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

The Fee Problem Nobody Talks About

Interchange fees kill margins.

You already know this. Every credit card transaction bleeds 2-3% from your revenue. You switched to crypto payments to escape that trap.

Plot twist: Most crypto payment processors are running the same playbook.

NOWPayments? 0.5-1% per transaction.

CoinPayments? Same game. 0.5-1% extracted from every sale.

The percentage model doesn't die. It just changes jackets.

The Head-to-Head Breakdown

Let's cut through the marketing noise.

NOWPayments Fee Structure:

• Base fee: 0.5-1% per transaction

• Network fees on top

• Withdrawal fees when you want YOUR money

• Currency conversion charges

• Fees scale with your success

CoinPayments Fee Structure:

• Transaction fee: 0.5-1%

• Blockchain fees added

• Withdrawal penalties

• Conversion costs between cryptos

• More revenue = more extraction

Larecoin Fee Structure:

• Platform fee: Zero

• Transaction cost: Solana gas only (pennies)

• Withdrawal fee: None (you already have custody)

• Conversion: Optional, not forced

• Fees stay flat regardless of volume

Notice the pattern? Two of these charge you more for succeeding.

The Real Numbers

Numbers don't lie. Marketing does.

At $500K Annual Processing:

NOWPayments/CoinPayments extract: $2,500-$5,000

Larecoin costs: Under $2,000

Savings: 50-60%

At $1M Annual Processing:

NOWPayments/CoinPayments extract: $5,000-$10,000

Larecoin costs: Under $2,000

Savings: 67-83%

At $5M Annual Processing:

NOWPayments/CoinPayments extract: $25,000+

Larecoin costs: Around $5,000

Savings: 50-80%

Scale up. Watch the gap widen.

The bigger you grow, the more traditional processors punish you.

Why Gas-Only Changes Everything

Percentage fees are rent-seeking.

They extract value without adding proportional service. Processing a $10 transaction takes the same computational power as a $10,000 transaction.

So why charge 100x more?

Because they can.

Larecoin flips the script. You pay for what you use: network bandwidth. That's it.

Solana transactions cost fractions of a cent. Not fractions of your revenue.

The Math:

• Solana gas fee: ~$0.00025 per transaction

• Process 1,000 transactions: ~$0.25 in gas

• Process 10,000 transactions: ~$2.50 in gas

• Process 100,000 transactions: ~$25 in gas

Your costs scale with transaction COUNT, not transaction VALUE.

That's the actual innovation.

Self-Custody vs Playing Bank

Here's what NOWPayments and CoinPayments don't advertise: They hold your funds.

Custodial models mean:

• Waiting for withdrawals

• Minimum withdrawal thresholds

• Processing delays

• Someone else controls your money

• Trust a third party won't freeze funds

• Pray they don't have a bad day

Larecoin offers self-custody from transaction one.

Money hits your wallet. You control the keys. No withdrawal requests. No waiting periods. No begging permission to access your revenue.

Bank yourself.

The Hidden Costs Competitors Bury

Fee transparency is rare.

NOWPayments and CoinPayments list base rates. Then the add-ons appear:

Network Fees: "Plus blockchain costs" (vague on purpose)

Withdrawal Fees: Flat fees or percentages to access your funds

Conversion Fees: Want to switch between cryptos? Pay up.

Minimum Thresholds: Can't withdraw small amounts without penalties

Currency Pairs: Limited options force expensive conversion routes

Settlement Delays: Your money sits in their wallet, earning them yield

These compound. That 0.5% advertised rate becomes 1.5%+ real cost.

Larecoin? Solana gas is the only cost. Period.

No hidden line items. No surprise deductions. No creative accounting.

NFT Receipts Actually Matter

Traditional processors give you CSV files.

Larecoin mints NFT receipts.

Why this matters for businesses:

• Immutable transaction records

• Built-in accounting trail

• Verifiable by any auditor

• No centralized database to hack

• Permanent proof of sale

• Instant reconciliation

Try explaining to your accountant why your payment processor's records don't match yours.

Or just show them blockchain timestamps.

Your choice.

LUSD Stability Without Stablecoin Theater

LUSD runs on Larecoin's infrastructure.

Unlike USDC or USDT (centralized stablecoins that can freeze wallets), LUSD operates decentralized.

Benefits:

• No blacklist risk

• No account freezing

• Stable value for invoicing

• Predictable accounting

• Liquid dollar equivalent

• Full self-custody maintained

You get stability without surrendering control.

NOWPayments and CoinPayments? They support various stablecoins. But you're still trusting Circle or Tether not to freeze you.

Decentralization isn't optional. It's the point.

Global Reach Without Global Bureaucracy

Cross-border payments destroy margins.

Traditional processors charge:

• Currency conversion fees

• International transaction fees

• Correspondent banking fees

• Wire transfer costs

• FX markup spreads

Crypto eliminates geography.

But NOWPayments and CoinPayments still layer on conversion fees. Moving between different crypto requires paying their spread.

Larecoin operates on Solana. One network. Global reach. Same microscopic gas fee whether you're paying someone in Tokyo or Toronto.

No artificial borders. No conversion theater.

Who Should Use What?

Use NOWPayments if:

• You process low volume (under $100K annually)

• You don't mind custodial models

• You want support for 200+ cryptocurrencies

• Percentage fees don't bother you

Use CoinPayments if:

• Similar to above

• You want established infrastructure

• You're okay with standard crypto payment processor terms

• You don't care about self-custody

Use Larecoin if:

• You process significant volume

• Self-custody matters to you

• You want actual fee reduction (50-80%)

• NFT receipts interest you

• You value financial sovereignty

• You're building for Web3 future

• You want to stop paying rent to middlemen

The Migration Path

Switching processors sounds painful.

It's not.

Three Steps:

1. Set up Larecoin merchant account (10 minutes)

2. Integrate API or use contactless POS

3. Start processing

Your existing setup stays. Run parallel. Test the waters. Compare real costs.

Most merchants discover their old processor was costing 3-5x more than they realized.

Numbers speak louder than marketing decks.

The Bottom Line

NOWPayments and CoinPayments pioneered crypto payments. Credit where it's due.

But they imported traditional finance fee structures into crypto. That's not innovation. That's rent-seeking with new branding.

Larecoin eliminates percentage extraction entirely.

Gas-only pricing means your costs stay microscopic regardless of revenue. Self-custody means you control your funds from moment one. NFT receipts give you immutable accounting. LUSD provides stability without centralization risk.

The tech exists. The infrastructure works. The savings are measurable.

What you do with that information determines your margin.

Want to keep paying percentage fees forever? Cool. NOWPayments and CoinPayments will happily collect.

Want to slash fees 50-80% and actually own your payment infrastructure?

Check out Larecoin.

The choice scales with your revenue.

Choose accordingly.