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

Your Fees Are Bleeding You Dry (And You Don't Even Know It)

Small business owners love talking about revenue.

They hate talking about fees.

But here's the brutal truth: If you're processing crypto payments through traditional gateways, you're losing thousands every year. Maybe tens of thousands.

The question isn't whether you should accept crypto. You already know that.

The question is: Which platform actually lets you keep your money?

The Real Cost of "Convenient" Crypto Gateways

NOWPayments and CoinPayments dominate the market.

They're established. Trusted. Easy to integrate.

And expensive.

Both platforms charge 0.5-1% per transaction. Sounds reasonable, right?

Wrong.

That's just the starting line. Add network fees. Withdrawal fees. Currency conversion charges. Suddenly your "reasonable" payment processor is taking a significant bite out of every sale.

Breaking Down the Fee Structure

Let's get specific.

NOWPayments:

• Platform fee: 0.5-1% per transaction

• Network fees: Variable (often hidden in fine print)

• Withdrawal fees: Yes

• Conversion fees: Yes

• Total effective cost: 1.5-2% or more

CoinPayments:

• Platform fee: 0.5-1% per transaction

• Blockchain fees: Yes

• Withdrawal penalties: Yes

• Conversion charges: Yes

• Total effective cost: 1.5-2% or more

Larecoin:

• Platform fee: Zero

• Only cost: Solana gas fees (pennies per transaction)

• Withdrawal fees: None

• Conversion fees: None (you control everything)

• Total effective cost: Under 0.1% at volume

The difference isn't subtle. It's massive.

The $500K Business Reality Check

Let's run the numbers for a small business processing $500,000 annually in crypto.

With NOWPayments/CoinPayments:

• Platform fees: $2,500 - $5,000

• Additional fees: $500 - $1,000

• Total annual cost: $3,000 - $6,000

With Larecoin:

• Gas fees only: Under $500

• Additional fees: $0

• Total annual cost: Under $500

You save $2,500 - $5,500 per year.

That's inventory. Marketing budget. Employee bonuses. Actual profit.

Scale Changes Everything

The fee gap widens dramatically as you grow.

At $1 million annual processing:

Traditional gateways: $5,000 - $10,000 in fees Larecoin: Under $2,000 in fees Annual savings: $3,000 - $8,000

At $5 million annual processing:

Traditional gateways: ~$25,000 in fees Larecoin: ~$5,000 in fees Annual savings: $20,000

That $20,000 isn't just savings. It's compounding freedom. Reinvestment capital. Growth fuel.

Most small businesses operate on 10-20% profit margins. Saving 0.5-1% on every transaction is the difference between struggling and thriving.

Speed Matters More Than You Think

Fees aren't the only consideration.

Settlement speed directly impacts your cash flow.

NOWPayments: ~5 minutes average CoinPayments: Minutes to hours (variable) Larecoin: Sub-second finality on Solana

Faster settlements mean faster reinvestment. Less waiting. Better liquidity management.

When you process hundreds of transactions daily, those minutes add up to hours. Hours become days. Days become locked capital you can't access.

Larecoin's Solana infrastructure settles almost instantly. Your money becomes truly your money immediately.

The Custody Question Nobody Asks

Here's what they don't advertise:

NOWPayments and CoinPayments are custodial.

They hold your funds. They control your money. You're basically giving them permission to be your crypto bank.

Larecoin operates differently.

Self-custody model. Non-custodial architecture. You control your keys. You control your funds. Always.

No intermediary. No third-party risk. No "we're processing your withdrawal" delays.

This isn't just philosophical. It's practical.

When a custodial platform experiences technical issues (and they all do eventually), your funds are frozen. When regulatory pressure hits (and it's hitting everywhere), custodial platforms comply first and ask questions later.

Self-custody means independence. True ownership. Merchant freedom.

When Should You Choose NOWPayments?

Fair question. Not every business needs Larecoin.

NOWPayments makes sense if:

• You process under $100K annually (fee impact is minimal)

• You need instant fiat conversion (you're uncomfortable holding crypto)

• You want full customer support handholding

• You're just testing crypto payments

NOWPayments offers simplicity. Established infrastructure. Immediate support.

For micro-businesses dipping their toes into crypto, that matters.

When Should You Choose CoinPayments?

CoinPayments has its place too.

Choose CoinPayments if:

• You need maximum cryptocurrency variety (they support 2,000+ coins)

• You're integrating with legacy e-commerce platforms

• International operations require their specific infrastructure

• You prioritize brand recognition over fee optimization

CoinPayments has been around since 2013. They're established. Known. Safe.

Sometimes that reputation matters more than savings.

When Should You Choose Larecoin?

Larecoin is built for a specific merchant:

Choose Larecoin if:

• You process significant monthly volume (fees become material)

• You understand Web3 infrastructure (or want to learn)

• Self-custody aligns with your business philosophy

• You want to maximize profitability

• You're building for the future, not maintaining the past

Larecoin isn't trying to replace every payment processor. It's offering an alternative for merchants who've realized traditional gateways are middlemen they don't need.

The merchant portal provides everything you need: invoicing, inventory tracking, NFT receipt generation, and LUSD stablecoin integration.

The NFT Receipt Advantage

Here's something competitors don't offer:

Larecoin generates NFT receipts automatically.

Every transaction becomes a verifiable, blockchain-recorded proof of purchase. Your customers receive collectible receipts. You get immutable records.

This isn't gimmicky. It's functional.

NFT receipts enable warranty tracking, loyalty programs, and customer engagement in ways traditional receipts can't match.

Plus they're just cool. Your tech-savvy customers will love them.

LUSD Integration: Stability Without Volatility

Crypto volatility scares merchants.

Understandable. Nobody wants to accept $100 in Bitcoin and watch it become $85 by end-of-day.

Larecoin solves this with LUSD stablecoin integration.

Accept payments in LARE or LUSD. Choose your risk tolerance. Keep crypto exposure or maintain stable value.

Traditional gateways force you to convert to fiat immediately (with conversion fees). Larecoin gives you options.

Want exposure? Keep LARE. Want stability? Hold LUSD. Want both? Split your holdings.

Control returns to you.

The Real Verdict for Small Businesses

The math is simple.

If you're processing under $100K annually, convenience probably outweighs savings. Stick with NOWPayments or CoinPayments.

If you're processing $500K+, you're literally burning thousands of dollars annually. The fee differential becomes impossible to ignore.

At $1M+, choosing a traditional gateway is financial negligence. You're paying $5,000-$10,000 for services you don't need.

Larecoin isn't for everyone. It requires some Web3 comfort. Some willingness to learn. Some independence.

But for merchants ready to take control, the savings are massive.

Zero platform fees. Solana-speed settlements. Self-custody. NFT receipts. LUSD stability.

This is what merchant freedom looks like in 2026.

Calculate Your Savings Today

Stop guessing. Run your numbers.

Take your annual crypto payment volume. Multiply by 0.5-1%. That's your current platform fee cost.

Now multiply by 0.05%. That's your Larecoin cost.

The difference is your annual savings.

For most small businesses processing meaningful volume, that difference is a car payment. A salary. A growth investment.

The question isn't whether you should switch.

The question is: How much longer can you afford not to?