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

Let's cut to the chase.

You're bleeding money on payment processing fees. Every swipe. Every tap. Every transaction.

Traditional card processors take 2.5-3.5% of your revenue. That's $15,000 gone on $500K in annual sales. Poof. Vanished into the pockets of intermediaries.

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

We're breaking down NOWPayments, CoinPayments, and Larecoin. Head-to-head. No fluff. Just the numbers that matter to your bottom line.

The Fee War: Who's Actually Saving You Money?

Here's where it gets interesting.

Traditional Card Processors: 2.5-3.5% per transaction NOWPayments: 0.5-1% per transaction CoinPayments: 0.5-1% per transaction Larecoin: Gas-only transfer model

Wait. Gas-only?

That's not a typo. Larecoin operates on a fundamentally different model. No percentage cut. No hidden fees. Just network gas costs.

Real Numbers. Real Savings.

Let's do the math on a business processing $500,000 annually:

Platform	Fee Structure	Annual Cost
Traditional Processor	2.5-3.5%	~$15,000
NOWPayments	0.5-1%	~$3,750-5,000
CoinPayments	0.5-1%	~$3,750-5,000
Larecoin	Gas-only	Under $2,000

That's a 50%+ reduction compared to other crypto processors. And an 87% reduction compared to traditional card fees.

The difference? $13,000+ back in your pocket. Every year.

NOWPayments: The Good and The Gaps

NOWPayments has carved out a solid reputation. 300+ supported cryptocurrencies. Decent API documentation. Works for basic needs.

What they offer:

• 0.5% for single-currency transactions

• 1% for multi-currency transactions

• Auto-conversion features

• E-commerce plugins

Where they fall short:

• Custodial model (they hold your funds)

• Settlement delays

• Basic transaction records only

• No native stablecoin integration

The custodial issue is massive. Your money sits in their wallets before hitting yours. That's counterintuitive to the entire Web3 philosophy.

CoinPayments: Quantity Over Quality?

CoinPayments flexes with 2,000+ supported cryptocurrencies. Impressive number. But does volume equal value?

What they offer:

• 0.5% for major cryptocurrencies

• 1% for tokens and stablecoins

• Massive coin selection

• Merchant tools and plugins

Where they fall short:

• Same custodial problem

• Higher fees on stablecoins (ironic, right?)

• Complex fee structure

• Generic receipt system

Both platforms operate as intermediaries. Middle-men. They stand between your customers and your wallet.

Not exactly the decentralized dream, is it?

Larecoin: The Gas-Only Difference

Here's where the game changes.

Larecoin doesn't take a cut. Period. The gas-only transfer model means you pay network costs, nothing more. No percentage fees eating into your margins.

The Larecoin advantage:

Self-Custody: Why It Matters More Than You Think

Traditional payment processors and even other crypto solutions operate on trust.

Trust that they'll release your funds. Trust that they won't freeze your account. Trust that they'll still exist next month.

We've all seen what happens when that trust breaks.

Self-custody eliminates the trust problem entirely. Your keys. Your coins. Your business.

With Larecoin, every transaction flows directly to your wallet. No third-party control. No permission needed to access your own money.

That's financial sovereignty. That's how Web3 payments should work.

LUSD: Stability Without Sacrifice

Crypto volatility scares merchants. Understandably.

You accept $100 in Bitcoin. By the time it settles, it's worth $85. Or $115. The uncertainty is exhausting.

LUSD changes the equation.

Larecoin's native stablecoin integration means you can receive payments in stable value. Your $100 stays $100. Predictable. Reliable. Accountant-friendly.

No need to immediately convert to fiat. No scrambling to hedge positions. Just stable value, on-chain.

NFT Receipts: Beyond Basic Transactions

Standard transaction records are... boring. Static. Forgettable.

NFT receipts flip the script.

Every purchase becomes a verifiable, on-chain proof of transaction. Immutable records that can't be altered or disputed. Perfect for:

• Audits and compliance

• Warranty tracking

• Customer loyalty programs

• Returns and exchanges

Imagine a world where receipt fraud doesn't exist. Where every transaction is cryptographically verified. Where customer disputes resolve in seconds, not weeks.

That's the NFT receipt advantage. And it's standard on Larecoin.

The Real Comparison

Let's stack these platforms feature-by-feature:

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fee	0.5-1%	0.5-1%	Gas-only
Self-Custody	No	No	Yes
Settlement Speed	Delayed	Delayed	Near-instant
Native Stablecoin	No	No	LUSD
NFT Receipts	No	No	Yes
Custodial Model	Yes	Yes	No
Coins Supported	300+	2,000+	Growing ecosystem

The pattern is clear.

NOWPayments and CoinPayments optimize for quantity: more coins, more plugins, more features nobody asked for.

Larecoin optimizes for what actually matters: lower costs, true ownership, and merchant-first innovation.

What 50% Fee Reduction Really Means

Let's talk reinvestment.

That $13,000+ annual savings isn't just a number. It's:

• A new employee

• Marketing budget for a quarter

• Equipment upgrades

• Inventory expansion

• Emergency runway

Payment fees compound against you. Every percentage point matters. Every dollar saved fuels growth.

At 50%+ reduction versus other crypto processors: and 87% reduction versus traditional cards: Larecoin transforms payment processing from a cost center to a competitive advantage.

Making The Switch

Transitioning to crypto payments sounds complex. It's not.

Step 1: Set up your self-custody wallet Step 2: Connect to Larecoin's merchant portal Step 3: Integrate with your existing POS or e-commerce platform Step 4: Start accepting payments

No long approval processes. No underwriting delays. No merchant account applications.

Just plug in and start saving.

The Bottom Line

NOWPayments works. CoinPayments works. But "works" isn't the bar.

The question is: which platform actually advances your business?

• Lower fees? Larecoin wins.

• Self-custody? Larecoin wins.

• Instant settlement? Larecoin wins.

• Native stablecoins? Larecoin wins.

• NFT receipts? Larecoin wins.

The 50%+ fee reduction isn't marketing hype. It's math.

Your margins deserve better than percentage-based middlemen skimming every transaction. Your business deserves true financial sovereignty.

Ready to stop bleeding fees?

Explore Larecoin's merchant solutions and see what 50% savings looks like for your business.

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This post is part of Larecoin's 10-year blog marathon: dedicated to merchant growth, financial sovereignty, and the future of Web3 payments.