NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Actually Helps Small Business Reduce Merchant Interchange Fees?

Traditional payment processors eat 2-3% of every transaction. That's thousands of dollars annually for small businesses.

Crypto payment systems promise lower fees. But do they deliver?

Let's break down three crypto POS systems and see which one actually saves you money.

The Fee Reality: What You're Actually Paying

Here's where most merchants get confused.

NOWPayments: 0.5% for single-currency transactions. 1% when converting between cryptos. Sounds great until you do the math.

CoinPayments: Similar structure. 0.5-1% processing fees across the board.

Larecoin: Gas-only model. You pay network fees. That's it.

Real-world example: Process $500,000 annually.

• NOWPayments/CoinPayments: $3,750 in annual fees (at 0.75% average)

• Larecoin: Network fees only (typically under $500 annually on Solana)

That's $3,250+ in savings. Every year. Automatically.

Custody Model: Who Actually Controls Your Money?

This matters more than you think.

NOWPayments and CoinPayments: Custodial platforms. They hold your funds. You wait for settlement. They control the timing.

Larecoin: Self-custody merchant accounts. Funds hit your wallet directly. No intermediary. No waiting.

Why does this matter?

Traditional processors hold your money for 2-7 days. Crypto custodial platforms? Similar delays. They batch settlements. They control liquidity.

Larecoin's self-custody model means immediate access. Your crypto. Your wallet. Your control.

Financial sovereignty isn't just buzzword nonsense. It's operational freedom.

Transaction Speed: Time Is Money

Let's talk finality.

NOWPayments: Approximately 5 minutes per transaction. Network dependent.

CoinPayments: Minutes to hours. Congestion creates delays. Customer waits. You wait.

Larecoin: Sub-second finality on Solana. Transaction confirmed before the customer leaves your counter.

Speed creates better customer experiences. Faster checkout means more throughput. More throughput means more revenue.

Simple math.

Stablecoin Integration: LUSD Changes Everything

Crypto volatility scares merchants. Rightfully so.

NOWPayments/CoinPayments: Support various cryptos. Stablecoin conversion requires external tools. Additional fees. Extra steps. Complexity.

Larecoin: Native LUSD stablecoin benefits integration. Zero-volatility transactions. No conversion fees. Built into the ecosystem.

LUSD is decentralized. Over-collateralized. Maintains $1 peg through market mechanics. Not corporate promises.

Accept crypto payments without volatility risk. Settle in stable value. Sleep better.

NFT Receipts for Accounting: The Invisible Advantage

Here's something NOWPayments and CoinPayments don't offer.

NFT receipts.

Every Larecoin transaction generates an immutable receipt as an NFT. Permanent. Tamper-proof. Blockchain-verified.

Tax season becomes easier. Audits become simpler. Accounting becomes transparent.

Traditional receipts get lost. Paper fades. Digital files corrupt. NFT receipts exist forever on-chain.

Your accountant will thank you.

Cryptocurrency Support: More Options vs Better Integration

NOWPayments: 300+ cryptocurrencies. Impressive breadth.

CoinPayments: 40+ cryptocurrencies. Solid coverage.

Larecoin: 300+ cryptocurrencies through integrated bridges and swaps. Plus receivables token functionality.

The difference? Integration depth.

Larecoin doesn't just accept multiple cryptos. The ecosystem includes built-in swap capabilities. Bridge protocols. Liquidity pools. DEX integration.

One platform. Complete functionality. No external tools needed.

The Hidden Cost: Operational Complexity

Let's address what fee comparisons miss.

Setup Complexity:

• NOWPayments: API integration. Developer required. Technical knowledge essential.

• CoinPayments: Similar complexity. Multiple configuration steps. Learning curve.

• Larecoin: Merchant portal designed for non-technical users. Web3 wallet integration. Guided setup.

Ongoing Management:

• Traditional crypto processors: Monitor settlements. Manage conversions. Track fees across platforms.

• Larecoin: Self-custody means direct control. Single dashboard. Transparent operations.

Time costs money. Complexity costs efficiency.

Real Savings Breakdown: Monthly Volume Analysis

Let's compare merchant scenarios.

$10,000 Monthly Volume:

• Traditional processors (2.5%): $250/month = $3,000/year

• NOWPayments/CoinPayments (0.75%): $75/month = $900/year

• Larecoin (gas only): ~$5/month = $60/year

$50,000 Monthly Volume:

• Traditional processors: $1,250/month = $15,000/year

• NOWPayments/CoinPayments: $375/month = $4,500/year

• Larecoin (gas only): ~$20/month = $240/year

$100,000 Monthly Volume:

• Traditional processors: $2,500/month = $30,000/year

• NOWPayments/CoinPayments: $750/month = $9,000/year

• Larecoin (gas only): ~$35/month = $420/year

Scale matters. As volume increases, percentage-based fees crush margins. Gas-only models remain consistent.

Global Reach: Bank-Free Business Operations

Geographic limitations plague traditional processors.

NOWPayments and CoinPayments operate globally but still require traditional banking relationships for fiat conversion. Regulatory compliance varies by region. Access isn't universal.

Larecoin enables Web3 global payments without intermediaries. No bank account required. No geographic restrictions. Peer-to-peer infrastructure.

Accept payments from anywhere. Send payments to anyone. Financial borders disappear.

The Receivables Token Advantage

Here's where Larecoin gets interesting.

Traditional accounts receivable creates cash flow problems. You deliver goods. Invoice customers. Wait 30-90 days for payment.

Larecoin's receivables token model tokenizes unpaid invoices. Turn future payments into tradeable assets. Access liquidity immediately. Improve cash flow without debt.

NOWPayments doesn't offer this. CoinPayments doesn't offer this. Traditional processors definitely don't offer this.

Innovation creates opportunity.

Making the Decision: Which Crypto POS System Wins?

Depends on your priorities.

Choose NOWPayments if: You need maximum cryptocurrency variety and don't mind custodial services. You're comfortable with percentage-based fees.

Choose CoinPayments if: Similar priorities to NOWPayments. You prefer their specific integrations or regional support.

Choose Larecoin if: You want maximum fee reduction. You value self-custody. You need NFT receipts for accounting. You want LUSD stablecoin benefits. You're building bank-free business operations.

Most small businesses prioritize reducing merchant interchange fees. The numbers favor gas-only models over percentage-based fees. Dramatically.

Getting Started: Next Steps

Ready to slash fees?

Explore Larecoin and set up your crypto POS system for small business.

The platform includes:

• Self-custody merchant accounts

• Native LUSD integration

• NFT receipt generation

• Receivables token functionality

• Web3 global payments infrastructure

Traditional payment processing drains profits. Crypto offers alternatives. But not all alternatives deliver equal value.

Run the numbers for your specific volume. Compare total costs, not just advertised rates. Factor in custody, speed, and operational complexity.

The right crypto POS system reduces fees, increases control, and positions your business for Web3 global commerce.

Choose wisely.