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

Merchant fees are killing your margins.

Credit card processors take 2-3%. Payment gateways stack on more. By the time you're done, you've lost serious revenue on every single transaction.

Crypto was supposed to fix this. Cut out the middlemen. Reduce overhead. Give merchants their money back.

But here's the truth most crypto payment providers won't tell you: not all crypto POS systems are created equal.

Some just shift the fee problem from Visa to volatile tokens. Others lock your funds in custodial wallets you don't control.

Let's break down the three major players: NOWPayments, CoinPayments, and Larecoin. Only one actually delivers on the promise of slashing interchange fees by 50% or more.

The Traditional Fee Problem

Traditional payment processing is a tax on doing business.

• Interchange fees: 1.5% - 3.5%

• Payment gateway fees: 0.1% - 0.5%

• Monthly platform fees: $10 - $50+

• Chargeback fees: $15 - $100 per dispute

For a merchant doing $100K monthly, you're bleeding $2,500 - $4,000 in fees alone. That's $30K - $48K annually. Gone.

Crypto promised freedom from this system. Let's see who actually delivers.

NOWPayments: The Popular Choice

NOWPayments has carved out significant market share. They support 100+ cryptocurrencies. Integration is straightforward. Marketing is solid.

Here's the fee breakdown:

• Base transaction fee: 0.5%

• Exchange fee (if converting): Additional 0.5%

• Fiat withdrawal fees: 1.5% - 2.3%

• Network fees: Variable

The Reality:

That 0.5% looks attractive until you need fiat. Most merchants can't pay suppliers in Bitcoin. They need dollars. Suddenly you're looking at 1.5% - 2.3% just to access your own money.

High-volume discounts exist. Process over 50 BTC monthly? Your fee drops to 0.45%. Over 100 BTC? 0.4%.

Cool. But that's not 50% savings. That's a 10-20% discount for whales.

Custody Model:

NOWPayments offers both custodial and non-custodial options. But the user experience pushes toward custodial. Your keys? Not really yours.

CoinPayments: The Veteran

CoinPayments has been around since 2013. They pioneered multi-currency support. Trusted by thousands of merchants worldwide.

Fee Structure:

• Transaction fee: 0.5%

• Network fees: Variable by coin

• Withdrawal fees: Depend on currency

The Reality:

Same 0.5% base as NOWPayments. No meaningful differentiation on cost.

Integration options are extensive. WooCommerce, Shopify, Magento, they cover most platforms. But extensive doesn't mean efficient.

The Custody Problem:

CoinPayments operates primarily as a custodial service. They hold your crypto. They process your withdrawals. They control the timeline.

In 2024 and beyond, custodial solutions represent a fundamental misunderstanding of why crypto exists.

Not your keys. Not your coins. Period.

Larecoin: The Fee-Slashing Disruptor

Here's where things get interesting.

Larecoin wasn't built to be another crypto payment processor. It was engineered from the ground up to solve the merchant fee crisis.

The 50%+ Fee Reduction:

Traditional interchange: 2-3.5% Larecoin processing: Under 1%

That's not marketing fluff. That's architecture.

How? Three core innovations:

1. LUSD Stablecoin Integration

Volatility kills merchant adoption. Accept Bitcoin today, and it's worth 15% less tomorrow. That's not a payment, it's a gamble.

LUSD changes the equation entirely.

• Pegged stability

• Instant settlement

• No conversion fees to fiat equivalents

• Native to the Larecoin ecosystem

Merchants receive value. Predictable value. No scrambling to convert before prices crash.

2. Gas-Only Transfers

Most crypto transactions involve:

• Platform fees

• Network fees

• Exchange fees

• Withdrawal fees

Larecoin's architecture enables gas-only transfers. You pay network costs. Nothing more.

The platform doesn't extract rent on every transaction. Revolutionary? It should be standard.

3. True Self-Custody

Your funds hit your wallet. Immediately. No holding periods. No custodial limbo.

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

• No counterparty risk

• No platform insolvency exposure

• No withdrawal approval processes

• Immediate access to your revenue

NFT Receipts: The Overlooked Game-Changer

Here's something NOWPayments and CoinPayments simply don't offer: NFT receipts.

Every transaction generates a verifiable, immutable receipt on-chain.

Why This Matters:

• Dispute Resolution: Cryptographic proof of purchase

• Accounting: Automated, blockchain-verified records

• Customer Loyalty: Receipts become collectible, programmable assets

• Warranty Tracking: Smart contracts tied to purchase dates

Traditional receipts are paper or PDFs. They get lost. They get forged. They prove nothing.

NFT receipts are permanent blockchain records. Try disputing that.

The Comparison Table

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5%	0.5%	Under 0.5%
Fiat Conversion	1.5-2.3%	Variable	LUSD native
Self-Custody	Partial	Limited	Full
NFT Receipts	No	No	Yes
Stablecoin	Third-party	Third-party	LUSD native
Fee Reduction vs Traditional	~80%	~80%	50%+ vs interchange

Self-Custody: The Non-Negotiable

Let's be direct.

If a payment processor holds your funds, you don't have a crypto solution. You have a traditional payment processor with extra steps.

The entire point of Web3 payments is sovereignty. Financial autonomy. Control.

NOWPayments and CoinPayments emerged from a Web2 mindset. Centralized infrastructure with crypto bolted on.

Larecoin was built Web3-native. Self-custody isn't a feature: it's the foundation.

Real Numbers, Real Savings

Let's do the math for a merchant processing $50,000 monthly:

Traditional Processing (2.5% average):

• Monthly fees: $1,250

• Annual fees: $15,000

NOWPayments (0.5% + 2% fiat conversion):

• Monthly fees: $1,250

• Annual fees: $15,000

• Savings vs traditional: Minimal

Larecoin (Sub-1% with LUSD):

• Monthly fees: Under $500

• Annual fees: Under $6,000

• Savings vs traditional: $9,000+ annually

That's real money. Back in your pocket. Funding growth instead of feeding processors.

The Verdict

NOWPayments and CoinPayments serve a purpose. They brought crypto payments to the mainstream. They proved the model works.

But they're first-generation solutions. Legacy architecture. Incremental improvements on a broken system.

Larecoin represents the next evolution:

• Native stablecoin eliminates volatility risk

• True self-custody maintains financial sovereignty

• NFT receipts provide immutable transaction records

• Fee architecture actually delivers 50%+ savings

The question isn't whether crypto payments are the future. That's settled.

The question is which platform actually delivers on the promise.

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Ready to stop bleeding fees? Explore the Larecoin ecosystem and see what Web3 payments should look like.