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

Merchant fees are killing your profit margins.

Every transaction with NOWPayments or CoinPayments chips away at your bottom line. 0.5% here. 1% there. Network fees. Withdrawal charges. Currency conversion spreads.

It adds up fast.

Most crypto POS systems promise "low fees." But when you run the numbers on $500K or $1.2M in annual processing, you're still hemorrhaging thousands.

Larecoin flips the script. Gas-only pricing. Zero platform fees. Self-custody. LUSD stablecoin integration.

Let's break down who actually cuts your fees in half: and who's just marketing fluff.

The Fee Structure Reality Check

NOWPayments charges:

• 0.5% for single-currency transactions

• 1% for multi-currency conversions

• Blockchain network fees (varies)

• Withdrawal fees

• Currency conversion spreads

CoinPayments charges:

• 0.5-1% per transaction

• Separate blockchain network fees

• Withdrawal costs

• Conversion charges when switching cryptos

Larecoin charges:

• 0% platform fees

• Gas-only model (Solana network costs)

• Typically pennies per transaction

• No hidden withdrawal or conversion fees

The difference? NOWPayments and CoinPayments take a cut of every transaction. Larecoin doesn't.

You're paying for infrastructure you don't need. Custodial arrangements. Third-party processors. Legacy payment rails dressed up as "crypto."

Larecoin operates on pure Web3 architecture. Direct wallet-to-wallet transfers. No middleman siphoning fees.

Real-World Savings by Processing Volume

Numbers don't lie.

At $500,000 annual processing:

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

• Larecoin: Under $2,000 in fees

• Your savings: 50-60%

At $1.2 million annual processing:

• NOWPayments: $9,000 in fees

• CoinPayments: $6,000-$12,000 in fees

• Larecoin: ~$2,000 in fees

• Your savings: 67-83%

At $5 million annual processing:

• NOWPayments/CoinPayments: $25,000+ in fees

• Larecoin: ~$5,000 in fees

• Your savings: 50-80%

Scale matters. The more you process, the more Larecoin saves you.

That's real money back in your business. Inventory. Marketing. Payroll. Growth capital.

Not evaporating into platform fees.

Self-Custody Changes Everything

NOWPayments and CoinPayments control your keys.

You don't actually own your crypto until you withdraw it. And withdrawal comes with fees. Delays. Terms of service. Account reviews.

They're custodial platforms dressed up as payment processors.

Larecoin gives you self-custody from transaction one. Your keys. Your crypto. Your control.

Every payment lands directly in your wallet. No waiting. No approval process. No custodial risk.

Full MSB/MTL compliance without sacrificing sovereignty. That's the difference between a crypto payment processor and a true Web3 global payments solution.

When FTX collapsed, custodial platforms froze merchant funds. Self-custody merchants kept operating.

Financial sovereignty isn't a buzzword. It's operational security.

LUSD Stablecoin: The Secret Weapon

Volatility kills crypto adoption for merchants.

Bitcoin swings 5% while your payment settles. You just lost margin.

NOWPayments and CoinPayments offer limited stablecoin options. Usually USDT or USDC. With conversion fees. And centralized control.

Larecoin integrates LUSD: a decentralized, overcollateralized stablecoin pegged to the dollar.

No conversion fees. No centralized issuer risk. No blacklist mechanisms.

You accept LUSD, you keep LUSD. Price stability without platform fees eating into margins.

Traditional stablecoins come with baggage. USDT has transparency concerns. USDC can freeze accounts. Both charge conversion fees if you need something else.

LUSD is protocol-backed. No single entity controls it. Perfect for merchants who want stability without surveillance.

NFT Receipts and Accounting Automation

Here's where Larecoin pulls ahead on operational efficiency.

Every transaction generates an NFT receipt. Immutable. Verifiable. Timestamped.

Your accounting just got automated. No manual reconciliation. No digging through CSV exports. No "where did this payment come from?" mysteries.

NFT receipts solve the crypto accounting nightmare. Every sale has a permanent on-chain record tied to customer data, inventory SKUs, and transaction metadata.

Tax time? Export NFT receipt data. Done.

Audit? Point to the blockchain. Everything's verifiable.

NOWPayments and CoinPayments give you transaction logs. Larecoin gives you programmable, queryable, transferable proof of payment.

That's not just a payment processor. That's infrastructure for bank-free business operations.

Receivables Token: Liquidity When You Need It

Cash flow gaps kill businesses faster than bad products.

You've got $50K in crypto payments sitting in your wallet. But payroll is due today.

NOWPayments charges withdrawal fees to convert. CoinPayments adds conversion spreads. Both take 2-3 business days.

Larecoin's receivables token lets you tokenize outstanding payments and trade them for immediate liquidity.

Need cash now? Sell your receivables token at a slight discount. Get instant liquidity without platform fees or withdrawal delays.

It's factoring meets DeFi. No bank approval. No credit check. Pure protocol-based liquidity.

Traditional crypto POS systems treat payments as isolated transactions. Larecoin treats them as programmable financial instruments.

The Compliance Question Everyone Asks

"If Larecoin is decentralized, how is it compliant?"

Valid question.

Larecoin maintains full MSB and MTL licensing. KYC/AML procedures for merchant accounts. Transaction monitoring. Regulatory reporting.

The difference? Compliance happens at onboarding, not transaction custody.

You pass verification once. Then you operate with self-custody freedom.

NOWPayments and CoinPayments monitor every transaction because they're custodians. Larecoin monitors merchant accounts, not individual payments.

Regulatory protection without operational control. That's the Web3 compliance model.

Multi-Chain Support Without Multi-Chain Fees

NOWPayments supports 200+ cryptocurrencies. CoinPayments claims even more.

But every currency switch costs you conversion fees.

Larecoin operates on Solana with built-in swap and bridge functionality. Accept any major crypto. It converts automatically to LUSD or your preferred token. Gas-only pricing throughout.

True multi-chain support means accepting variety without bleeding fees.

Customer wants to pay in ETH? No problem. It bridges to Solana and settles in LUSD. Cost? Pennies in gas.

Try that with NOWPayments. You'll pay 1% conversion fees plus network costs plus withdrawal charges.

Multi-chain shouldn't mean multi-fee.

The Integration Reality

"Sounds great, but how hard is integration?"

Fair concern.

NOWPayments and CoinPayments offer plug-and-play solutions for WooCommerce, Shopify, Magento.

Larecoin provides the same integrations. Plus contactless POS hardware. Plus merchant portal. Plus API documentation for custom builds.

Integration complexity is comparable. Fee savings are not.

Most merchants are operational in under 24 hours. Setup is straightforward. Support is responsive.

The barrier isn't technical. It's mental: merchants assume "cheaper means harder." Not true.

You're switching payment rails, not rebuilding your entire stack.

Making the Switch: What Actually Happens

Let's say you're processing $1M annually through CoinPayments.

Current fees: ~$6,000-$10,000 depending on crypto mix and withdrawal frequency.

You switch to Larecoin. Fees drop to ~$2,000 in gas costs.

That's $4,000-$8,000 back in your pocket. Annually. Every year.

Migration process:

1. Sign up for Larecoin merchant account

2. Complete KYC/AML verification

3. Integrate payment gateway or use POS hardware

4. Start accepting payments with self-custody from day one

No minimum processing volume. No long-term contracts. No surprise fees.

You keep 98%+ of every transaction instead of 98.5-99%.

Tiny difference per transaction. Massive difference at scale.

The Real Comparison Nobody Talks About

Fee percentages hide the truth.

NOWPayments: "Only 0.5%!" CoinPayments: "Low 0.5% flat fee!" Larecoin: "Gas-only, effectively 0%"

But percentages don't pay bills. Absolute dollars do.

On a $10,000 transaction:

• NOWPayments: $50 fee

• CoinPayments: $50 fee

• Larecoin: $0.02 gas fee

Which one actually helps your business grow?

Legacy crypto processors copied credit card fee models and slapped "crypto" on top. Larecoin built from blockchain primitives up.

That architectural difference is why fees drop 50-80%.

The Bottom Line

NOWPayments and CoinPayments are fine if you want familiar, custodial, fee-heavy crypto processing.

Larecoin is better if you want self-custody, gas-only pricing, NFT receipts, LUSD integration, and receivables tokenization.

Your choice: keep bleeding 0.5-1% per transaction, or switch to Web3 infrastructure and cut fees in half.

The math is simple. The savings are real. The decision is yours.

Ready to slash merchant fees and take full custody? Start with Larecoin.