NOWPayments Vs CoinPayments Vs Larecoin: Which Crypto POS System Actually Puts Merchants First?

Let's cut to the chase.

You're a merchant. You want to accept crypto. You're tired of getting squeezed by payment processors. But which platform actually has your back?

Today we're putting three major players head-to-head: NOWPayments, CoinPayments, and Larecoin. No fluff. No marketing speak. Just the facts that matter to your bottom line.

Spoiler alert: One of these platforms was built from the ground up with merchant freedom in mind. The other two? They're still playing by the old rules.

The Fee Problem Nobody Talks About

Here's the dirty little secret of crypto payment processing.

Most platforms promise "low fees" compared to credit cards. But they're still skimming off the top. NOWPayments charges 0.5% per transaction. CoinPayments sits at around 0.5-1% depending on your volume.

Sounds small, right?

Run the numbers.

Process $500,000 annually? That's $2,500 to $5,000 walking out the door. Every single year. Just for the privilege of accepting crypto.

Larecoin? Gas-only fees. That's it.

No percentage cuts. No hidden surcharges. You pay the blockchain network fee: typically a fraction of a cent on Solana: and keep the rest.

For that same $500,000 merchant? We're talking under $2,000 annually. That's a 50%+ reduction in processing costs.

Self-Custody: Who Actually Controls Your Money?

This is where things get interesting.

NOWPayments and CoinPayments operate as intermediaries. They receive your customer's payment first. Then they process it. Then they release it to you.

See the problem?

Your funds sit in someone else's wallet. Subject to their withdrawal schedules. Their policies. Their potential technical issues.

Not your keys. Not your crypto.

Larecoin flips the script entirely.

Full self-custody from day one. Payments flow directly to your wallet. No middleman holding your funds hostage. No waiting for batch settlements.

Your customer pays. You receive. Instantly.

This isn't just about convenience. It's about financial sovereignty. The whole point of crypto was eliminating trusted third parties. NOWPayments and CoinPayments still require you to trust them.

Larecoin doesn't ask for that trust. The system is trustless by design.

Transaction Speed Showdown

Time is money. Especially in retail.

Platform	Average Speed
NOWPayments	~5 minutes
CoinPayments	Minutes to hours
Larecoin	Sub-second finality

NOWPayments averages around 5 minutes per transaction. Acceptable for online commerce. Painful for in-store checkout.

CoinPayments? Wildly variable. Depends on network congestion. Could be minutes. Could be hours. Good luck explaining that to the customer waiting at your counter.

Larecoin leverages Solana's infrastructure. Sub-second finality. Near-instant confirmation.

Your customer scans. Payment confirms. Transaction complete. Before they even put their phone back in their pocket.

The LUSD Advantage: Stability Without Compromise

Volatility kills merchant adoption. Period.

Accept $100 in Bitcoin. Watch it become $85 by end of day. Nobody wants that risk.

CoinPayments offers various stablecoins. NOWPayments supports fiat conversion. Both solutions involve extra steps, additional fees, or third-party dependencies.

LUSD: Larecoin's native stablecoin: solves this differently.

Integrated directly into the ecosystem. Pegged to the US dollar. Zero-volatility settlements without leaving the Larecoin network.

Accept payment in LUSD. Know exactly what you're getting. No conversion fees. No slippage. No surprises.

For merchants who need predictability? Game changer.

NFT Receipts: The Feature You Didn't Know You Needed

Here's where Larecoin really separates from the pack.

NFT receipts.

Every transaction generates an immutable, on-chain receipt as an NFT. Not just a PDF in your email. Not a database entry that could disappear.

A permanent, verifiable record on the blockchain.

Why does this matter?

• Tax documentation: Auditors love verifiable records

• Dispute resolution: Proof of payment that can't be faked

• Business analytics: Track patterns across your entire transaction history

• Customer trust: Transparency builds loyalty

NOWPayments? Standard receipts. CoinPayments? Same story.

Neither offers anything close to this level of transaction immutability.

Cryptocurrency Support: Quality vs Quantity

NOWPayments supports 300+ cryptocurrencies. CoinPayments offers 40+ options.

Impressive numbers. But let's be real.

How many of those will your customers actually use?

Bitcoin. Ethereum. Maybe Solana. USDC. USDT. That covers 90%+ of actual transaction volume.

Larecoin focuses on what matters. Solana-based transactions. LARE token. LUSD stablecoin. Optimized for speed and cost efficiency.

If you need to accept obscure altcoins from 2017? NOWPayments has you covered.

If you want the fastest, cheapest transactions on the currencies people actually use? Larecoin wins.

Setup Complexity: Getting Started

NOWPayments requires API integration for most features. Developer resources needed. Technical setup involved.

CoinPayments offers plugins for major e-commerce platforms. Still requires configuration and technical know-how.

Larecoin takes a different approach entirely.

QR-based checkout. No hardware required. No API coding necessary.

Generate your merchant QR code. Customer scans. Payment complete.

A coffee shop owner with zero coding experience can be accepting crypto payments in under 10 minutes. Try that with the competition.

The Compliance Question

Fair point: NOWPayments has established compliance infrastructure. Monitoring capabilities. Regulatory relationships built over years.

For enterprise merchants with strict compliance requirements? That's valuable.

But here's the flip side.

That compliance infrastructure means more oversight of your funds. More reporting. More third-party involvement in your business.

Larecoin's self-custody model means you manage compliance on your terms. Keep your own records. Maintain your own documentation. The blockchain provides the audit trail.

Different approaches for different needs.

Real Talk: Which Platform Should You Choose?

Let's break it down by merchant type.

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• Enterprise compliance is mandatory

• You don't mind custodial processing

Choose CoinPayments if:

• You want plugin-based e-commerce integration

• Cryptocurrency variety matters more than speed

• Traditional payment processor model feels comfortable

Choose Larecoin if:

• Minimizing fees is your top priority

• Self-custody and financial sovereignty matter

• You want instant transaction settlement

• NFT receipts and LUSD stability appeal to you

• You prefer simple QR-based setup over complex integrations

The Bottom Line

NOWPayments and CoinPayments built their platforms on the old model. They're payment processors that happen to use crypto.

Larecoin built something different. A merchant-first ecosystem designed around the principles that made crypto revolutionary in the first place.

True decentralization. Self-custody. Minimal fees. Maximum speed.

The question isn't which platform is "best." It's which philosophy aligns with why you wanted to accept crypto in the first place.

If you wanted another intermediary controlling your funds? Plenty of options exist.

If you wanted real financial independence? The choice is clear.

---

Ready to see the difference for yourself? Check out Larecoin and discover what merchant-first crypto payments actually look like.