NOWPayments Vs CoinPayments Vs Larecoin: Which Crypto POS System Actually Cuts Your Interchange Fees by 50%?

Let's cut straight to it.

You're bleeding money on interchange fees. Every swipe. Every tap. Every transaction.

Traditional payment processors charge 2.5–3.5% per sale. For a business doing $500K annually? That's $12,500 to $15,000 vanishing into thin air.

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

Today, we're putting three major players head-to-head: NOWPayments, CoinPayments, and Larecoin.

Only one truly slashes your fees by 50%+. Let's find out which.

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The Interchange Fee Problem Nobody Talks About

Here's the dirty secret of payment processing.

Credit card networks and processors have built an empire on skimming your revenue. Small businesses get hit the hardest. Thin margins. High volume. Maximum pain.

Crypto was supposed to fix this. Peer-to-peer. No middlemen. Direct value transfer.

But most crypto payment processors? They just became the new middlemen.

Same game. Different players.

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NOWPayments: The Popular Choice

What they offer:

• 100+ cryptocurrencies supported

• API integrations

• Widget and plugin options

• 0.5% processing fee

The reality:

NOWPayments is solid. Clean interface. Easy setup. Widely adopted.

But here's the catch.

They're still an intermediary. Your customer pays. NOWPayments holds the funds. Then releases them to you.

That 0.5% fee? It adds up. Fast.

On $500,000 annual volume:

• NOWPayments cost: ~$2,500–$5,000

Better than traditional processors? Absolutely.

But you're still trusting a third party with your money. Still waiting for settlement. Still playing by someone else's rules.

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CoinPayments: The Veteran Player

What they offer:

• 2,000+ coins supported

• Multi-coin wallet

• Shopping cart plugins

• 0.5% processing fee

The reality:

CoinPayments has been around since 2013. Battle-tested. Reliable.

Same problem, though.

Custodial model. They hold your funds during processing. You're not in control until they say so.

On $500,000 annual volume:

• CoinPayments cost: ~$2,500–$5,000

Identical to NOWPayments in the fee department. Both represent major savings over Visa and Mastercard.

But neither gives you true financial sovereignty.

Neither eliminates the middleman entirely.

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Larecoin: The Self-Custody Revolution

Here's where things get interesting.

What Larecoin offers:

• Gas-only transfer model

• Direct merchant-to-customer transactions

• LUSD stablecoin integration

• NFT receipt system

• Self-custody by default

• Near-instant settlement on Solana

The game-changer:

Larecoin doesn't process your transactions. It enables them.

No intermediary holding your funds. No waiting for settlement approval. Funds go directly to your wallet the moment payment clears.

You pay network (gas) fees only. That's it.

On $500,000 annual volume:

• Larecoin cost: Under $2,000

That's 50–75% less than traditional processors. And significantly lower than NOWPayments or CoinPayments.

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The Numbers Don't Lie

Let's break this down visually.

Platform	Annual Cost ($500K Volume)	Fee Structure	Custody Model
Traditional Processor	$12,500–$15,000	2.5–3.5%	Third-party
NOWPayments	$2,500–$5,000	0.5–1%	Custodial
CoinPayments	$2,500–$5,000	0.5–1%	Custodial
Larecoin	Under $2,000	Gas only	Self-custody

The math is clear.

Larecoin delivers the 50%+ fee reduction others can't match.

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Why Self-Custody Changes Everything

This isn't just about saving money.

It's about control.

When NOWPayments or CoinPayments holds your funds: even temporarily: you're trusting them not to:

• Freeze your account

• Delay your settlement

• Change their terms

• Get hacked

Web3 was built on a simple principle: Not your keys, not your crypto.

Larecoin respects that principle. Your wallet. Your funds. Your rules.

No permission needed to access your own money.

That's financial sovereignty. That's the point.

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The LUSD Advantage: Zero Volatility

Crypto volatility kills merchant adoption.

Accept Bitcoin today. Worth $60K. Worth $55K tomorrow.

That unpredictability destroys margins.

Enter LUSD.

Larecoin's native stablecoin eliminates this problem entirely. Pegged value. Stable transactions. Zero volatility headaches.

Customers pay in crypto. You receive stable value. Everyone wins.

NOWPayments and CoinPayments offer stablecoin support. But it's bolted on. An afterthought.

LUSD is built into Larecoin's architecture from the ground up. Native. Seamless. Optimized.

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NFT Receipts: More Than a Gimmick

Here's something neither competitor offers.

NFT receipts.

Every Larecoin transaction generates a verifiable, on-chain receipt. Not a PDF. Not an email confirmation. An immutable digital asset.

Why does this matter?

• Tax compliance: Permanent, timestamped proof of every transaction

• Warranty tracking: Customers hold verifiable purchase records

• Loyalty programs: NFT receipts can unlock future benefits

• Dispute resolution: On-chain evidence that can't be falsified

It's not just innovation for innovation's sake. It's practical utility that traditional payment processors can't replicate.

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Speed: Solana Settlement

Waiting days for payment settlement?

That's legacy thinking.

Larecoin runs on Solana. Sub-second finality. Thousands of transactions per second.

Your payment settles before your customer finishes putting their wallet away.

Compare that to:

• NOWPayments: Minutes to hours depending on blockchain

• CoinPayments: Similar delays, plus internal processing time

• Traditional processors: 1–3 business days

Speed isn't just convenience. It's cash flow. It's operational efficiency. It's competitive advantage.

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The Real Cost of "Free" Processors

Some platforms advertise zero fees for merchants.

They make it up elsewhere.

• Higher fees pushed to customers

• Unfavorable exchange rates

• Hidden conversion charges

• Data monetization

Nothing is free. If you're not paying, you're the product.

Larecoin's model is transparent. Gas fees. That's your cost. No hidden layers. No surprise charges.

You know exactly what you're paying. Every time.

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Who Should Use What?

Choose NOWPayments if:

• You need quick setup with minimal technical knowledge

• Multi-currency support is your priority

• You're okay with custodial trade-offs

Choose CoinPayments if:

• You want the widest coin selection possible

• Legacy integrations matter to your stack

• You prefer established, long-running services

Choose Larecoin if:

• Minimizing fees is your top priority

• Self-custody is non-negotiable

• You want stablecoin integration built-in

• NFT receipts add value to your business

• Speed and settlement time affect your operations

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The Bottom Line

All three platforms beat traditional payment processors.

But only one actually delivers on crypto's original promise.

No middlemen. No custody risk. Minimal fees.

Larecoin isn't just another crypto payment processor. It's the evolution.

Gas-only transfers. LUSD stability. NFT receipts. Self-custody by design.

For merchants serious about cutting interchange fees by 50%+ while maintaining complete control of their funds?

There's only one answer.

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Ready to stop losing money to payment processors?

Explore Larecoin and see what true Web3 payments look like.

Your margins will thank you.