

• No conversion charges with LUSD stablecoin

The difference isn't marginal. It's transformational.

Real Numbers: What You Actually Pay

Let's run the math on actual processing volumes.

Processing $500,000 Annually

NOWPayments/CoinPayments: $2,500–$5,000 in fees

Larecoin: Under $2,000 in network costs

Your Savings: 50-60% ($1,000–$3,000 back in your pocket)

Processing $1.2 Million Annually

NOWPayments/CoinPayments: $6,000–$12,000 in fees

Larecoin: Approximately $2,000 in network costs

Your Savings: 67-83% ($4,000–$10,000 retained)

Processing $5 Million Annually

NOWPayments/CoinPayments: $25,000–$50,000 in fees

Larecoin: Approximately $5,000 in network costs

Your Savings: 80%+ ($20,000–$45,000 saved)

Scale matters. The more transactions you process, the more devastating percentage-based fees become.

Larecoin's gas-only model eliminates that scaling penalty completely.

Self-Custody vs Custodial Control: Who Really Owns Your Money?

Here's the dirty secret about traditional crypto payment processors.

They hold your funds. Not you.

NOWPayments and CoinPayments:

• Control your private keys

• Require withdrawal requests

• Can freeze accounts

• Impose withdrawal limits

• Add friction to accessing your own money

Larecoin:

• You control your keys from transaction one

• Instant access to your crypto

• No withdrawal requests or approval delays

• Complete financial sovereignty

• Your wallet, your rules

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

When crypto markets move fast, waiting 24-72 hours for withdrawal approval costs real money. Self-custody means you decide when and how to move funds.

No permission needed. No delays. No middlemen.

NFT Receipts: The Feature Nobody Else Offers

Traditional payment processors give you transaction IDs and database records.

Larecoin gives you NFT receipts.

Every transaction generates a unique, verifiable NFT stored on-chain. This creates:

• Immutable proof of purchase

• Collectible branded receipts

• Customer engagement opportunities

• Loyalty program integration

• Resale value for high-ticket items

Imagine a customer buying a limited-edition product. Their NFT receipt becomes part of the product's provenance. Verifiable. Tradeable. Permanent.

NOWPayments and CoinPayments can't touch this functionality.

They're stuck in Web2 thinking. Database entries. Centralized records. No innovation layer.

Larecoin builds on Web3 primitives that unlock entirely new business models.

LUSD: Stability Without the Volatility Tax

Price volatility kills crypto adoption for everyday merchants.

Both NOWPayments and CoinPayments charge conversion fees when you want stability. They take a cut to swap crypto to stablecoins or fiat.

Larecoin's LUSD stablecoin eliminates this entirely.

Accept payments in LUSD. Hold them in LUSD. No conversion necessary.

Merchants get price stability without paying conversion spreads. Customers pay in crypto without worrying about market swings during checkout.

It's the best of both worlds, and it's native to the Larecoin ecosystem.

Network Speed: Solana's Unfair Advantage

Slow confirmations kill conversions.

When customers wait minutes for payment confirmation, they abandon carts. They get frustrated. They blame crypto.

Bitcoin and Ethereum settlements:

• 10+ minutes for Bitcoin confirmations

• 2-15 minutes for Ethereum finality

• High gas fees during congestion

• Unpredictable transaction costs

Solana-based Larecoin:

• Sub-second transaction finality

• Consistent low costs (pennies)

• 65,000+ transactions per second capacity

• Zero congestion penalties

Speed matters at the point of sale. Customers expect instant payment confirmation.

Only Solana-based solutions deliver consistently.

Merchant Freedom: The Independence Factor

Traditional processors control more than just fees.

They control which countries you can serve. Which currencies you accept. How you structure refunds. When you access your money.

Larecoin removes these restrictions:

• No geographic limitations

• Accept any Solana-based token

• Custom refund policies

• Instant settlement to your wallet

• No account approval process

• No "held" funds for risk mitigation

This is merchant freedom in its truest form.

You're not renting payment infrastructure. You're owning your payment flow.

The Hidden Costs Nobody Mentions

Percentage-based fees are just the visible cost.

Here's what merchants discover after six months with NOWPayments or CoinPayments:

Forced Upgrades:

• Volume-based tier systems that increase costs

• "Enterprise" features locked behind higher plans

• API call limitations

Integration Friction:

• Closed-source systems

• Limited customization

• Proprietary tech stacks

Customer Data Lock-In:

• No export options

• Platform-specific analytics

• Migration difficulties

Larecoin avoids these traps entirely. Open-source infrastructure. Full data portability. Community-driven development.

You're building on a foundation you control, not renting someone else's platform.

The Comparison Matrix

Feature	NOWPayments	CoinPayments	Larecoin
Transaction Fee	0.5-1%	0.5% base	0%
Network Costs	Added on top	Added on top	Only cost
Self-Custody	No	No	Yes
NFT Receipts	No	No	Yes
Stablecoin Native	No	No	Yes (LUSD)
Settlement Speed	24-72 hours	24-48 hours	Instant
Geographic Limits	Yes	Yes	None

The choice becomes obvious when you see it side by side.

Making the Switch: Easier Than You Think

Merchants hesitate to switch because they assume integration complexity.

Wrong assumption.

Larecoin's merchant portal offers plug-and-play solutions for:

• E-commerce platforms

• Physical POS systems

• Mobile payment apps

• Custom integrations via API

Most merchants complete integration in under 24 hours.

No coding required for standard implementations. Full developer support for custom builds.

And unlike NOWPayments or CoinPayments, you're not locked into a multi-year contract with escalating fees.

The Bottom Line: Math Doesn't Lie

Process $1 million annually through NOWPayments or CoinPayments: Pay $5,000–$10,000 in fees

Process $1 million annually through Larecoin: Pay under $2,000 in network costs

That's $3,000–$8,000 back in your business every year. Per million processed.

Scale that to $10 million. $50 million. The savings become business-transforming.

This isn't about choosing the "best" crypto payment processor. It's about choosing between paying rent forever or owning your infrastructure.

Ready to Cut Your Fees in Half?

The crypto payment revolution doesn't need middlemen taking percentage cuts.

It needs infrastructure that works for merchants. Not against them.

Explore the Larecoin payment solutions and see exactly how much you'll save at your processing volume.

Your margins deserve better than the status quo.

Join merchants already processing millions through the only truly decentralized crypto POS.

Zero platform fees. Complete self-custody. NFT receipts. LUSD stability.

That's not innovation. That's inevitability.