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

Merchant fees are killing your margins.

Traditional crypto payment processors charge 0.5-1% per transaction. Add network fees, withdrawal penalties, and conversion costs. You're bleeding thousands monthly.

There's a better way.

The Real Cost of "Low-Fee" Crypto Processors

NOWPayments and CoinPayments market themselves as affordable alternatives. Let's check the math.

NOWPayments Structure:

• 0.5-1% platform fee

• Network fees on every transaction

• Withdrawal fees when you move funds

• Currency conversion charges

CoinPayments Model:

• 0.5-1% transaction fee

• Blockchain gas costs

• Withdrawal penalties

• Conversion fees between cryptocurrencies

Looks reasonable at first glance. Until you process $500K annually.

Then you're paying $2,500-$5,000 in platform fees alone. Before network costs. Before withdrawals. Before conversions.

The Gas-Only Revolution

Larecoin flips the script entirely.

Zero platform fees. Zero transaction percentages. Zero withdrawal costs.

You pay only Solana network gas. That's approximately $0.00025 per transaction.

Not 0.25%. Not 0.25 cents.

A quarter of one-thousandth of a dollar.

Real Numbers, Real Savings

Here's what merchants actually pay:

Annual Volume	NOWPayments	CoinPayments	Larecoin	You Save
$100K	$750+	$500-$1,000	~$400	$300-$600
$500K	$2,500-$5,000	$2,500-$5,000	Under $2,000	$3,000+
$1.2M	$9,000+	$6,000-$12,000	~$2,000	$7,000+
$5M	$25,000-$37,500	$25,000+	~$5,000	$20,000-$32,500

That's 50-80% savings at scale.

Process $5M? Keep an extra $30K.

No hidden fees. No surprise charges. No monthly minimums.

Just pure gas-only economics.

Why Self-Custody Actually Matters

NOWPayments and CoinPayments use custodial models. Your payments route through their wallets first.

They hold your funds. They control settlement timing. They add intermediary risk.

Larecoin operates differently.

Direct wallet-to-wallet settlement. Sub-second finality on Solana. No intermediaries holding your money.

You control your funds from transaction one.

This isn't philosophical. It's practical financial sovereignty.

When a processor goes down, custodial merchants wait. Self-custody merchants keep operating.

When a processor freezes accounts, custodial merchants panic. Self-custody merchants remain unaffected.

When regulations change, custodial models adapt slowly. Self-custody models continue unchanged.

The NFT Receipt Advantage Nobody Talks About

Traditional receipts are dead data. Paper copies. PDF files. Email attachments.

Lost. Deleted. Unfindable.

Larecoin generates NFT receipts for every transaction.

Permanent. Immutable. On-chain forever.

But it's not just about record-keeping.

NFT receipts enable:

• Automated warranty tracking

• Loyalty program integration

• Secondary market resale verification

• Tax documentation that can't be "lost"

• Proof of authenticity for high-value goods

• Instant dispute resolution with blockchain evidence

Customers can verify purchases without contacting support. Merchants reduce refund fraud. Accountants access complete transaction histories instantly.

The receipt becomes a utility token, not just proof of purchase.

LUSD Stablecoin: Real Stability Without Centralization

Most stablecoins are centralized. USDT and USDC can freeze your funds. Regulatory pressure affects availability.

LUSD operates differently.

Fully decentralized. Over-collateralized. Immutable smart contracts.

Why merchants care:

Price stability without counterparty risk. No freeze functions. No central authority deciding who can use it.

NOWPayments and CoinPayments support stablecoins: but charge the same percentage fees. You're paying 0.5-1% to process algorithmically stable currency.

Larecoin processes LUSD at gas-only costs. Same $0.00025 per transaction.

Stability without centralization. Efficiency without percentage cuts.

Settlement Speed Comparison

Speed matters when cash flow matters.

NOWPayments: ~5 minutes average settlement CoinPayments: 10-15 minutes typical Larecoin: Sub-second finality

Solana's architecture enables instant confirmation. Your wallet updates before the customer leaves your store.

No waiting for block confirmations. No wondering if payment cleared. No delayed inventory updates.

Instant settlement means instant liquidity.

The Platform Fee Trap

Here's what competitors don't advertise:

Platform fees compound with every transaction. Process 10,000 transactions annually? You're paying percentage fees 10,000 times.

Gas-only models scale linearly with transaction count, not transaction value.

A $100 sale costs the same as a $10,000 sale on Larecoin. Both pay network gas.

On percentage-based models? That $10,000 sale costs 100x more to process.

The math changes everything at scale.

Small merchants save hundreds monthly. Medium businesses save thousands. Enterprises save tens of thousands.

All by eliminating the middleman percentage.

What About Supported Cryptocurrencies?

NOWPayments: 300+ cryptocurrencies CoinPayments: 200+ digital currencies Larecoin: LARE, LUSD, SOL, and Solana SPL tokens

Fewer options? Strategically.

Solana's ecosystem includes thousands of SPL tokens. Lightning-fast settlement. Minimal gas costs.

Wide cryptocurrency support sounds impressive. Until you realize 90% of transactions use the same 5-10 coins.

Larecoin focuses on Solana's high-performance ecosystem. Better user experience. Faster transactions. Lower costs.

Quality over quantity.

Integration Simplicity

Complex setup kills adoption.

All three platforms offer:

• API integration

• E-commerce plugins

• POS compatibility

• Developer documentation

The difference? Wallet setup.

Custodial platforms require account creation, KYC verification, fund transfers between systems.

Larecoin connects directly to self-custody wallets. Phantom, Solflare, or any Solana wallet works immediately.

No account setup. No KYC delays. No waiting for approval.

Install wallet. Connect to Larecoin POS. Start accepting payments.

Five minutes from decision to first transaction.

The True Cost of Convenience

Custodial processors promise simplicity. They handle blockchain complexity for you.

But convenience has hidden costs:

• Counterparty risk when they hold funds

• Platform dependency that limits flexibility

• Settlement delays that reduce liquidity

• Privacy concerns from centralized data storage

• Regulatory exposure from their compliance requirements

Self-custody requires learning wallet management. Understanding gas fees. Taking responsibility for security.

That learning curve pays exponential dividends.

You're not paying someone 1% forever to avoid one week of education.

Who Should Choose Which Platform?

Choose NOWPayments if: You need maximum cryptocurrency variety and don't mind percentage fees.

Choose CoinPayments if: You want established infrastructure and accept traditional fee structures.

Choose Larecoin if: You prioritize fee reduction, financial sovereignty, instant settlement, and Web3-native infrastructure.

Most merchants choosing crypto payment processors care about costs. That's why they're exploring crypto alternatives.

Gas-only models deliver what percentage-based models promise but can't achieve: truly minimal transaction costs.

Making the Switch

Migration isn't complicated.

1. Set up Solana wallet

2. Connect to Larecoin merchant portal

3. Configure POS integration

4. Start processing transactions

Your existing customers don't need new accounts. Your checkout flow stays familiar. Your accounting systems import transaction data seamlessly.

The backend changes. The customer experience improves.

Faster settlements. Lower fees. Better record-keeping through NFT receipts.

The 10-Year Question

Where will crypto payments be in 2036?

Centralized processors will still charge percentages. They'll adapt to regulations, update compliance requirements, maybe reduce fees slightly.

The fundamental model won't change. They make money from transaction percentages.

Self-custody, gas-only models represent structural disruption. Not iteration. Revolution.

As blockchain technology matures, gas costs decrease further. Settlement speeds increase. Smart contract capabilities expand.

The percentage-based model becomes increasingly indefensible.

Why pay $250 to process $50K when network costs equal $12?

Calculate Your Savings

Visit larecoin.com to run the numbers on your specific transaction volume.

Input your annual processing. Compare platforms. See real savings.

Most merchants discover they're overpaying by 60-70%.

That's not marketing. That's mathematics.

Gas-only economics scale better. Period.

Final Numbers

If you process $1M annually:

• NOWPayments costs: ~$9,000

• CoinPayments costs: ~$8,000

• Larecoin costs: ~$2,000

You save $6,000-$7,000 yearly. Every year. Forever.

That's a down payment on expansion. New inventory. Marketing budget. Employee bonuses.

Or you can keep sending it to payment processors.

The choice is obvious.

The technology is ready.

The savings are real.

Time to switch.