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

Let's cut to it.

You're bleeding money on payment processing fees. Every. Single. Transaction.

Traditional payment rails eat into your margins. Credit card processors laugh all the way to the bank. And you? You're left wondering if there's a smarter way.

There is.

Crypto POS systems are reshaping how businesses handle payments. But not all crypto payment solutions are created equal. Some still hit you with hidden costs. Others lock your funds in custodial wallets you don't control.

Today, we're breaking down three major players: NOWPayments, CoinPayments, and Larecoin. By the end, you'll know exactly which one actually keeps more money in your pocket.

The Real Cost of Payment Processing

Here's the dirty secret legacy payment systems don't want you to think about.

Average interchange fees on credit card transactions? 1.5% to 3.5% per swipe. That's before gateway fees. Before monthly minimums. Before the nickel-and-diming that happens behind the scenes.

Run a business doing $500K annually? You're hemorrhaging $7,500 to $17,500 just to accept payments.

Crypto payment systems promise lower fees. But the devil's in the details.

NOWPayments: The Quick Overview

NOWPayments has carved out solid ground in the crypto payment space.

The Good:

• 0.5% fee for single-currency transactions

• 1% for multi-currency swaps

• Supports 300+ cryptocurrencies

• Average processing time: 5 minutes

• Customizable network fee options for merchants

The Catch:

• You're still paying network (gas) fees on top

• Custodial by default, your funds sit in their system

• Limited POS hardware integration

• No native accounting automation

For businesses processing high volumes, that 0.5% adds up fast. And the custodial model? Not exactly "be your own bank" energy.

CoinPayments: The Veteran Player

CoinPayments has been around since 2013. Longevity counts for something.

The Good:

• Same fee structure: 0.5% single-currency, 1% multi-currency

• 0% payout fees

• Established reputation

• Shopping cart plugins for major e-commerce platforms

The Catch:

• Only 40+ supported cryptocurrencies (compared to NOWPayments' 300+)

• Processing times range from minutes to hours

• Dated interface

• Limited innovation in recent years

• Custodial wallet system

The slower processing times are a real concern. In crypto, price volatility during settlement can eat your margins faster than the fees themselves.

Larecoin: The Game-Changer You Haven't Considered

Now let's talk about what happens when you build a payment system from the ground up with merchants in mind.

Larecoin isn't just a payment processor. It's a complete receivables ecosystem.

The Fee Situation

Here's where it gets interesting.

Larecoin slashes interchange fees by 50% compared to legacy systems. We're talking real, measurable savings that compound over time.

Processing $500K annually? Instead of losing $15,000+ to traditional processors, you're keeping significantly more in your business.

The Ecosystem Advantage

Larecoin operates within a comprehensive Web3 infrastructure:

• LARE Token: The receivables token powering the ecosystem

• LUSD: Stablecoin version for volatility-free transactions

• LarePAY: Merchant payment processing

• LareBlocks: The underlying blockchain infrastructure

This isn't a bolt-on crypto option. It's an integrated financial layer designed for business.

Self-Custody: Why It Matters More Than You Think

Here's something NOWPayments and CoinPayments don't emphasize.

When your funds sit in a custodial wallet, you don't own them. The platform does. You're trusting a third party with your revenue.

We've all seen what happens when centralized crypto platforms fail. Funds frozen. Withdrawals halted. Businesses scrambling.

The Larecoin Smart Wallet changes this equation.

Full self-custody. Your keys. Your crypto. Your business revenue under your control: not locked behind someone else's terms of service.

The Smart Wallet integrates directly with your POS operations while maintaining complete ownership of your assets. No middleman holding your money hostage.

NFT Receipts: Innovation That Actually Solves Problems

Tax season. Accounting reconciliation. Audit trails.

Traditional crypto payment systems generate basic transaction records. You're left manually categorizing, exporting, and hoping your accountant understands blockchain.

Larecoin introduced NFT receipts.

Every transaction mints an immutable, on-chain receipt. Complete with:

• Transaction details

• Timestamp verification

• Automatic categorization

• Tax-ready documentation

Your accountant will thank you. Your auditor will actually understand what they're looking at. And you? You've got bulletproof records that can't be altered or lost.

This isn't gimmicky NFT speculation. It's practical blockchain utility solving real business problems.

QR-Generated POS: Simplicity Wins

Forget expensive hardware terminals. Forget complex integrations.

Larecoin's QR-generated POS system turns any device into a payment terminal.

• Generate dynamic QR codes instantly

• Accept payments from any crypto wallet

• No proprietary hardware required

• Works in-store, online, or in the metaverse

The barrier to entry? Basically zero. A smartphone and internet connection. That's it.

For pop-up shops, mobile vendors, and businesses testing crypto payments: this flexibility is unmatched.

The Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Base Transaction Fee	0.5%	0.5%	Lower than legacy by 50%
Cryptocurrencies Supported	300+	40+	Full ecosystem + LUSD stablecoin
Processing Speed	~5 minutes	Minutes to hours	Near-instant
Custody Model	Custodial	Custodial	Self-custody Smart Wallet
NFT Receipts	❌	❌	✅
QR POS System	Basic	Basic	Advanced QR-generated
Accounting Automation	Limited	Limited	Built-in via NFT receipts
Stablecoin Option	Third-party	Third-party	Native LUSD

The Bottom Line: Which Actually Saves You Money?

NOWPayments and CoinPayments are serviceable. They've been around. They work.

But "works" isn't the same as "optimized."

If you're serious about:

• Cutting interchange fees significantly

• Maintaining control of your funds through self-custody

• Automating accounting with NFT receipt technology

• Simplifying POS operations with QR-based systems

• Future-proofing with a complete Web3 ecosystem

Larecoin is the clear winner.

Ready to Stop Leaving Money on the Table?

Every transaction processed through legacy systems or suboptimal crypto processors is money walking out the door.

The Larecoin ecosystem: LARE, LUSD, LarePAY, LareBlocks, and the Smart Wallet: represents the next evolution in business payments.

Lower fees. True ownership. Smarter accounting. Simpler operations.

Explore how Larecoin transforms your payment infrastructure at larecoin.com.

Your margins will thank you.