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

Merchant fees are bleeding your business dry.

Every swipe. Every tap. Every transaction. Traditional payment processors take 2.5-3.5% right off the top.

Run $500K through your business annually? That's up to $17,500 gone. Just like that.

Crypto payment processors promise relief. But which one actually delivers?

Let's break down NOWPayments, CoinPayments, and Larecoin. Real numbers. Real differences. Real savings.

The Fee Reality Check

Here's what you're actually paying:

Platform	Processing Fee	Annual Cost on $500K
Traditional Cards	2.5-3.5%	$12,500-$17,500
NOWPayments	0.5-1%	$2,500-$5,000
CoinPayments	0.5-1%	$2,500-$5,000
Larecoin	Gas-only	Under $2,000

The math doesn't lie.

NOWPayments and CoinPayments cut your fees significantly. But Larecoin operates on a completely different model.

Gas-only transfers. No percentage-based processing fees. Just blockchain network costs.

That's 50%+ savings compared to traditional processors. And still meaningfully cheaper than other crypto options.

NOWPayments: The Flexible Middle Ground

NOWPayments has carved out a solid reputation in the crypto payment space.

What they offer:

• 0.5% fee for single-currency transactions

• 1% for multi-currency conversions

• Customizable network fee options

• Support for 150+ cryptocurrencies

The flexibility is real. Merchants can absorb fees, pass them to customers, or blend them. That customization matters for certain business models.

Processing speed? Averaging around 5 minutes per transaction.

The catch? NOWPayments functions as an intermediary. Your funds sit with them during processing before release. You're trusting a third party with your money.

For some merchants, that's acceptable. For others building in Web3? It defeats the purpose.

CoinPayments: The Veteran Player

CoinPayments has been around since 2013. That longevity builds trust.

What they deliver:

• Same 0.5-1% fee structure as NOWPayments

• Fixed pricing model

• Multi-coin support

• Shopping cart plugins for major platforms

They've processed over $10 billion in transactions. The infrastructure is proven.

The limitations? Less flexibility than NOWPayments. Processing times range from minutes to hours depending on network congestion and coin choice.

And like NOWPayments, they're a custodial solution. Your crypto goes through their hands first.

Both platforms represent meaningful upgrades from Visa and Mastercard's fee structures. But neither fully embraces what crypto payments should be.

Larecoin: The Self-Custody Revolution

Here's where things get interesting.

Larecoin doesn't just reduce fees. It fundamentally reimagines how merchant payments work.

The gas-only model explained:

Traditional crypto processors charge percentage-based fees on top of network costs. Larecoin eliminates the middleman entirely.

Funds transfer directly from customer wallet to merchant wallet. No intermediary holding. No processing percentage. Just the blockchain's gas fee.

On Solana? Those gas fees are fractions of pennies.

Real numbers for a $500K annual business:

• Traditional cards: ~$15,000 in fees

• NOWPayments/CoinPayments: ~$5,000

• Larecoin: Under $2,000

That's $13,000+ back in your pocket. Every year.

Processing speed? Near-instant settlement. Built on Solana's infrastructure means transactions finalize in seconds, not minutes or hours.

Why Self-Custody Actually Matters

Let's talk about something the other platforms gloss over.

Custodial vs. Non-custodial isn't just technical jargon. It's about who controls your money.

With NOWPayments and CoinPayments:

• Your funds route through their wallets

• You wait for them to release payments

• Platform issues mean frozen funds

• Regulatory changes could impact access

With Larecoin's self-custody model:

• Funds go directly to your wallet

• Instant access to your revenue

• No third-party risk

• True financial sovereignty

The 2022 crypto meltdowns taught merchants a painful lesson. Custody matters. When exchanges and processors freeze withdrawals, self-custody users keep operating.

Larecoin builds this protection into every transaction. Your keys. Your crypto. Your business.

NFT Receipts: More Than a Gimmick

Every Larecoin transaction generates an NFT receipt.

Sounds flashy. But the utility runs deep.

For merchants:

• Immutable proof of every transaction

• Automated accounting integration

• Dispute resolution becomes trivial

• Customer purchase history on-chain

For customers:

• Verifiable ownership records

• Warranty and return proof that can't be lost

• Potential loyalty program integration

• Resale documentation built-in

Traditional receipts get lost. Email confirmations get deleted. Paper fades.

NFT receipts live on-chain forever. Searchable. Verifiable. Permanent.

This isn't Web3 for Web3's sake. It's genuinely superior infrastructure for commerce.

The LUSD Advantage

Volatility kills merchant adoption.

Accept Bitcoin today. Worth 10% less tomorrow. That uncertainty makes crypto payments a hard sell for traditional businesses.

Larecoin's LUSD stablecoin solves this.

LUSD benefits:

• Dollar-pegged stability

• Same gas-only fee structure

• Instant settlement

• No conversion risk

Customers pay in LUSD. Merchants receive LUSD. Value stays constant.

Want to hold some transactions in volatile assets? That's your choice. But the option for stability exists.

This hybrid approach: stablecoin reliability with crypto efficiency: opens doors for merchants who'd otherwise never touch digital assets.

The Comparison Nobody Else Makes

Beyond fees, here's what separates these platforms:

Feature	NOWPayments	CoinPayments	Larecoin
Self-Custody	❌	❌	✅
NFT Receipts	❌	❌	✅
Native Stablecoin	❌	❌	✅ (LUSD)
Settlement Speed	~5 min	Variable	Near-instant
Fee Model	Percentage	Percentage	Gas-only

NOWPayments and CoinPayments improved on traditional payments. Larecoin rethinks them entirely.

Who Should Use What?

Choose NOWPayments if:

• You need maximum cryptocurrency variety

• Fee customization is priority

• You're comfortable with custodial solutions

Choose CoinPayments if:

• Platform longevity matters most

• You need established e-commerce plugins

• Fixed pricing simplifies your accounting

Choose Larecoin if:

• Maximum fee reduction is the goal

• Self-custody is non-negotiable

• You want Web3-native features like NFT receipts

• Instant settlement matters to your operations

For merchants serious about financial sovereignty and keeping more revenue? The choice becomes obvious.

The Bottom Line

Crypto payment processors all beat traditional cards on fees. That's table stakes in 2026.

The real question: Do you want a slightly better version of the old system? Or genuine Web3 infrastructure?

NOWPayments and CoinPayments offer incremental improvements. Lower fees. More payment options. Same custodial model.

Larecoin delivers transformation. Gas-only fees. True self-custody. NFT receipts. LUSD stability.

$13,000+ annual savings on a $500K business isn't marketing hype. It's math.

Your fees. Your custody. Your choice.

Ready to slash your payment processing costs? Explore Larecoin and see what real fee reduction looks like.