NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Actually Slashes Your Fees by 50%?

Traditional payment processors are bleeding your business dry.

Every swipe. Every tap. Every transaction.

Credit card companies charge merchants 2.5% to 3.5% per sale. That's thousands of dollars vanishing into thin air every month.

Crypto POS systems promise relief. But which one actually delivers?

Let's break down NOWPayments, CoinPayments, and Larecoin. Feature by feature. Fee by fee.

The Fee Problem Nobody Talks About

Here's the math that keeps merchants up at night:

• $100,000 monthly revenue

• 3% average interchange fee

• $3,000 gone. Every. Single. Month.

That's $36,000 per year. Just to accept payments.

Crypto payment processors advertise 0.5% fees. Sounds good. But the real question?

Which platform gives you more than just lower fees?

NOWPayments: The Basics

NOWPayments entered the game as a straightforward crypto payment gateway.

What they offer:

• 0.5% service fee (no conversion)

• 1% fee with currency conversion

• 300+ supported cryptocurrencies

• Average 5-minute transaction confirmation

• API integration for developers

The Good: Fast setup. Wide crypto support. Simple dashboard.

The Catch: You're still dependent on their custody. Your funds sit in their wallets until you withdraw. That's counterparty risk.

Conversion fees add up quick. Want to accept Bitcoin but receive USDT? That's 1% now.

For small businesses testing crypto payments? Decent starting point.

For merchants serious about financial sovereignty? Keep reading.

CoinPayments: The Veteran

CoinPayments has been around since 2013. Claims the title of largest crypto payments processor globally.

What they offer:

• 0.5% flat commission

• Massive cryptocurrency selection

• Shopping cart plugins

• Merchant tools and invoicing

The Good: Battle-tested infrastructure. Years of reliability. No hidden fees.

The Catch: Same custody problem. Your crypto isn't truly yours until withdrawal.

The interface? Functional but dated. Built for 2013 standards.

No Web3-native features. No NFT integration. No stablecoin ecosystem.

CoinPayments works. But it's playing yesterday's game.

Larecoin: The Web3 Evolution

This is where things get interesting.

Larecoin isn't just a payment processor. It's a complete Web3 payments ecosystem built for the next decade of commerce.

Core Fee Structure: Competitive processing rates that slash traditional interchange fees by 50%+. But fees are just the beginning.

What actually sets Larecoin apart?

Self-Custody Merchant Accounts

Your keys. Your crypto. Period.

No waiting for withdrawals. No counterparty risk. No third party holding your revenue hostage.

Funds hit your wallet instantly. You maintain full control.

This is the difference between using crypto and owning crypto.

NFT Receipts for Accounting

Every transaction generates a verifiable NFT receipt.

Why does this matter?

• Immutable proof of every sale

• Automated bookkeeping integration

• Tax season simplified with blockchain-verified records

• Dispute resolution with cryptographic evidence

Your accountant will thank you. Your auditor will be impressed.

Traditional receipt systems are paper trails waiting to be lost. NFT receipts are permanent, verifiable, and on-chain forever.

LUSD Stablecoin Benefits

Volatility kills merchant adoption. Larecoin solved it.

LUSD provides:

• Price stability pegged to USD

• Instant settlement without conversion delays

• Gas-only transfers minimizing transaction costs

• Push-to-card functionality for immediate fiat access

Accept any crypto. Settle in stable value. No surprises.

Receivables Token Innovation

Here's where Larecoin goes beyond payments.

Receivables tokens transform your incoming payments into liquid, tradeable assets.

What this means:

• Access capital before settlement

• Unlock working capital trapped in pending transactions

• Build credit history on-chain

Traditional payment processors make you wait. Larecoin puts your money to work immediately.

Feature Comparison: The Full Picture

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5%	0.5%	Competitive
Self-Custody	❌	❌	✅
NFT Receipts	❌	❌	✅
Stablecoin Ecosystem	❌	❌	✅ (LUSD)
Receivables Token	❌	❌	✅
Web3 Native	Partial	❌	✅
Push-to-Card	❌	❌	✅
Bank-Free Operations	❌	❌	✅

The comparison speaks for itself.

Why Self-Custody Changes Everything

Let's be real.

If you're accepting crypto but storing it with a third party, you're missing the point.

Remember 2022? Exchanges collapsed. Processors froze funds. Merchants lost access to their own revenue.

Self-custody isn't a feature. It's a requirement.

Larecoin builds this into the foundation. Your merchant account is YOUR wallet. Not a balance on someone else's books.

The 50% Fee Reduction Reality

Here's the honest breakdown:

Traditional credit card processing: 2.5% - 3.5%

Crypto payment processing: 0.5% - 1%

That's not marketing spin. That's math.

A merchant processing $50,000 monthly saves roughly $1,000 per month switching to crypto payments. $12,000 annually.

But Larecoin's advantage compounds:

• No conversion fees with LUSD settlement

• Gas-only transfers reducing overhead

• Self-custody eliminating withdrawal fees

• NFT receipts cutting accounting costs

The savings stack.

Global Reach Without Banks

Crypto POS systems for small business aren't just about fees.

They're about access.

Traditional merchant accounts require:

• Bank relationships

• Credit checks

• Geographic restrictions

• Currency conversion nightmares

Larecoin enables:

• Borderless payments from day one

• No bank approval needed

• Any currency, any customer, anywhere

• Settlement in your chosen asset

Running a business without banking infrastructure was impossible five years ago.

Now it's a competitive advantage.

Who Wins?

Choose NOWPayments if:

• You need quick setup for crypto testing

• 300+ coin support matters most

• You're comfortable with custodial solutions

Choose CoinPayments if:

• You value long-standing reliability

• Simple integration is priority

• Web3 features aren't important

Choose Larecoin if:

• Self-custody is non-negotiable

• You want NFT receipts for bulletproof accounting

• Stablecoin settlement eliminates volatility concerns

• Bank-free operations matter

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

The Bottom Line

NOWPayments and CoinPayments are payment processors.

Larecoin is financial infrastructure.

The difference?

One category takes your payments. The other transforms your business.

When you're ready to stop paying 3% to credit card companies: and start owning your financial future: the choice becomes obvious.

Explore Larecoin's merchant solutions and see what Web3-native payments actually look like.

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Ready to slash your merchant fees by 50%+? Your business deserves better than legacy payment rails. Time to upgrade.