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

The Truth About Crypto Payment Processor Fees

Small businesses get crushed by payment processor fees.

Traditional credit card processors take 2-3%. Most merchants accept this as the cost of doing business.

But crypto processors? They promised to fix this.

Spoiler alert: Most didn't.

NOWPayments and CoinPayments still charge 0.5-1% per transaction. Plus network fees. Plus withdrawal charges. Plus conversion costs.

That's not disruption. That's just slightly better exploitation.

Breaking Down The Real Costs

Let's kill the marketing fluff and look at actual numbers.

NOWPayments Fee Structure:

• 0.5-1% platform fee

• Blockchain network fees (varies)

• Withdrawal fees (every time you move money)

• Currency conversion costs (if you want stablecoins or fiat)

CoinPayments Fee Structure:

• 0.5% base transaction fee

• Network fees for each blockchain

• Withdrawal penalties (yes, they charge you to access YOUR money)

• Conversion charges between cryptocurrencies

Larecoin Fee Structure:

• Zero platform fees

• Only Solana gas costs (typically $0.0001-0.001 per transaction)

• No withdrawal fees

• No conversion penalties for LUSD stablecoin

The difference? Massive.

Real-World Savings: The Numbers Don't Lie

Let's run three scenarios for actual small businesses.

Coffee Shop Processing $500K Annually:

• NOWPayments/CoinPayments: $2,500-$5,000 in fees

• Larecoin: Under $500 in gas costs

• Your Savings: $2,000-$4,500 (50-90%)

E-commerce Store Processing $1M Annually:

• NOWPayments/CoinPayments: $5,000-$10,000 in fees

• Larecoin: Under $1,000 in gas costs

• Your Savings: $4,000-$9,000 (67-90%)

Restaurant Chain Processing $5M Annually:

• NOWPayments/CoinPayments: $25,000+ in fees

• Larecoin: ~$5,000 in gas costs

• Your Savings: $20,000+ (80%+)

That's not a rounding error. That's your profit margin.

The Hidden Costs Nobody Talks About

Transaction fees are just the beginning.

Custodial Risk: NOWPayments and CoinPayments hold your funds. They control your money until you withdraw it. What happens if they get hacked? What happens if they freeze your account?

Not your keys, not your crypto.

Larecoin uses self-custody from day one. You control your funds immediately. Zero counterparty risk.

Settlement Speed:

• CoinPayments: Minutes to hours

• NOWPayments: ~5 minutes

• Larecoin: Sub-second finality on Solana

Faster settlement means better cash flow. Better cash flow means you can operate leaner.

Cryptocurrency Limitations: Sure, CoinPayments supports 2,000+ cryptocurrencies. Sounds impressive.

Until you realize 1,950 of those have zero liquidity and zero customer demand.

Larecoin focuses on what actually matters: Solana ecosystem tokens and LUSD stablecoin. Less complexity. More utility.

LUSD Stablecoin: The Secret Weapon

Most crypto processors force you into USDT or USDC. Both are centralized. Both have counterparty risk.

LUSD is different.

It's decentralized. It's over-collateralized. It's actually stable.

When you accept payments in LUSD through Larecoin, you get:

• Zero volatility risk

• No bank dependencies

• Instant settlement

• Complete price stability

No more converting to fiat and losing 2-3% to banks. No more exposure to crypto price swings.

Just stable, predictable, self-custodied value.

NFT Receipts: More Than Just Cool Technology

Every Larecoin transaction can generate an NFT receipt.

Why does this matter?

Accounting: Immutable proof of every transaction. No disputes. No "lost receipts."

Loyalty Programs: NFT receipts can unlock rewards, discounts, exclusive access.

Tax Reporting: Complete transaction history on-chain. Your accountant will thank you.

Customer Engagement: Collectible receipts create brand affinity. Customers actually want to keep them.

NOWPayments and CoinPayments? Just send you a boring email confirmation.

Self-Custody Isn't Optional Anymore

The FTX collapse proved it. The Celsius bankruptcy proved it. The BlockFi liquidation proved it.

Custodial services are single points of failure.

When you use NOWPayments or CoinPayments, you're trusting a third party with your business revenue. They hold the private keys. They can freeze your funds. They can get hacked. They can go bankrupt.

Larecoin eliminates this risk entirely.

You receive funds directly to your self-custodied wallet. You control the private keys. You own your money from the first transaction.

True Web3 payments require true financial sovereignty.

Settlement Speed Actually Matters

Cash flow kills more businesses than bad products.

Traditional payment processors take 2-3 days to settle. Crypto processors promised instant settlement.

Most lied.

CoinPayments takes minutes to hours depending on blockchain congestion. NOWPayments averages 5 minutes for "instant" settlement.

Larecoin settles in under one second. Every time.

Why? Solana's 400ms block time. No waiting. No uncertainty. No cash flow gaps.

Your money hits your wallet before the customer walks out the door.

The Comparison Table

Feature	NOWPayments	CoinPayments	Larecoin
Platform Fee	0.5-1%	0.5%	0%
Network Fees	Yes	Yes	~$0.0001
Withdrawal Fees	Yes	Yes	No
Settlement Time	~5 minutes	Minutes-Hours	<1 second
Self-Custody	No	No	Yes
NFT Receipts	No	No	Yes
Supported Coins	200-300+	2,000+	Solana Ecosystem + LUSD

Why Most Merchants Choose Wrong

Marketing works.

NOWPayments and CoinPayments spend millions on ads. They sponsor conferences. They buy influencer endorsements.

They look legitimate. They look established.

But legitimacy doesn't mean they're the best solution for your business.

Larecoin might not have the marketing budget. But the technology speaks for itself.

Zero platform fees. Self-custody. Sub-second settlement. NFT receipts. LUSD stability.

That's not marketing. That's infrastructure that actually serves merchants.

The Real Question

Do you want to save 50-80% on payment processing fees?

Do you want actual ownership of your business revenue?

Do you want settlement speeds measured in milliseconds, not minutes?

The choice is obvious.

NOWPayments and CoinPayments are better than traditional processors. Marginally.

Larecoin is different by design.

We built a payment system that actually prioritizes merchant profitability. Not our revenue. Yours.

Check out our merchant solutions and see the difference yourself.

Or keep paying 0.5-1% to processors who hold your money hostage.

Your business. Your choice.