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

Payment processing fees are eating your profits alive.

Every swipe. Every tap. Every online checkout. That 2.5-3.5% traditional processors charge? It adds up fast. For a business doing $500,000 annually, you're handing over $15,000 or more, just to accept money.

Crypto POS systems promise relief. But which one actually delivers?

Let's break down NOWPayments vs CoinPayments vs Larecoin. No fluff. Just the numbers and features that matter to your bottom line.

The Fee Problem Every Merchant Faces

Traditional payment processors built their business model on taking a cut of every transaction. Credit cards, debit cards, mobile payments, they all extract their pound of flesh.

Here's what that looks like annually:

Annual Revenue	Traditional Fees (3%)	Money Lost
$100,000	$3,000	Gone
$250,000	$7,500	Gone
$500,000	$15,000	Gone
$1,000,000	$30,000	Gone

That's not a processing fee. That's a tax on your success.

Crypto payment solutions emerged to solve this. But not all solutions are created equal.

NOWPayments: The Established Player

NOWPayments has been around the block. It's a solid crypto payment gateway with decent adoption.

What you get:

• 0.5% fee for single-currency transactions

• 1% fee for multi-currency payments

• Customizable network fee options

• Wide cryptocurrency support

The catch:

You're still paying processing fees on top of network gas fees. That 0.5% adds up. On $500,000 in annual crypto payments, you're still looking at $2,500-$5,000 in processing fees alone.

Plus, NOWPayments acts as an intermediary. Your funds don't go directly to your wallet. They route through their system first. Settlement times vary. Control is limited.

For merchants seeking a NOWPayments alternative, the search often leads to examining what else is out there.

CoinPayments: The Veteran Solution

CoinPayments has been processing crypto since the early days. It's established. It's familiar.

What you get:

• Flat 0.5% processing fee

• Massive cryptocurrency support (200+ coins)

• Plugin integrations for major e-commerce platforms

The problems:

No customizable network fee options. You get what you get. Processing speeds are inconsistent, sometimes minutes, sometimes hours. For merchants needing predictable settlement, that's a dealbreaker.

Like NOWPayments, CoinPayments operates as an intermediary. Your funds aren't truly self-custody until they leave their platform.

Annual cost on $500,000? Still around $2,500 in processing fees. Better than traditional processors. But not revolutionary.

Larecoin: The Gas-Only Revolution

Here's where things get interesting.

Larecoin operates on a fundamentally different model. No processing fees. No intermediary cuts. Just gas.

The gas-only transfer model:

When a customer pays you through Larecoin's merchant system, you pay only the network gas fee to move funds. On Solana, that's fractions of a cent per transaction.

The math on $500,000 annual volume:

• Traditional processor: ~$15,000 in fees

• NOWPayments/CoinPayments: ~$5,000 in fees

• Larecoin: Under $2,000 (gas only)

That's a 50%+ reduction compared to other crypto POS systems. And 85%+ savings versus traditional processors.

Self-Custody: Why It Matters

Here's something most merchants overlook.

With NOWPayments and CoinPayments, your funds sit in their custody until withdrawal. They control the keys. They set the terms. They determine when you access your money.

Larecoin flips this model.

Self-custody merchant accounts mean funds go directly to your wallet. Immediately. No intermediary holding your revenue hostage. No waiting for batch settlements. No third-party risk.

Your keys. Your funds. Your control.

This isn't just philosophy. It's practical financial sovereignty for your business.

LUSD: Stability Without the Volatility Risk

Crypto volatility scares merchants. Understandably.

Accept Bitcoin today. It drops 10% tomorrow. Your margin just evaporated.

Larecoin's LUSD stablecoin solves this. Pegged 1:1 to USD. No volatility risk. Predictable revenue.

LUSD stablecoin benefits for merchants:

• Price stability (pegged to USD)

• Instant settlement

• No conversion delays

• Seamless accounting integration

Accept LUSD. Keep LUSD. Convert when you want, on your terms.

Neither NOWPayments nor CoinPayments offer a native stablecoin solution with this level of integration. They support third-party stablecoins, but you're still paying their processing fees on top.

NFT Receipts: The Accounting Game-Changer

Here's a feature that separates Larecoin from every competitor.

NFT receipts for accounting.

Every transaction generates an immutable, blockchain-verified receipt as an NFT. Your accountant will love you. Your auditor will actually understand your crypto revenue. Tax season becomes dramatically simpler.

Why NFT receipts matter:

• Immutable transaction records

• Blockchain-verified authenticity

• Easy export for accounting software

• Audit-ready documentation

• No manual reconciliation required

Traditional crypto payment processors give you transaction logs. Larecoin gives you verifiable, permanent, legally-defensible records.

For businesses serious about clean books and simplified compliance, this feature alone justifies the switch.

Speed Comparison: Settlement Times

Time is money. Literally.

Platform	Typical Settlement
Traditional Processors	2-3 business days
NOWPayments	Minutes to hours
CoinPayments	Minutes to hours
Larecoin (Solana)	Near-instant

Larecoin runs on Solana. Sub-second finality. Near-instant settlement to your self-custody wallet.

No waiting. No batch processing. No "pending" status for days.

Customer pays. You have the funds. Done.

Feature-by-Feature Breakdown

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fee	0.5-1%	0.5%	Gas only
Self-Custody	No	No	Yes
Native Stablecoin	No	No	Yes (LUSD)
NFT Receipts	No	No	Yes
Settlement Speed	Variable	Variable	Near-instant
Network Fee Control	Customizable	Fixed	Gas only
Intermediary Risk	Yes	Yes	No

The differences are stark.

Who Should Use What?

NOWPayments works for:

• Businesses comfortable with intermediary custody

• Those needing multi-currency flexibility

• Merchants okay with 0.5-1% fees

CoinPayments works for:

• E-commerce stores wanting plugin simplicity

• Businesses accepting 200+ cryptocurrencies

• Those prioritizing coin variety over fee savings

Larecoin works for:

• Merchants serious about reducing interchange fees

• Businesses wanting self-custody control

• Those needing near-instant settlement

• Companies requiring clean accounting (NFT receipts)

• Anyone seeking 50%+ fee reduction

The Bottom Line

The crypto POS system you choose directly impacts your profitability.

NOWPayments and CoinPayments both beat traditional processors. That's undeniable. But they still operate on the old model: intermediaries taking percentage cuts.

Larecoin represents the next evolution. Gas-only transfers. Self-custody. Native LUSD stability. NFT receipts for bulletproof accounting. Near-instant Solana settlement.

For merchants processing significant volume, the savings compound quickly. $5,000+ annually isn't rounding error. It's real money back in your pocket.

Ready to see the difference? Explore Larecoin's merchant solutions and calculate your potential savings.

Or dive deeper into how it all works with the Lareblocks whitepaper.

Your fees won't cut themselves in half. But with the right crypto POS system, you can make it happen.