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

Merchant fees are killing small businesses.

Credit card processors take 2-3% per transaction. PayPal? Another 2.9% plus $0.30. Those percentages compound fast when you're processing thousands monthly.

Crypto POS systems promise a way out. Lower fees. Global reach. No chargebacks.

But which one actually delivers?

Let's break down the real costs of NOWPayments, CoinPayments, and Larecoin: because the marketing claims don't always match reality.

The Fee Structure Breakdown

NOWPayments charges 0.4-0.5% per transaction.

Plus network fees for blockchain transfers. Plus withdrawal fees if you want fiat. The percentages seem small until you do the math.

CoinPayments runs 0.5-1% per transaction.

Tiered based on volume. Also adds blockchain fees. Also charges withdrawal fees. The more you process, the lower your rate: but you're still paying percentage cuts.

Larecoin charges zero platform fees.

You pay only Solana gas costs. Typically pennies per transaction. No percentage cuts. No withdrawal fees. No middleman taking their slice.

Real Numbers: What You'll Actually Pay

Let's run actual calculations.

Monthly volume: $10,000

• NOWPayments: $40-50 in platform fees + ~$30 network fees = $70-80 total

• CoinPayments: $50-100 in platform fees + ~$30 network fees = $80-130 total

• Larecoin: $0 platform fees + ~$3 gas costs = $3 total

Monthly volume: $50,000

• NOWPayments: $200-250 + network fees = ~$240 total

• CoinPayments: $250-500 + network fees = ~$300-550 total

• Larecoin: $0 + ~$15 gas costs = $15 total

Monthly volume: $100,000

• NOWPayments: $400-500 + network fees = ~$450 total

• CoinPayments: $500-1,000 + network fees = ~$600-1,100 total

• Larecoin: $0 + ~$30 gas costs = $30 total

The pattern is clear. The more you process, the more traditional crypto payment processors cost you.

At $1 million annually, you're paying $5,000-$10,000 to NOWPayments or CoinPayments. Larecoin? Under $400.

That's 95%+ savings at scale.

Feature Comparison: Beyond Just Fees

Cost matters. But features determine if a system actually works for your business.

Cryptocurrencies Supported

NOWPayments supports 200+ cryptocurrencies. Good variety. Covers most customer preferences.

CoinPayments leads with 2,000+ supported coins. Maximum flexibility. Legacy integrations with older blockchain infrastructure.

Larecoin focuses on the Solana ecosystem. Fewer total options: but Solana's speed and cost structure make it practical for daily transactions. Bridge support extends reach.

Settlement Speed

NOWPayments averages ~5 minutes for settlement. Reasonable but not instant.

CoinPayments varies widely. Bitcoin transactions can take an hour. Ethereum depends on network congestion.

Larecoin delivers sub-second finality. Solana's architecture means your money hits your wallet immediately. No waiting. No uncertainty.

Custody Model

Here's where it gets interesting.

NOWPayments and CoinPayments both use custodial models. They hold your funds. You wait for withdrawals. They control your money until you specifically request it.

Larecoin operates on self-custody principles. Funds go directly to your wallet. You control private keys. No intermediary holds your assets.

This isn't just philosophical: it's practical. When you control your funds, you eliminate counterparty risk. No waiting periods. No withdrawal limits. No platform going down and locking your revenue.

The Self-Custody Advantage for Merchants

Traditional crypto processors mirror traditional banking. They become the middleman. They custody your funds. They set withdrawal rules.

Larecoin eliminates that layer entirely.

Payments flow directly to your self-custody merchant account. You maintain control. You decide when to convert to stablecoin. You choose when to cash out.

Real-world scenario:

Your coffee shop processes $5,000 daily. NOWPayments or CoinPayments hold that money. You request withdrawal at end of week. They process it in 1-3 business days. You wait.

With Larecoin, that $5,000 sits in your wallet as soon as customers pay. Need to restock inventory today? Transfer immediately. Want to hold crypto for potential appreciation? Your choice.

Bank-free business operations become reality: not marketing speak.

NFT Receipts: Accounting That Doesn't Suck

Here's a problem nobody talks about: crypto transaction records are a nightmare for accounting.

Random wallet addresses. Blockchain explorers showing transaction hashes. Nothing that links to actual products sold or services rendered.

Larecoin solves this with NFT receipts.

Every transaction mints an NFT containing full transaction metadata. Product details. Customer info (if provided). Timestamp. Amount. Tax calculations.

Your accountant can actually read these. Your bookkeeper can import them. Tax season doesn't become blockchain archaeology.

NOWPayments and CoinPayments provide basic transaction logs. Better than nothing. But nowhere near as detailed or useful for actual business operations.

LUSD Stablecoin Integration: Volatility Protection

Crypto volatility terrifies merchants. Accept Bitcoin at $60K, watch it drop to $45K overnight: you just lost 25% of your revenue.

NOWPayments offers fiat conversion. Requires KYC. Adds fees. Still involves trusting a centralized service.

CoinPayments provides similar options. Similar limitations.

Larecoin integrates LUSD stablecoin natively. Decentralized. Over-collateralized. No central authority can freeze it.

Accept crypto payments. Automatically convert to LUSD in-wallet. Lock in dollar value without leaving the blockchain. No KYC. No centralized intermediary.

When you need fiat, convert to cash on your terms. Not when a payment processor decides to process your withdrawal.

Which System Fits Your Business?

Choose NOWPayments if:

• Monthly volume stays under $10,000

• Customer support is non-negotiable

• You need instant fiat conversion regardless of cost

• You're uncomfortable managing your own wallet

Choose CoinPayments if:

• You need maximum cryptocurrency variety (2,000+ options)

• Legacy integrations with older systems matter

• Your customers demand obscure altcoin support

• Volume-based percentage fees seem acceptable

Choose Larecoin if:

• Monthly volume exceeds $10,000 (savings compound rapidly)

• You want custody of your own funds

• Sub-second settlement matters for cash flow

• NFT receipts would simplify accounting

• Operating bank-free appeals to you

• You prioritize reducing merchant interchange fees long-term

The Volume Tipping Point

Under $5,000 monthly, the differences seem minor. All three systems work adequately.

Between $5,000-$25,000 monthly, Larecoin starts showing significant advantages. You're saving hundreds monthly on fees alone.

Above $25,000 monthly, traditional processors become expensive anchors. You're paying thousands annually for the privilege of someone else holding your money.

Get started with Larecoin and see the difference real Web3 infrastructure makes.

The Bigger Picture: Financial Sovereignty

Fees matter. Features matter. But the fundamental question goes deeper.

Do you want to replicate traditional finance with blockchain branding? Or build something genuinely different?

NOWPayments and CoinPayments are crypto payment processors. They custody funds. They set rules. They control access.

Larecoin is Web3 infrastructure. You custody funds. You set rules. You control access.

The cost savings are immediate. The sovereignty benefits compound over time.

For small businesses fighting 2-3% credit card fees, scrambling with thin margins, paying thousands annually to middlemen: this matters.

Crypto POS systems should reduce merchant interchange fees, not just shift who takes the cut.

Only one of these three actually delivers on that promise.

Your move.