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

Interchange fees are bleeding your business dry.

Traditional crypto payment processors charge 0.5–1% per transaction. Add network fees. Withdrawal penalties. Currency conversion charges. Before you know it, you're paying thousands monthly just to accept crypto.

There's a better way.

The Real Cost of NOWPayments and CoinPayments

Let's cut through the marketing fluff.

NOWPayments hits you with 0.5–1% platform fees. Then network costs. Withdrawal fees. Conversion charges. Processing $500K annually? You're looking at $2,500–$5,000 in platform fees alone.

CoinPayments runs the same playbook. 0.5–1% transaction fees. Blockchain costs on top. Withdrawal penalties. At $1.2M in annual volume, expect $6,000–$12,000 in fees.

Triple-A follows similar patterns. Custodial model. Multiple fee layers. Your money sits in their wallets while costs stack up.

Here's the breakdown at scale:

• $100K annually: $750–$1,000 in fees (NOWPayments/CoinPayments)

• $500K annually: $2,500–$5,000 in fees

• $1.2M annually: $6,000–$12,000 in fees

• $5M annually: $25,000–$50,000 in fees

That's capital you could reinvest. Marketing budget. Inventory. Growth.

Larecoin's Gas-Only Model Changes Everything

Zero platform fees.

You read that right. 0%.

Larecoin runs on Solana. You only pay gas: roughly $0.001–$0.02 per transaction. Processing $1.2M annually? Your total cost is around $2,000. That's an 80% reduction compared to traditional crypto processors.

Real merchant savings:

• $100K annually: ~$300–$400 in gas fees (vs. $1,000+)

• $500K annually: Under $2,000 (vs. $5,000+)

• $1.2M annually: ~$2,000 (vs. $12,000+)

• $5M annually: ~$5,000 (vs. $50,000+)

The math is simple. More capital stays in your business.

Self-Custody: Your Keys, Your Crypto

NOWPayments and CoinPayments hold your funds. Custodial models mean they control your keys. Your money. Your settlement timing.

Larecoin flips the script.

Self-custody architecture puts you in control. Master/sub-wallet infrastructure lets you manage multiple locations. Different departments. Various revenue streams. All from one dashboard.

No waiting for withdrawals. No custodial risk. No third-party control over your capital.

Your POS generates QR codes instantly. Customers scan. Payments settle. Sub-second finality on Solana means transactions confirm before they put their phone away.

Compare that to 5 minutes (NOWPayments) or 10–15 minutes (CoinPayments) for settlement.

NFT Receipts: Beyond Paper Trails

Every transaction generates an NFT receipt.

Sounds gimmicky? It's not.

These aren't JPEGs. They're immutable proof of purchase. Programmable loyalty rewards. Warranty tracking. Return authentication. Customer engagement tools.

Your customers get verifiable purchase history. You get anti-fraud protection. Win-win.

Traditional processors give you a database entry. Larecoin gives you blockchain-verified receipts that customers can mint, trade, or use for future benefits.

Nobody else offers this. Not NOWPayments. Not CoinPayments. Not Triple-A.

LUSD: The Stablecoin Advantage

Crypto volatility kills merchant adoption.

Accept Bitcoin today. Worth 5% less tomorrow. Stablecoins solve this: but most processors support limited options or charge premium conversion fees.

Larecoin LUSD (Larecoin USD) gives you dollar-pegged stability. Built on Solana. Near-zero gas fees. Instant settlements.

Merchants price in dollars. Accept in LUSD. Sleep well at night.

Customers can pay with LARE token (Larecoin's native crypto) or LUSD. Your choice. Their flexibility. Zero conversion headaches.

QR-Generated POS: No Hardware Required

Traditional POS systems cost thousands. Hardware. Software licenses. Integration fees. Monthly subscriptions.

Larecoin's POS is QR-based.

Generate a code. Display it. Customer scans. Payment confirms. Done.

Works on any device. Tablet. Phone. Computer. No specialized hardware. No expensive terminals. No maintenance contracts.

Perfect for:

• Pop-up shops

• Food trucks

• Farmers markets

• Multi-location businesses

• Remote operations

Setup takes minutes. Not weeks.

Settlement Speed That Actually Matters

Sub-second finality isn't marketing speak. It's Solana's architecture.

NOWPayments: ~5 minutes for transaction confirmation CoinPayments: 10–15 minutes depending on blockchain Larecoin: Under 1 second

Your customer checks out. Payment confirms before they leave. No awkward waiting. No "did it go through?" conversations. No delayed confirmations causing checkout friction.

Speed matters at point-of-sale. Larecoin delivers.

The Metaverse Shopping Revolution

This isn't 2023 hype. It's 2026 reality.

Larecoin's B2B2C metaverse integrates social shopping experiences. VR/AR capabilities let customers browse virtual stores. Try products digitally. Purchase with crypto. Receive in real life.

Your physical inventory becomes discoverable in virtual spaces. Customers worldwide browse your catalog. No geographic limitations. No physical storefront overhead.

Future-ready features:

• Virtual showrooms

• AR product visualization

• Social shopping experiences

• NFT-gated exclusive drops

• Metaverse loyalty programs

Your competitors stick with traditional e-commerce. You're building digital-native experiences.

Check out our metaverse shopping features to see what's possible.

Compliance Without Compromise

Operating a crypto payment system means navigating regulatory complexity.

Larecoin holds federal MSB registration. Money Services Business status with FinCEN. State-level MTL (Money Transmitter License) coverage across the U.S.

Why does this matter?

You're protected. Your customers are protected. Transactions comply with federal and state requirements. No regulatory uncertainty.

NOWPayments and CoinPayments offer AML compliance. So does Larecoin: plus the regulatory infrastructure to operate legally across jurisdictions.

Visit our trust page for full compliance documentation.

Multi-Currency Without the Markup

CoinPayments supports 2,000+ cryptocurrencies. Sounds impressive. Until you see the conversion fees.

NOWPayments offers 200+ options. Still hits you with conversion charges and withdrawal penalties.

Larecoin focuses on the Solana ecosystem: but includes bridge capabilities. Swap between chains. Convert tokens. All at gas-only costs.

Quality over quantity. The currencies merchants actually use. Without the fee bloat.

The Bottom Line

You're choosing between two models:

Traditional processors (NOWPayments, CoinPayments, Triple-A):

• 0.5–1% platform fees

• Custodial control of your funds

• Multiple fee layers

• 5–15 minute settlements

• Standard database receipts

Larecoin:

• 0% platform fees (gas only)

• Self-custody architecture

• NFT receipts

• Sub-second finality

• LUSD stablecoin integration

• Master/sub-wallet infrastructure

• QR-generated POS

• Metaverse-ready

• Federal MSB + state MTL compliance

The choice is obvious.

Ready to Cut Your Fees?

Join the Larecoin ecosystem. Set up your merchant account. Start accepting crypto payments with actual savings.

Visit larecoin.com to get started.

Your interchange fees won't slash themselves.