NOWPayments Vs CoinPayments Vs Larecoin: Which Crypto POS System Actually Saves Your Business Money?

Let's talk fees. They're eating your margins alive.

Every swipe. Every tap. Every transaction. Legacy payment processors take their cut. And crypto payment gateways? They're not always the heroes they claim to be.

So which crypto POS system actually puts money back in your pocket? We're breaking down NOWPayments, CoinPayments, and Larecoin. No fluff. Just numbers and features that matter to your bottom line.

The Fee Problem Nobody Wants to Discuss

Traditional payment rails charge anywhere from 2.5% to 3.5% per transaction. That's before chargebacks. Before monthly fees. Before gateway costs.

Crypto payment solutions promise lower fees. But here's the catch, most still operate within the same extractive framework. They've just swapped one middleman for another.

Let's see how the big players stack up.

NOWPayments: The Multi-Asset Approach

NOWPayments has carved out serious market share. Here's why businesses flock to it:

Processing Fees:

• 0.5% for single-currency transactions

• 1% for multi-currency swaps

The Good:

• Supports 300+ cryptocurrencies

• Customizable network fee options

• ~5-minute processing (45 seconds on TON)

• 0% payout fees to your wallet

The Catch:

• Multi-currency means double the fee

• Gas fees still hit your customers

• No true self-custody solution

• Standard crypto-to-fiat settlement delays

NOWPayments works. It's reliable. But "works" doesn't mean "optimal."

CoinPayments: The Original Player

CoinPayments entered the game early. First-mover advantage matters. But staying power requires evolution.

Processing Fees:

• 0.5% for BTC/ETH transactions

• 1% for tokens and stablecoins

The Good:

• Established reputation since 2013

• 40+ supported cryptocurrencies

• CSV exports for accounting

• Crypto-to-fiat options

The Reality:

• Limited flexibility on network fees

• Processing times range from minutes to hours

• Stablecoin transactions cost double

• No innovative receipt solutions

CoinPayments does the job. But we're in 2026. "Doing the job" isn't competitive anymore.

Larecoin: The Ecosystem That Slashes Costs by 50%

Here's where things get interesting.

Larecoin isn't just another payment gateway. It's a complete receivables ecosystem built from the ground up to slash interchange fees by 50% compared to legacy systems.

How? Three words: Self-custody architecture.

The Larecoin Ecosystem Breakdown

LARE Token , The receivables token powering the entire network. Gas-only transfers mean minimal overhead.

LUSD , Larecoin's stablecoin. Price stability without the volatility headaches. Perfect for everyday transactions.

LarePAY , QR-generated POS system. No hardware. No monthly rentals. Scan. Pay. Done.

LareBlocks , The infrastructure layer. Fast confirmations. Low fees. Built for commerce.

Why Larecoin Wins on Cost

Traditional Card Processing: 2.5% - 3.5% per transaction

NOWPayments/CoinPayments: 0.5% - 1% per transaction

Larecoin: Gas-only transfers + ecosystem incentives = 50% lower than legacy systems

The math is simple. When you eliminate intermediaries and use a purpose-built receivables token, costs plummet.

The Self-Custody Advantage

This is where Larecoin fundamentally differs from NOWPayments and CoinPayments.

Both NOWPayments and CoinPayments operate custody models. Your funds flow through their systems. They hold. They process. They release.

The Larecoin Smart Wallet flips this model.

Your keys. Your crypto. Your control.

Self-custody means:

• No withdrawal limits imposed by third parties

• No account freezes during "verification"

• No waiting for settlement windows

• Instant access to your funds

For merchants processing significant volume, self-custody isn't a luxury. It's a necessity.

NFT Receipts: Tax Season Just Got Easier

Let's talk about something neither NOWPayments nor CoinPayments offers.

NFT receipts.

Every Larecoin transaction generates an immutable, verifiable receipt stored on-chain. Not a PDF. Not a CSV export. An actual blockchain-verified record.

Why This Matters for Your Business:

• Tax Compliance , Auditors love verifiable records. NFT receipts provide indisputable proof of every transaction.

• Accounting Integration , No more reconciling spreadsheets. Your receipts live on-chain, timestamped and permanent.

• Dispute Resolution , Customer claims they never got charged? NFT receipt says otherwise.

• Record Retention , No servers to maintain. No backups to worry about. Blockchain stores it forever.

This alone could save businesses thousands in accounting costs annually.

QR-Generated POS: Zero Hardware Costs

NOWPayments and CoinPayments both require integration work. APIs. Plugins. Developer hours.

LarePAY takes a different approach.

Generate a QR code. Accept payments. That's it.

No POS hardware rental fees. No monthly terminal costs. No proprietary equipment lock-in.

Your smartphone becomes your payment terminal. Your tablet becomes your checkout counter.

For small businesses, pop-up shops, and mobile vendors, this changes everything. The barrier to accepting crypto payments drops to zero.

Feature Comparison: The Full Picture

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5% - 1%	0.5% - 1%	Gas-only
Supported Assets	300+	40+	LARE, LUSD + Ecosystem
Self-Custody	No	No	Yes (Smart Wallet)
NFT Receipts	No	No	Yes
QR POS System	Limited	No	LarePAY Native
Processing Time	~5 min	Variable	Near-instant
Stablecoin Option	External	External	LUSD Native
Interchange Savings	Moderate	Moderate	50%+ vs Legacy

Real Cost Savings: Let's Do the Math

Scenario: A business processing $100,000 monthly in transactions.

Traditional Card Processing (3%): $3,000/month in fees = $36,000/year

NOWPayments (0.75% avg): $750/month = $9,000/year

CoinPayments (0.75% avg): $750/month = $9,000/year

Larecoin Ecosystem: Gas-only transfers + 50% reduction vs legacy = significant savings that compound monthly

The gap widens at scale. Process more. Save more. Simple.

Who Should Use What?

Choose NOWPayments if:

• You need maximum cryptocurrency variety

• Multi-currency conversion is essential

• You're comfortable with custodial solutions

Choose CoinPayments if:

• Brand recognition matters to your customers

• You prefer established platforms

• Basic crypto acceptance is your only goal

Choose Larecoin if:

• Maximizing cost savings is priority one

• Self-custody and control matter

• You want NFT receipts for accounting

• Hardware-free POS appeals to you

• You're building for the future of Web3 commerce

The Bottom Line

NOWPayments and CoinPayments served their purpose. They bridged traditional commerce and crypto. Credit where it's due.

But the game has evolved.

Larecoin represents the next generation: purpose-built for merchants who refuse to sacrifice margin to middlemen. Self-custody. NFT receipts. QR-based POS. An entire ecosystem designed around one principle: your money should stay your money.

Interchange fees shouldn't be a cost of doing business. Not anymore.

Ready to see what 50% savings looks like for your operation?

Explore the Larecoin ecosystem and run your own numbers. The math doesn't lie.