NOWPayments Vs CoinPayments Vs Larecoin: Which Crypto POS System Actually Slashes Your Fees?

Merchant fees are killing your margins. Period.

Traditional payment processors take 2.5% to 3.5% per transaction. That's thousands of dollars annually walking out the door. Crypto POS systems promise relief. But which one actually delivers?

Let's break down three major players: NOWPayments, CoinPayments, and Larecoin. We're talking real numbers. Real features. Real impact on your bottom line.

The Fee Problem Every Merchant Faces

Small businesses hemorrhage money on interchange fees. Credit card processors, payment gateways, chargebacks, the costs stack up fast.

Crypto payment solutions emerged as the answer. Lower fees. Faster settlements. No middlemen.

But not all crypto POS systems are created equal.

Some hide fees in conversion rates. Others lock your funds in custodial wallets. A few charge premium rates for basic features.

Time to see who's actually helping merchants reduce merchant interchange fees, and who's just shifting the problem.

NOWPayments: The 0.5% Promise

NOWPayments markets itself as a straightforward crypto payment gateway. Here's what you're looking at:

Base Fee Structure:

• 0.5% per transaction (no conversion)

• 1% with multi-currency conversion

• 1.5% to 2.3% for fiat payouts

Volume Discounts:

• 0.45% above 50 BTC monthly turnover

• 0.4% above 100 BTC monthly turnover

Key Features:

• Non-custodial (immediate fund access)

• 150+ cryptocurrency support

• API integration available

Sounds decent on paper. That 0.5% base rate undercuts traditional processors by a mile.

But here's the catch.

Most merchants need fiat conversion eventually. Rent doesn't pay itself in Dogecoin. Once you factor in conversion fees, that 0.5% jumps to 1.5%+ real fast.

And those volume discounts? Most small businesses won't hit 50 BTC monthly. Not even close.

NOWPayments works for crypto-native businesses. For mainstream merchants? The savings evaporate.

CoinPayments: The Veteran Player

CoinPayments has been around since 2013. That's ancient in crypto years. Their fee structure:

Base Fee Structure:

• 0.5% plus coin transaction fee

• Additional conversion fees apply

Key Features:

• Established reputation

• Multiple cryptocurrency support

• Custodial wallet system

CoinPayments pioneered merchant crypto adoption. Credit where it's due.

The problem? Their model hasn't evolved much.

That "plus coin transaction fee" addition matters. During network congestion, Bitcoin or Ethereum fees spike dramatically. Your 0.5% transaction suddenly costs 2%+ when gas fees explode.

The custodial wallet setup also means CoinPayments holds your funds. You're trusting a third party with your money. Not exactly the decentralization crypto promised.

For early adopters comfortable with the old model, CoinPayments delivers familiarity. For merchants demanding modern Web3 solutions? Time to look elsewhere.

Larecoin: The Web3 Evolution

Here's where things get interesting.

Larecoin isn't just another crypto payment processor. It's a complete Web3 payments ecosystem designed specifically for the merchants traditional providers ignored.

Fee Structure:

• Up to 50%+ savings versus traditional processors

• Gas-only transfers available

• No hidden conversion traps

Standout Features:

Self-Custody Merchant Accounts

Your money. Your wallet. Your control.

Larecoin's self-custody merchant accounts eliminate third-party risk entirely. No waiting for withdrawals. No frozen accounts. No asking permission to access your own funds.

This isn't just convenience, it's financial sovereignty for your business.

LUSD Stablecoin Benefits

Volatility concerns kill crypto adoption for merchants. Nobody wants to accept Bitcoin at $95,000 and see it drop to $85,000 before conversion.

LUSD stablecoin benefits solve this immediately. Accept crypto, settle in stable value. Simple.

No more price anxiety. No more timing conversions. Just predictable revenue.

NFT Receipts for Accounting

This is genuinely innovative.

Traditional receipts get lost. Paper trails fail. Reconciliation becomes a nightmare during tax season.

NFT receipts for accounting create immutable, blockchain-verified transaction records. Every sale documented permanently. Every receipt traceable. Your accountant will thank you.

Audit-proof documentation without the filing cabinets.

Receivables Token Technology

Larecoin's receivables token transforms how businesses manage cash flow. Outstanding payments become tradeable assets. Liquidity improves without waiting 30, 60, or 90 days for settlement.

For businesses with invoice-heavy operations, this changes everything.

The Real Comparison: Who Wins?

Let's cut through the marketing speak.

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5%	0.5% + gas	Up to 50%+ savings
Custody Model	Non-custodial	Custodial	Self-custody
Stablecoin Integration	Limited	Limited	LUSD native
NFT Receipts	No	No	Yes
Receivables Tokens	No	No	Yes
Gas-Only Transfers	No	No	Yes
Small Business Focus	Medium	Medium	High

The numbers don't lie.

NOWPayments and CoinPayments serve a purpose. They moved crypto payments forward. But they're iterations on an old model.

Larecoin represents what's next.

Why Small Businesses Choose Larecoin

Here's the reality for most merchants:

Traditional processors eat your profits. Existing crypto solutions help but don't solve everything. You need something built for modern commerce.

Crypto POS system for small business requirements differ from enterprise needs. You don't have dedicated treasury teams. You can't absorb volatility swings. You need simplicity and savings simultaneously.

Larecoin delivers both.

The self-custody approach means bank-free business operations become possible. No frozen accounts during compliance reviews. No arbitrary holds. No asking permission.

The LUSD integration means stable value without the complexity of manual conversions or timing markets.

NFT receipts mean compliance-ready documentation automatically.

This is what a NOWPayments alternative should look like in 2026. This is what a CoinPayments alternative needs to offer.

The Global Payments Angle

Web3 global payments unlock markets traditional processors won't touch.

Accepting payments from customers in emerging markets? Traditional processors decline those transactions or charge premium rates.

Larecoin's infrastructure doesn't discriminate by geography. A customer in Lagos pays the same as a customer in Los Angeles. That's global reach without global headaches.

For e-commerce merchants expanding internationally, this removes massive friction.

Making the Switch

Ready to slash your payment processing fees?

Here's what transitioning looks like:

1. Evaluate current costs - Calculate your actual interchange fees including hidden charges

2. Set up your self-custody wallet - Maintain control from day one

3. Integrate Larecoin's POS system - Contactless payments, online checkout, merchant portal

4. Start accepting crypto - Begin with stablecoin options for stability

5. Scale as needed - Add features like NFT receipts as your operation grows

The Larecoin ecosystem includes everything from swap and bridge functionality to AI-powered search tools. It's not just a payment processor: it's infrastructure for the next decade of commerce.

The Bottom Line

NOWPayments and CoinPayments pioneered crypto merchant services. They deserve recognition for that.

But merchant needs evolved. Fee structures need to evolve too.

Larecoin offers what modern businesses actually require:

• Genuine fee reduction (50%+ versus traditional processors)

• Self-custody without compromise

• Stablecoin stability for predictable revenue

• NFT receipts for seamless accounting

• Receivables tokens for improved cash flow

• True global payment capability

The question isn't whether crypto payments make sense for your business. They do.

The question is which platform actually delivers on the promise of lower fees and better features.

For merchants serious about financial sovereignty and real savings, Larecoin is the clear choice.

Stop overpaying for payment processing. Your margins depend on it.