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

Small businesses are bleeding money on payment processing fees.

Traditional credit card interchange fees? 2-3% per transaction. That's thousands of dollars vanishing annually. For a business doing $500K in sales, you're looking at $10,000-$15,000 gone.

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

Let's break down NOWPayments, CoinPayments, and Larecoin. Real numbers. Real savings. No fluff.

The Fee Problem Nobody Talks About

Every swipe costs you money. Every tap drains your margins.

Traditional payment processors have built empires on merchant fees. Small businesses suffer the most. Thin margins get thinner.

Crypto POS systems emerged as the solution. Accept digital payments. Cut the middlemen. Keep more revenue.

But not all crypto payment processors are created equal.

Some just replaced old middlemen with new ones.

NOWPayments: The Basics

NOWPayments charges 0.5% for single-currency transactions. Multi-currency? That jumps to 1%.

Payout fees? Zero percent. Nice.

The standout feature: customizable network fee handling. You can absorb gas fees, blend them, or pass them to customers. Flexibility matters.

Transaction speed clocks in around 5 minutes. TON payments? Under 1 minute.

The Good:

• Flexible gas fee options

• Decent processing speed

• Wide cryptocurrency support

The Not-So-Good:

• No self-custody options

• You're still trusting a third party

• Limited merchant tools beyond basic payments

For basic crypto acceptance? It works. For building a sustainable, sovereignty-focused payment infrastructure? Falls short.

CoinPayments: The Old Guard

CoinPayments mirrors NOWPayments on baseline fees. 0.5% for Bitcoin and Ethereum. 1% for everything else.

Here's where it gets tricky.

Payers cover gas fees. No merchant customization available. Your customers eat the network costs.

Processing time? "A few minutes to several hours."

That's a massive range. Unpredictable settlement creates operational headaches.

The Good:

• Established platform

• Wide crypto support

• Zero payout fees

The Not-So-Good:

• No network fee flexibility

• Inconsistent transaction speeds

• Customers bear gas costs (checkout abandonment risk)

• Custodial model only

When customers see unexpected fees at checkout? They bounce. Cart abandonment kills conversions.

Larecoin: The Self-Custody Revolution

Here's where things get interesting.

Larecoin isn't just another payment processor. It's a complete Web3 payments ecosystem built for merchant sovereignty.

The headline number: 50%+ savings on interchange fees.

That's not marketing speak. That's real money back in your pocket.

Fee Structure That Actually Makes Sense

Traditional processors take 2-3%. Larecoin slashes that dramatically.

The math is simple. Lower fees = higher margins = sustainable growth.

For that $500K business? You're looking at saving $5,000+ annually. Minimum.

Scale that up. A million in sales? $10,000+ saved. Every year.

Self-Custody: Your Money, Your Control

This is the game-changer most merchants miss.

NOWPayments? Custodial. CoinPayments? Custodial.

Your funds sit in their wallets. Their keys. Their control.

Larecoin flips the script.

Self-custody means you hold the keys. Your wallet. Your funds. Immediately accessible.

No withdrawal limits. No waiting periods. No permission needed.

In Web3, self-custody isn't a feature. It's a fundamental right.

LUSD: Stablecoin Stability

Volatility kills crypto payments for merchants. You accept $100 in Bitcoin. Tomorrow it's worth $85.

Enter LUSD, Larecoin's native stablecoin.

Price stability. Dollar-pegged reliability. Instant settlement.

Accept crypto from customers. Receive LUSD. Eliminate volatility risk.

Why LUSD beats generic stablecoins:

• Native to the Larecoin ecosystem

• Optimized for merchant settlements

• Gas-efficient transfers

• Seamless integration with the POS system

No more watching your daily revenue fluctuate with market swings.

NFT Receipts: Beyond Basic Transactions

This is where Larecoin separates from the pack entirely.

Every transaction generates an NFT receipt. Immutable. Verifiable. Permanent.

Practical benefits for small businesses:

• Automated record-keeping

• Tamper-proof transaction history

• Simplified tax documentation

• Customer engagement opportunities

Traditional receipts get lost. Paper fades. Digital files corrupt.

NFT receipts live on-chain forever. Audit-ready at any moment.

Plus? Customers actually value them. Collectible receipts drive loyalty.

Nobody's bragging about their Visa receipt collection.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5-1%	0.5-1%	50%+ lower than traditional
Self-Custody	No	No	Yes
Gas Fee Control	Flexible	Customer pays	Optimized
Transaction Speed	~5 min	Minutes to hours	Fast
Stablecoin	Third-party	Third-party	Native LUSD
NFT Receipts	No	No	Yes
Merchant Portal	Basic	Basic	Full suite

The differences aren't subtle.

Why Self-Custody Matters More Than You Think

Let's get real about custodial risk.

When a payment processor holds your funds:

• They can freeze your account

• They can delay withdrawals

• They can impose new terms

• They can go bankrupt

We've seen it happen. Major platforms. Overnight lockouts. Merchants scrambling.

Self-custody eliminates counterparty risk. Period.

Your business revenue should never depend on someone else's uptime or policy decisions.

Larecoin's architecture ensures you maintain complete control. Accept payment. Receive funds. Done.

The Real Cost of "Free" Payment Processing

Some platforms advertise zero fees. Sounds amazing.

Read the fine print.

Hidden fees lurk everywhere:

• Conversion spreads

• Withdrawal minimums

• Monthly maintenance charges

• Currency exchange markups

"Free" often costs more than transparent pricing.

Larecoin's approach? Straightforward fee structures. No surprises. No hidden costs eating your margins.

Setting Up Your Larecoin POS

Getting started takes minutes. Not days. Not weeks.

1. Create your merchant account

2. Connect your self-custody wallet

3. Configure LUSD settlement preferences

4. Generate your POS integration

5. Start accepting payments

The Larecoin merchant portal handles everything. Intuitive dashboard. Real-time analytics. Complete transaction history.

No coding required. No complex integrations. Just plug and profit.

The Bottom Line

Small businesses need every advantage.

Payment processing shouldn't drain your revenue. It should enable growth.

NOWPayments: Decent option for basic crypto acceptance. Custodial limitations. Adequate but uninspiring.

CoinPayments: Established player with inconsistent speeds. Customers absorb gas fees. Checkout friction.

Larecoin: Self-custody. 50%+ fee savings. LUSD stability. NFT receipts. Complete merchant sovereignty.

The choice seems obvious.

Stop paying unnecessary interchange fees. Stop trusting third parties with your revenue. Stop settling for basic payment processing.

Make the Switch

Ready to slash your payment processing costs?

Larecoin's contactless POS system is built for small businesses that want to keep more of what they earn.

Self-custody. Lower fees. Better tools.

Your customers are ready for crypto payments. Is your business?

Explore the Larecoin ecosystem and see the difference financial sovereignty makes.

The future of merchant payments is here. It's decentralized. It's self-custodied.

It's Larecoin.