NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Actually Cuts Your Fees in Half?

Payment processing fees are eating your margins alive.

Every swipe. Every tap. Every transaction. Traditional processors take 2.5% to 3.5% of your revenue. Sometimes more.

That's thousands of dollars vanishing into thin air. Monthly.

Crypto POS systems promise a way out. But not all solutions deliver equal results.

Let's break down three major players: NOWPayments, CoinPayments, and Larecoin. Real numbers. Real features. Real talk about which one actually slashes your fees in half.

The Traditional Payment Problem

Quick math.

You process $100,000 monthly. Traditional processors charge 3%. That's $3,000 gone. Every month. $36,000 annually.

Crypto payment solutions? Most charge 0.5% to 1%. That's a potential savings of $24,000+ per year.

The question isn't whether to switch. It's which platform delivers the best value.

NOWPayments: The Volume Player

NOWPayments has carved out serious market share. Here's what you're working with:

Fee Structure:

• 0.5% service fee for single-currency payments

• 1% total for multi-currency transactions (0.5% service + 0.5% exchange fee)

• High-volume discount: 0.45% above 50 BTC monthly turnover

• Elite tier: 0.4% above 100 BTC monthly volume

The Good:

• Supports 150+ cryptocurrencies

• Decent API documentation

• Automated conversions available

The Catch:

• Network fees add up fast

• Multi-currency transactions double your costs

• Volume discounts require massive throughput

• No true self-custody solution

NOWPayments works for businesses already processing significant crypto volume. The 0.5% base rate beats traditional processors by a mile.

But that 1% for multi-currency? In a global market where customers pay in different tokens? That adds up.

CoinPayments: The Industry Standard

CoinPayments has been around since 2013. Veteran status in crypto years.

Fee Structure:

• Flat 0.5% commission across all transaction sizes

• Network fees on incoming payments

• No volume-based discounts

The Good:

• Simple, predictable pricing

• Massive cryptocurrency support (2,000+ coins)

• Established track record

• Shopping cart plugins galore

The Catch:

• No volume discounts for growth

• Network fees stack on top

• Traditional custody model

• Limited Web3 integration

CoinPayments delivers consistency. Same rate whether you process $1,000 or $1,000,000 monthly.

For small businesses testing crypto payments? Solid choice.

For growing merchants seeking long-term fee optimization? The flat structure becomes a ceiling.

Larecoin: The Web3 Game Changer

Here's where things get interesting.

Larecoin isn't just another crypto payment processor. It's a complete Web3 payments ecosystem built from the ground up for merchants who want more than marginally lower fees.

What Makes Larecoin Different:

Self-Custody Merchant Accounts

Your crypto. Your keys. Your rules.

NOWPayments and CoinPayments hold your funds until withdrawal. Larecoin flips the script with true self-custody merchant accounts.

No intermediary custody risk. No waiting for withdrawals. No asking permission to access your own money.

Financial sovereignty isn't just a buzzword here. It's the architecture.

LUSD Stablecoin Benefits

Volatility kills merchant adoption. Everyone knows this.

Larecoin's LUSD stablecoin integration means instant settlement in stable value. Accept Bitcoin, Ethereum, Solana, whatever your customer prefers, and receive LUSD.

No more pricing gymnastics. No more watching your daily revenue swing 10% before you can convert.

NFT Receipts for Accounting

This is the sleeper feature nobody's talking about.

Every transaction generates an NFT receipt. Immutable. Timestamped. Permanently verifiable on-chain.

Tax season? Your entire transaction history exists as cryptographically verified records. No disputes. No reconstruction. No headaches.

Your accountant will actually understand Web3 after this.

Receivables Token Innovation

Traditional invoicing is broken. Send an invoice. Wait 30 days. Maybe 60. Hope for payment.

Larecoin's receivables token transforms outstanding invoices into tradeable assets. Need liquidity before your customer pays? Options exist.

Working capital problems meet Web3 solutions.

Side-by-Side Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5%	0.5%	Competitive
Multi-Currency	1%	0.5% + network	Optimized
Self-Custody	No	No	Yes
NFT Receipts	No	No	Yes
Stablecoin Integration	Limited	Limited	Native LUSD
Volume Discounts	Yes (50+ BTC)	No	Available
Receivables Token	No	No	Yes
Web3 Native	Partial	No	Full Stack

The Real Fee Comparison

Let's get specific.

Traditional processors: 2.5% - 3.5%

Crypto processors: 0.5% - 1%

That's where the "cut fees in half" claim originates. And it's accurate: when comparing crypto POS to traditional payment rails.

But Larecoin goes further.

Gas-only transfers. Native stablecoin settlement. Self-custody eliminating withdrawal fees. NFT receipts reducing accounting overhead.

The total cost of payment processing isn't just the transaction fee. It's:

• Processing fees

• Conversion fees

• Withdrawal fees

• Custody risk

• Accounting costs

• Working capital constraints

Larecoin addresses all of them.

Who Should Choose What

Choose NOWPayments if:

• You already process 50+ BTC monthly

• Single-currency acceptance works for your market

• You're comfortable with custodial solutions

Choose CoinPayments if:

• You need maximum cryptocurrency options

• Predictable flat-rate pricing matters most

• You want established shopping cart integrations

Choose Larecoin if:

• Self-custody and financial sovereignty matter

• You want NFT receipts for bulletproof accounting

• Stablecoin settlement prevents volatility headaches

• You're building a bank-free business operation

• Global reach with Web3-native infrastructure appeals

The Bottom Line

NOWPayments and CoinPayments moved the needle. They proved crypto payments work for merchants. Credit where due.

But they're Web2 solutions wearing Web3 clothing.

Larecoin represents the next evolution. True self-custody. Native stablecoin infrastructure. NFT receipts that transform accounting. Receivables tokens that unlock working capital.

The question isn't which processor charges 0.5% vs 0.45%.

The question is which platform positions your business for where payments are heading.

Traditional fees: dying. Custodial crypto solutions: transitional. Self-custody Web3 payments: the destination.

Ready to Slash Your Fees?

Stop bleeding 3% on every transaction.

Stop trusting intermediaries with your revenue.

Stop treating crypto payments like a traditional processor with different tokens.

Explore what's possible with a Web3-native payment ecosystem built for merchants who demand more.

Check out Larecoin and see why self-custody, NFT receipts, and LUSD stablecoin settlement represent the future of merchant payments.

Your margins will thank you.