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

Let's cut to the chase.

You're here because you're tired of watching payment processors eat into your margins. Credit card interchange fees? A nightmare. Traditional crypto payment gateways? Often just as bad.

The crypto POS space has exploded. Three names keep popping up: NOWPayments, CoinPayments, and Larecoin. But which one actually puts more money back in your pocket?

Time to break it down.

The Hidden Cost Problem Nobody Talks About

Here's the dirty secret of crypto payments.

Most platforms advertise low processing fees. Sounds great, right? But then you discover network fees. Payout fees. Conversion fees. Custody fees. The list goes on.

By the time your transaction settles, that "0.5% fee" has mysteriously ballooned to 3% or more.

Legacy systems charge merchants 2.5-3.5% per transaction. Most crypto gateways promise savings but deliver headaches.

The real question isn't "what's the processing fee?" It's "what's my total cost of acceptance?"

NOWPayments: The Volume Player

NOWPayments has built a solid reputation. They support 300+ cryptocurrencies. Processing fees sit around 0.5-1%.

The Good:

• Massive coin selection (300+ assets)

• 30+ stablecoins supported

• Fast processing (around 5 minutes, sometimes under 1 minute)

• Customizable network fee options

• No payout service fees

The Not-So-Good:

• No self-custody options

• Limited POS innovation

• No on-chain receipt system

• You're still trusting a third party with your funds

For high-volume operations processing diverse crypto payments, NOWPayments works. But the lack of self-custody means your funds sit in someone else's wallet until settlement.

That's a risk. And risk has a cost.

CoinPayments: The Old Guard

CoinPayments has been around since 2013. They've processed billions in transactions. Experience matters.

The Good:

• Established track record

• API payouts and CSV mass payouts

• Crypto-to-fiat settlement options

• 0% payout service fees

The Not-So-Good:

• Only 40+ cryptocurrencies (way fewer than NOWPayments)

• 21 stablecoins supported

• Processing speed varies wildly ("a few minutes to several hours")

• No customizable network fee options

• Outdated POS technology

The processing speed inconsistency is a dealbreaker for many merchants. When a customer is standing at checkout, "several hours" isn't an acceptable answer.

Plus, that limited coin selection? It's 2026. Customers expect options.

Larecoin: The Disruptor

Now let's talk about why we're different.

Larecoin wasn't built to compete with existing crypto payment processors. It was built to replace them entirely.

The Larecoin Ecosystem:

• LARE – The receivables token powering the network

• LUSD – Our stablecoin for instant, stable settlements

• LarePAY – Merchant payment processing

• LareBlocks – The infrastructure layer

Here's the headline: Larecoin slashes interchange fees by 50% compared to legacy payment systems.

That's not a typo. Fifty percent.

How Larecoin Actually Saves You Money

1. Self-Custody Through the Larecoin Smart Wallet

Stop trusting third parties with your revenue.

The Larecoin Smart Wallet gives merchants complete control over their funds. No custodial risk. No waiting for settlement windows. No wondering if your payment processor will freeze your account.

Your money. Your wallet. Your rules.

Self-custody eliminates counterparty risk. That's real savings you won't see on a fee schedule.

2. QR-Generated POS System

Forget expensive hardware. Forget monthly terminal rentals.

Larecoin's QR-generated POS system turns any smartphone or tablet into a complete point-of-sale terminal. Customers scan. Payment confirms. Done.

Cost of traditional POS terminal: $300-$1,000 + monthly fees

Cost of Larecoin QR POS: Your existing phone

The math is simple.

3. NFT Receipts for Tax and Accounting

This is where things get interesting.

Every Larecoin transaction generates an NFT receipt. Not a gimmick. A game-changer.

Why NFT receipts matter:

• Immutable proof of transaction on-chain

• Automatic integration with accounting systems

• Simplified tax reporting

• Eliminates receipt management headaches

• Reduces accounting costs

Your accountant will thank you. Or charge you less. Either way, you win.

Traditional payment processors give you CSV exports and hope for the best. Larecoin gives you cryptographic proof that lives forever on the blockchain.

The Real Fee Comparison

Let's put numbers on paper.

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fee	0.5-1%	0.5-1%	Competitive
Fee vs Legacy Systems	~30% savings	~30% savings	50% savings
Cryptocurrencies	300+	40+	Growing ecosystem
Self-Custody	No	No	Yes
NFT Receipts	No	No	Yes
QR POS System	Limited	Basic	Full-featured
Smart Wallet	No	No	Yes
Processing Speed	~5 min	Minutes to hours	Fast

The processing fee percentage is only part of the story. When you factor in:

• Eliminated hardware costs

• Reduced accounting expenses

• Zero custody risk

• Simplified tax compliance

Larecoin's total cost of acceptance drops significantly below competitors.

The Self-Custody Advantage You're Ignoring

Let's be real about something.

When you use NOWPayments or CoinPayments, your funds flow through their wallets. They control settlement timing. They decide when you get paid.

What happens if they get hacked? What happens if they flag your account? What happens if they decide to "review" a large transaction for weeks?

You wait. And waiting costs money.

With Larecoin's self-custody model through the Smart Wallet, payments hit your wallet directly. No intermediary. No permission needed.

This isn't just about security. It's about cash flow.

Faster access to funds means better inventory management. Better payroll timing. Better everything.

Beyond Payments: The Larecoin Ecosystem

Here's what separates a payment processor from a payment ecosystem.

NOWPayments processes payments. CoinPayments processes payments. That's it. That's the product.

Larecoin builds infrastructure.

LareBlocks handles the heavy lifting on-chain. LUSD provides stablecoin stability for merchants who don't want crypto volatility. LarePAY ties it all together for seamless merchant integration.

You're not just signing up for a payment gateway. You're joining an ecosystem designed from the ground up for Web3 commerce.

Who Should Use What?

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• You're comfortable with custodial solutions

• Volume is your primary concern

Choose CoinPayments if:

• You want an established provider

• You don't mind variable processing speeds

• Limited coin selection works for your customers

Choose Larecoin if:

• You want to slash interchange fees by 50%

• Self-custody matters to your business

• You need innovative features like NFT receipts

• You're building for the future of commerce

The Bottom Line

Payment processing isn't just about the fee percentage on the website.

It's about total cost of acceptance. Hardware. Accounting. Risk. Time.

NOWPayments and CoinPayments do their jobs. They process crypto payments. Fine.

Larecoin reimagines what crypto payments can be.

Fifty percent savings vs legacy systems. Self-custody. NFT receipts. QR-generated POS. A complete ecosystem built for merchants who want to keep more of what they earn.

The choice seems obvious.

Ready to stop overpaying for payment processing? Explore the Larecoin ecosystem and see what real savings look like.