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

Small businesses are bleeding money on payment processing fees.

Credit card interchange fees. Network charges. Monthly minimums. Chargeback penalties.

It adds up. Fast.

The average merchant pays 2.5-3.5% per transaction to traditional processors. That's thousands of dollars annually walking out the door.

Crypto payment systems promise a solution. But which one actually delivers?

Let's break down NOWPayments, CoinPayments, and Larecoin. Real numbers. Real features. Real savings.

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The Fee Problem Nobody Talks About

Traditional payment processors have small businesses in a chokehold.

Swipe fees alone cost U.S. merchants over $160 billion annually. Small businesses get hit hardest, paying higher rates than enterprise clients.

Crypto POS systems claim to slash these costs. Some deliver. Others don't.

Here's what matters:

• Processing fees per transaction

• Network/gas fee handling

• Settlement speed

• Currency flexibility

• Custody control

Let's compare.

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NOWPayments: The Multi-Currency Option

NOWPayments has carved out its niche since launching in 2019.

The Numbers:

• 0.5% fee for single-currency transactions

• 1% fee for multi-currency swaps

• 0% service fee on payouts

• 300+ cryptocurrencies supported

• 30+ stablecoins available

Processing Speed: Approximately 5 minutes average. TON blockchain transactions clear in under 60 seconds.

The Good: NOWPayments offers customizable network fee options. Merchants can absorb gas fees, split them with customers, or pass them along entirely. That flexibility matters for checkout conversion.

Non-custodial API integration means you control your keys. That's a win.

The Not-So-Good: Limited POS hardware options. Most implementations require third-party integrations.

No native stablecoin. You're relying on external stable assets with their own risks.

No NFT receipt functionality. You're stuck with traditional transaction records.

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CoinPayments: The Veteran Player

CoinPayments has operated since 2013. Longest-running crypto payment processor in the game.

The Numbers:

• 0.5% fee for single-currency transactions

• 1% fee for multi-currency transactions

• 0% payout fees

• 40+ cryptocurrencies supported

• 21 stablecoins available

Processing Speed: Ranges from minutes to several hours depending on network congestion.

The Good: Established integrations with Shopify, WooCommerce, and major e-commerce platforms. If you're running an online store, the plug-and-play setup is straightforward.

Proven track record. Years of operation without major security incidents.

The Not-So-Good: Payers cover gas fees. No negotiation options. That friction can kill conversions.

Fewer cryptocurrency options than competitors. If your customers hold niche tokens, they're out of luck.

Variable settlement times create cash flow uncertainty. Small businesses need predictability.

No self-custody options through standard integration. Your funds sit in their wallets until payout.

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Larecoin: Built Different

Here's where things get interesting.

Larecoin wasn't built to compete with legacy crypto processors. It was built to replace them.

The Numbers:

• Sub-1% processing fees

• 50%+ savings versus traditional interchange

• Native LUSD stablecoin integration

• NFT receipt generation

• Full self-custody architecture

Processing Speed: Near-instant settlement through optimized blockchain infrastructure.

What Sets Larecoin Apart:

1. Interchange Fee Destruction

Traditional credit card processing eats 2.5-3.5% per transaction.

NOWPayments and CoinPayments charge 0.5-1%. Better, but not revolutionary.

Larecoin's architecture slashes total payment costs by 50%+ compared to traditional systems. For a business processing $500K annually, that's $6,000-$8,000 back in your pocket.

Every. Single. Year.

2. LUSD Stablecoin Advantage

Volatility kills crypto adoption for merchants. Nobody wants to accept Bitcoin at $100K and settle at $95K.

Larecoin's native LUSD stablecoin eliminates this entirely.

• Dollar-pegged stability

• No third-party stablecoin risk

• Instant settlement in stable value

• Gas-optimized transfers

Your revenue stays your revenue. Period.

3. NFT Receipts: Not a Gimmick

NOWPayments and CoinPayments generate standard transaction records. Fine for basic accounting.

Larecoin generates NFT receipts.

Why does this matter?

• Immutable proof of purchase

• Programmable warranty tracking

• Loyalty program integration

• Resale verification for high-value items

• Automatic tax documentation

For small businesses selling physical goods, services, or digital products, NFT receipts transform customer relationships.

That vintage watch you sold? The NFT receipt proves authenticity forever.

That consulting package? The NFT receipt triggers automatic warranty terms.

This isn't blockchain theater. It's functional utility.

4. Self-Custody or Nothing

Here's the uncomfortable truth about most crypto payment processors:

They're custodial.

Your funds sit in their wallets. You trust them to release your money. You're one security breach away from disaster.

Larecoin operates on self-custody principles. Your keys. Your funds. Your control.

Web3 payments without financial sovereignty isn't Web3. It's just traditional finance with extra steps.

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Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5-1%	0.5-1%	Sub-1%
vs Traditional Savings	~70%	~70%	50%+
Cryptocurrencies	300+	40+	Multi-chain
Native Stablecoin	No	No	LUSD
NFT Receipts	No	No	Yes
Self-Custody	API only	No	Full
Settlement Speed	~5 min	Variable	Near-instant
POS Hardware	Limited	Limited	Contactless

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The Real Cost of "Cheap" Processing

NOWPayments and CoinPayments both advertise low fees. And technically, they deliver.

But fees aren't everything.

Hidden Costs of Competitor Systems:

Larecoin addresses all four. That's not marketing spin. That's architecture.

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Who Should Use What?

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• Your customers hold niche tokens

• You're comfortable with API-level integration

• Network fee flexibility matters for your conversion rates

Choose CoinPayments if:

• You run Shopify or WooCommerce

• You want established platform integrations

• You prioritize brand recognition over features

• Custody concerns don't keep you up at night

Choose Larecoin if:

• Maximum fee savings matter to your bottom line

• You want stablecoin settlement without third-party risk

• NFT receipts add value to your customer experience

• Self-custody is non-negotiable

• You're building for the future of commerce

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The Bottom Line

Small business margins are tight. Every percentage point matters.

NOWPayments and CoinPayments offer incremental improvements over traditional payment rails. They're fine. Functional. Adequate.

Larecoin offers transformation.

50%+ interchange savings. Native LUSD stability. NFT receipt utility. True self-custody.

This isn't about which crypto processor is cheapest today. It's about which one positions your business for tomorrow.

The future of commerce is decentralized. Self-sovereign. Programmable.

Larecoin is building that future.

Ready to slash your payment processing costs?

Explore Larecoin's merchant solutions and join the Larecoin Community to connect with other forward-thinking business owners.

Your margins will thank you.