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

Traditional payment processors are eating your margins alive.

2.5% here. 3.5% there. Interchange fees. Gateway fees. Monthly minimums. The list goes on.

Crypto POS systems promise relief. But which one actually delivers? Let's break down three major players: NOWPayments, CoinPayments, and Larecoin.

Spoiler: One of these isn't like the others.

The Current Crypto Payment Landscape

Small businesses lose thousands annually to payment processing fees. We're talking 2-4% on every single transaction. That's money straight out of your pocket.

Crypto payment solutions emerged as a NOWPayments alternative and CoinPayments alternative. The promise? Lower fees. Faster settlements. Global reach.

But not all crypto POS systems are created equal.

NOWPayments: The Basics

Launch Year: 2019 Cryptocurrencies Supported: 300+ Base Fee: 0.5%

NOWPayments operates as a non-custodial gateway. Meaning: they don't hold your funds. Payments go directly to your wallet.

The 0.5% fee sounds great. Until you need currency conversion. Then it jumps to 1%.

Pros:

• Non-custodial approach

• Wide crypto support

• API integrations available

Cons:

• Conversion fees add up

• Network fees on top of base rate

• Limited merchant tools

For basic crypto acceptance, it works. But is "basic" enough for serious merchants?

CoinPayments: The Veteran

Launch Year: 2013 Cryptocurrencies Supported: 2,000+ Base Fee: 0.5%

CoinPayments has been around longer than most competitors. Their massive cryptocurrency support is impressive.

Same 0.5% base fee as NOWPayments. Plus network fees. Always the network fees.

Pros:

• Extensive crypto selection

• Established reputation

• Multi-coin wallet included

Cons:

• Custodial model (they hold your funds)

• Network fees variable

• Complex fee structure for conversions

Two thousand cryptocurrencies sounds cool. But how many does your business actually need?

Larecoin: The Web3 Revolution

Here's where things get interesting.

Larecoin isn't just another payment processor. It's a complete Web3 global payments ecosystem built from the ground up for merchants.

Key Differentiators:

• Self-custody merchant accounts

• LUSD stablecoin benefits

• NFT receipts for accounting

• Receivables token integration

• Zero interchange fees

Let's unpack why these features matter.

Self-Custody: Your Money, Your Rules

Both NOWPayments and CoinPayments handle funds differently. One is non-custodial. The other holds your crypto.

Larecoin takes self-custody merchant accounts to another level.

You maintain complete control. No intermediary sitting between you and your revenue. No withdrawal delays. No frozen accounts.

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

Traditional processors can hold funds for 30-60 days on chargebacks. With self-custody, that problem disappears.

Reduce Merchant Interchange Fees: The Real Numbers

Let's talk actual savings.

Traditional Processing:

• Visa/Mastercard: 1.5-3.5%

• Plus gateway fees: 0.1-0.3%

• Plus monthly minimums: $25-50

NOWPayments/CoinPayments:

• Base: 0.5%

• Conversion: up to 1%

• Network: variable

Larecoin:

• Gas-only transfers

• No interchange

• No percentage-based cuts

When you reduce merchant interchange fees by eliminating them entirely, the math changes dramatically.

A business processing $100,000 monthly at 2.5% pays $2,500 in fees. With Larecoin? A fraction of that in network gas fees alone.

That's not cutting fees in half. That's cutting them by 90%.

NFT Receipts for Accounting: Game-Changer for Compliance

Here's something neither NOWPayments nor CoinPayments offers.

NFT receipts for accounting create immutable, blockchain-verified transaction records. Every sale. Every refund. Every exchange.

Why this matters:

• Permanent audit trail

• Automated reconciliation

• Tax season simplified

• Fraud-proof documentation

Your accountant will thank you. Your auditor will be impressed. Your records become trustworthy by design, not by promise.

Traditional paper receipts? Lost. Deleted. Disputed.

NFT receipts? Permanent. Verifiable. Undeniable.

LUSD Stablecoin Benefits: Volatility Solved

Crypto volatility scares merchants. Understandably.

Accept Bitcoin at $60,000. Watch it drop to $50,000 before you convert. That's real money lost.

LUSD stablecoin benefits eliminate this problem entirely.

Customers pay in any crypto. Merchants receive stable value. No more timing the market. No more watching charts nervously.

The LUSD integration means:

• Instant value lock

• Predictable accounting

• No conversion anxiety

• Clean books

This is how crypto POS systems should work for small business owners who need reliability over speculation.

The Receivables Token Revolution

Traditional invoicing is broken.

Send invoice. Wait 30 days. Chase payment. Wait more. Hope the check clears.

Larecoin's receivables token changes everything.

Outstanding invoices become tradeable assets. Need cash flow now? Tokenize that receivable. Access liquidity immediately.

This isn't available on NOWPayments. Not on CoinPayments. This is unique to the Larecoin ecosystem.

For businesses with cash flow challenges, this feature alone justifies the switch.

Feature-by-Feature Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5%	0.5%	Gas only
Self-Custody	Yes	No	Yes
NFT Receipts	No	No	Yes
Stablecoin	Limited	Limited	LUSD Native
Receivables Token	No	No	Yes
Crypto Support	300+	2,000+	Multi-chain
Bank-Free Ops	Partial	Partial	Complete

The comparison speaks for itself.

Global Reach Without Banks

Running a business across borders traditionally means:

• International wire fees

• Currency conversion costs

• 3-5 day settlement times

• Bank account requirements in each country

Web3 global payments eliminate these barriers.

Accept payments from anywhere. Settle instantly. No correspondent banks taking cuts along the way.

A customer in Tokyo pays. A merchant in Toronto receives. Seconds later. Not days.

For e-commerce, freelancers, and global service providers, this is transformative.

Making the Switch

Already using NOWPayments or CoinPayments? Switching isn't complicated.

The Larecoin merchant portal handles integration smoothly. Contactless POS options available for physical retail. API access for custom implementations.

Steps to transition:

1. Set up self-custody wallet

2. Connect to merchant portal

3. Configure payment preferences

4. Start accepting payments

No lengthy approval processes. No credit checks. No bank partnerships required.

The Bottom Line

NOWPayments and CoinPayments have their place. They've served the market adequately.

But "adequate" isn't innovation.

Larecoin represents what crypto payments should be: truly self-custodial, genuinely low-cost, and packed with merchant-first features like NFT receipts and receivables tokens.

The question isn't whether crypto POS systems can cut your fees in half.

The question is: why settle for half when you can eliminate most of them entirely?

Ready to stop feeding the traditional payment processor machine? Explore Larecoin and see what bank-free business operations actually look like.

Your margins will thank you.