NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Actually Puts More Money in Your Pocket?

Let's cut to the chase.

You're running a business. You want to accept crypto. And you want to keep as much of your revenue as humanly possible.

Three names keep popping up: NOWPayments, CoinPayments, and Larecoin. Each promises seamless crypto payment processing. Each has its own fee structure, custody model, and settlement speed.

But here's the million-dollar question: which one actually maximizes your bottom line?

Spoiler alert. The answer isn't even close.

The Fee Problem Nobody Talks About

Traditional payment processors have trained merchants to accept fees as "just the cost of doing business."

2.9% here. 3.5% there. Add it up over a year. Watch thousands of dollars evaporate.

Crypto payment processors promised a better way. Lower fees. Faster settlements. No chargebacks.

But many crypto POS systems still nibble away at your revenue. Some charge 0.5%. Others push it to 1%. Doesn't sound like much until you do the math.

The Real Numbers: Annual Cost Breakdown

Let's talk specifics.

Processing $500,000 in annual revenue? Here's what each platform actually costs you:

Platform	Fee Structure	Annual Cost
NOWPayments	0.5-1%	~$3,750
CoinPayments	0.5-1%	~$3,750
Larecoin	Gas-only	Under $2,000

That's a $1,750+ difference. Every single year.

Scale it up. At $5 million annual volume? The gap exceeds $50,000 in recovered revenue with Larecoin's gas-only model.

Fifty thousand dollars. That's not a rounding error. That's a salary. That's inventory. That's marketing budget. That's profit you're leaving on the table with percentage-based fee structures.

Understanding the Gas-Only Model

What does "gas-only" actually mean?

Simple. Larecoin doesn't take a cut of your transaction. No percentages. No hidden fees. No revenue sharing.

You pay the blockchain network fee (gas) to process the transaction. That's it.

On Solana: where Larecoin operates: gas fees average fractions of a cent per transaction. Compare that to 0.5-1% of every sale.

Small business processing $10,000 monthly? NOWPayments and CoinPayments charge approximately $75-100 in fees. Larecoin costs significantly less.

The math is brutally straightforward.

Self-Custody: Your Money, Your Wallet, Your Rules

Here's where things get interesting.

Both NOWPayments and CoinPayments operate as intermediaries. They receive your customer's payment. They hold those funds. Then they release them to you.

That holding period? That's risk. Third-party custody means:

• Platform insolvency risk

• Withdrawal delays

• Account freezes

• Compliance holds

We've all seen what happens when centralized platforms control user funds. The crypto space has plenty of cautionary tales.

Larecoin takes a fundamentally different approach.

Full self-custody. Funds go directly to your wallet. Immediately. No intermediary holding period. No third-party controlling your revenue.

Customer pays. Funds hit your wallet. Transaction complete.

That's true decentralization. That's actual merchant freedom. That's what crypto was supposed to be about from day one.

Settlement Speed: Minutes vs. Sub-Seconds

Time is money. Literally.

NOWPayments processes transactions in approximately 5 minutes on average. Acceptable for most use cases.

CoinPayments? Variable. Could be minutes. Could be hours. Depends on network congestion, coin selection, and confirmation requirements.

Larecoin operates on Solana's architecture. Sub-second finality. Near-instant settlement.

For retail POS applications, this matters enormously. Customer standing at your counter? They don't want to wait 5 minutes for confirmation. They want instant.

Solana delivers that. Larecoin leverages it.

LUSD: Native Stablecoin Integration Done Right

Volatility remains crypto's biggest merchant adoption barrier.

Accept $100 in Bitcoin. Price drops 10% before you convert. You've got $90.

Stablecoins solve this. But implementation matters.

NOWPayments relies on third-party stablecoin integrations. Works, but adds complexity and potential failure points.

Larecoin built LUSD integration directly into its ecosystem. Native support. Zero-volatility transactions. Lower gas fees than Ethereum-based alternatives.

Accept payment. Receive LUSD. No price exposure. No conversion stress. No volatility anxiety.

For merchants nervous about crypto price swings, this is a game-changer.

Cryptocurrency Support: Quality Over Quantity?

CoinPayments supports 2,000+ cryptocurrencies. Impressive number.

NOWPayments supports 300+. Still substantial.

Larecoin focuses on a comprehensive selection emphasizing stablecoins and major assets.

But here's the honest question: do you really need 2,000 payment options?

Most crypto payments come from a handful of major assets. Bitcoin. Ethereum. Stablecoins. Solana. Maybe a few others.

Supporting every obscure altcoin sounds nice in marketing materials. In practice? It adds complexity without proportional benefit.

Larecoin's approach prioritizes the coins your customers actually use. Streamlined. Practical. Effective.

NFT Receipts: Web3-Native Record Keeping

Traditional receipts? Paper. PDFs. Emails.

Larecoin offers something different: NFT receipts.

Every transaction can generate an immutable, on-chain receipt. Verifiable. Permanent. Tamper-proof.

For accounting? Game-changer. For proof of purchase? Unassailable. For customer disputes? Definitive resolution.

This isn't gimmick territory. This is Web3-native infrastructure solving real business problems.

Neither NOWPayments nor CoinPayments offers comparable on-chain receipt functionality.

The Independence Factor

Let's zoom out.

Why did crypto exist in the first place? Decentralization. Independence. Freedom from intermediaries controlling your financial life.

Traditional payment processors dictate terms. They freeze accounts. They reverse transactions. They gate-keep who can participate in commerce.

Many crypto payment processors replicate this model. Different technology. Same centralized control.

Larecoin represents something different. True self-custody. Gas-only fees. Direct wallet-to-wallet transactions.

No middle man taking cuts. No platform holding your funds hostage. No centralized entity deciding whether you can access your own revenue.

Making the Switch: What Actually Matters

Choosing a crypto POS system comes down to priorities.

Want maximum cryptocurrency variety? CoinPayments wins on raw numbers.

Want established brand recognition? NOWPayments has solid market presence.

Want to keep the most money in your pocket while maintaining true self-custody and near-instant settlement?

Larecoin. Not even close.

The gas-only model, Solana-based speed, native LUSD integration, and full self-custody create a fundamentally different value proposition.

Bottom Line

This isn't about which platform has the fanciest dashboard or the most marketing buzz.

It's about math.

$3,750 in fees vs. under $2,000. Self-custody vs. intermediary risk. Sub-second settlement vs. variable delays.

The numbers don't lie.

For merchants serious about maximizing crypto payment revenue while maintaining independence and control, the choice is clear.

Ready to stop leaving money on the table?

Explore what Larecoin's gas-only model can do for your business at larecoin.com.

Your revenue. Your wallet. Your rules.