NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Actually Saves Small Businesses Money?

Small business owners, let's talk real numbers.

You're hemorrhaging money. Every. Single. Transaction.

Legacy payment processors take 2.5-3.5% off the top. Credit card interchange fees alone cost U.S. merchants over $160 billion annually. That's not pocket change: that's your profit margin walking out the door.

Crypto payment solutions promise relief. But which one actually delivers?

We're breaking down NOWPayments, CoinPayments, and Larecoin. No fluff. Just facts about which crypto POS system keeps more money in your pocket.

The Fee Problem Nobody Talks About

Traditional payment processing is robbery in plain sight.

Swipe a card. Lose 2.9% + $0.30. Repeat thousands of times per year. Watch your margins evaporate.

Crypto payment gateways entered the scene promising lower fees. Most deliver: kind of. But the devil's in the details.

Processing fees are just the beginning. Network fees. Conversion fees. Hidden settlement costs. The true cost of accepting crypto varies wildly between platforms.

NOWPayments: The Multi-Currency Heavyweight

NOWPayments supports 300+ cryptocurrencies. Impressive on paper.

The fee structure:

• 0.5% for single-currency transactions

• 1% for multi-currency or token swaps

• Network fees pushed to customers (mostly)

The platform offers customizable network-fee options for larger merchants. This means you might negotiate who absorbs gas costs: potentially improving checkout conversion rates.

Pros:

• Massive cryptocurrency selection

• Non-custodial settlement options

• API-friendly for developers

Cons:

• Network fee flexibility requires volume leverage

• 1% fees add up fast on altcoin transactions

• No built-in accounting automation

For businesses processing high volumes across multiple tokens, NOWPayments provides decent flexibility. But "decent" isn't "optimal."

CoinPayments: The Simplicity Play

CoinPayments takes the straightforward approach. 40+ supported cryptocurrencies. Clean interface.

The fee structure:

• 0.5% processing on BTC/ETH

• 1% on other tokens

• Customers always cover network fees

What you see is what you get. No negotiation. No frills.

Pros:

• Easy setup for beginners

• Predictable pricing model

• Solid reputation in the space

Cons:

• Limited cryptocurrency options vs competitors

• Zero network fee customization

• Basic reporting features

CoinPayments works for merchants wanting crypto acceptance without complexity. But simplicity comes with limitations.

Larecoin: The 50% Fee Slash You've Been Waiting For

Here's where things get interesting.

Larecoin wasn't built to compete with existing crypto payment processors. It was built to replace the entire interchange fee model.

The ecosystem breakdown:

LARE – The receivables token powering the network LUSD – Stablecoin for predictable settlement LarePAY – Merchant payment processing LareBlocks – Infrastructure layer

The result? Interchange fees slashed by 50% compared to legacy systems.

Not 0.5%. Not 1%. We're talking structural cost reduction that compounds with every transaction.

The Real Comparison: Side-by-Side Fee Analysis

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fee	0.5-1%	0.5-1%	50% below legacy interchange
Cryptocurrencies	300+	40+	Native ecosystem + bridges
Self-Custody	Partial	Partial	Full via Smart Wallet
NFT Receipts	❌	❌	✅
QR POS Generation	Basic	Basic	Built-in
Network Fee Control	Negotiable (large merchants)	Customer-paid	Optimized gas-only transfers

The numbers don't lie. Traditional crypto payment gateways offer marginal improvements over credit cards. Larecoin reimagines the entire fee structure.

Self-Custody: Your Money, Your Control

Most payment processors hold your funds. Even crypto ones.

Settlement delays. Withdrawal limits. Account freezes for "suspicious activity."

The Larecoin Smart Wallet changes the game.

Full self-custody means:

• Instant access to your funds

• No third-party withdrawal approvals

• Complete control over settlement timing

• Protection from platform-level risks

NOWPayments offers non-custodial options. CoinPayments does too: with caveats. But neither provides the integrated self-custody experience baked into Larecoin's architecture.

Your revenue shouldn't sit in someone else's wallet. Period.

NFT Receipts: The Tax Season Game-Changer

Here's an innovation neither NOWPayments nor CoinPayments can match.

Every Larecoin transaction generates an NFT receipt.

Why this matters:

• Immutable proof of transaction

• Automated tax documentation

• Simplified accounting reconciliation

• Audit-ready records on-chain

Tax season for crypto-accepting merchants is notoriously brutal. Manual tracking. Spreadsheet nightmares. Reconciliation headaches.

NFT receipts eliminate the chaos. Every transaction, automatically documented, permanently stored, instantly accessible.

Your accountant will thank you. Your auditors will have nothing to question.

QR-Generated POS: Deploy in Minutes

Physical retail needs physical solutions.

NOWPayments and CoinPayments both offer QR payment options. Standard stuff.

Larecoin's QR-generated POS system takes it further:

• Generate custom QR codes instantly

• No hardware investment required

• Mobile-first checkout experience

• Real-time settlement confirmation

Turn any smartphone into a crypto payment terminal. Deploy to multiple locations without additional infrastructure costs.

The future of point-of-sale isn't hardware. It's software flexibility.

The Hidden Costs Nobody Mentions

Let's talk about what the other platforms don't advertise.

Network fees during high congestion: Ethereum gas spikes make 1% processing fees look like a rounding error. When gas hits $50+ per transaction, that $20 coffee sale becomes unprofitable.

Conversion volatility: Accepting crypto means exposure to price swings. By the time funds settle, that 0.5% fee might be overshadowed by a 5% price drop.

Integration complexity: Developer time isn't free. Complex API integrations eat into the "savings" from lower processing fees.

Larecoin addresses these through gas-only transfers on optimized networks and stablecoin settlement via LUSD. Predictable costs. Predictable settlement.

Who Should Use What?

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• You're processing high enough volume to negotiate network fees

• API flexibility matters more than fee optimization

Choose CoinPayments if:

• Simplicity trumps everything

• You're accepting only major cryptocurrencies

• You want minimal setup friction

Choose Larecoin if:

• Maximizing profit margins is priority one

• Self-custody and fund control matter

• You want automated tax/accounting via NFT receipts

• You need flexible QR POS deployment

The Bottom Line

Small businesses can't afford to ignore payment processing costs.

NOWPayments and CoinPayments both improve on legacy credit card fees. They're legitimate options for merchants entering the crypto payment space.

But "better than credit cards" is a low bar.

Larecoin doesn't just clear that bar: it demolishes it. 50% interchange fee reduction. Full self-custody. NFT receipts for bulletproof accounting. QR POS that deploys anywhere.

The question isn't whether crypto payments make sense for your business.

The question is whether you want marginal improvement or structural transformation.

Ready to stop leaving money on the table?

Explore the Larecoin ecosystem and see what real fee savings look like.