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

Interchange fees are bleeding your business dry.

Every swipe. Every tap. Every transaction. Traditional payment processors take their cut, 2.5% to 3.5% per sale. That's thousands of dollars annually walking out the door.

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

Let's break down the three major players: NOWPayments, CoinPayments, and Larecoin. Real numbers. Real features. Real talk about which crypto POS system for small business actually reduces merchant interchange fees.

The Interchange Fee Problem

Traditional card networks charge merchants between 1.5% and 3.5% per transaction. Add payment processor fees on top. Gateway fees. Monthly minimums. PCI compliance costs.

For a business processing $500,000 annually? That's $12,500 to $17,500 gone. Just in fees.

Crypto payment solutions promise to slash those numbers dramatically. Some by 50% or more.

But the devil's in the details.

NOWPayments: The High-Volume Play

NOWPayments has built a solid reputation as a crypto payment gateway. Here's what you're working with:

Fee Structure:

• Base transaction fee: 0.5% (no conversion)

• With currency conversion: 1% total

• Fiat settlement: 1.5%–2.3%

• Volume discounts available at 50+ BTC monthly

Supported Coins: 350+

Average Transaction Time: 5 minutes

The numbers look good on paper. That 0.5% base rate beats traditional interchange fees by a mile. But here's the catch, most merchants need fiat conversion. Suddenly you're looking at 1%–2.3%.

Still better than Visa and Mastercard. But not revolutionary.

NOWPayments works well for businesses processing serious volume. Those tiered discounts kick in at 50 BTC/month (0.45%) and 100 BTC/month (0.4%). High-volume operations benefit.

The Downside?

No self-custody. Your crypto sits on their platform until withdrawal. That's counterparty risk. That's not financial sovereignty.

For merchants seeking a NOWPayments alternative with true ownership of funds, keep reading.

CoinPayments: The Veteran Option

CoinPayments has been around since 2013. Longevity counts for something.

Fee Structure:

• Transaction fee: 0.5%

• Deposit fees: Free up to $15,000/month

• 0.5% on deposits exceeding monthly threshold

Integration Options: Multiple plugins for major e-commerce platforms

Similar base rate to NOWPayments. That 0.5% puts it squarely in the "better than traditional" camp.

The free deposit tier helps smaller merchants manage cash flow. Process under $15K monthly and you're only paying that 0.5% transaction fee.

The Downside?

Same custody issues. Same reliance on a third party to hold your funds. Same limitations on what you can actually do with those receivables.

Looking for a CoinPayments alternative that gives you more control? There's a better path.

Larecoin: The Web3 Native Solution

Here's where things get interesting.

Larecoin isn't just another crypto payment processor. It's a complete Web3 global payments ecosystem built for financial sovereignty.

What Sets Larecoin Apart:

Self-Custody Merchant Accounts

Your funds. Your wallet. Your control.

Unlike NOWPayments and CoinPayments, Larecoin enables true self-custody merchant accounts. Payments flow directly to wallets you control. No intermediary holding your money. No withdrawal delays. No counterparty risk.

This is the future of receivables management.

LUSD Stablecoin Benefits

Volatility concerns? Handled.

LUSD provides merchants with stable settlement options. Accept crypto. Receive stable value. The LUSD stablecoin benefits include:

• Price stability pegged to USD

• Instant settlement

• No exposure to BTC or ETH price swings

• Seamless accounting integration

NFT Receipts for Accounting

This is the killer feature nobody else offers.

Traditional receipts get lost. Paper fades. Digital files corrupt. Larecoin's NFT receipts for accounting create immutable, on-chain records of every transaction.

What This Means:

• Permanent transaction proof

• Simplified audit trails

• Automated tax documentation

• Zero reconciliation headaches

Your accountant will thank you. Your auditor will love you.

Receivables Token Technology

Transform your future receivables into liquid assets.

Larecoin's receivables token system lets merchants tokenize incoming payments. Unlock cash flow before settlement. Access working capital instantly. No banks required.

This isn't just payment processing. This is financial innovation.

Side-By-Side Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5%	0.5%	Competitive
Self-Custody	No	No	Yes
NFT Receipts	No	No	Yes
Stablecoin Option	Limited	Limited	LUSD Native
Receivables Tokens	No	No	Yes
Bank-Free Operations	Partial	Partial	Full
Volume Discounts	Yes	Limited	Yes

The Real Cost Calculation

Let's run the numbers.

Traditional Processing ($500K annual revenue):

• Average interchange: 2.5%

• Annual fees: $12,500

NOWPayments ($500K annual revenue):

• With fiat conversion: ~1.5%

• Annual fees: $7,500

• Savings: $5,000

CoinPayments ($500K annual revenue):

• Base rate: 0.5%

• Annual fees: $2,500

• Savings: $10,000

Larecoin ($500K annual revenue):

• Competitive rates + self-custody

• NFT receipt value: Priceless (audit protection)

• Receivables tokenization: Additional liquidity

• True savings: 50%+ when factoring total cost of ownership

The difference isn't just fees. It's the ecosystem value.

Self-custody eliminates withdrawal fees. NFT receipts slash accounting costs. Receivables tokens unlock working capital without bank loans.

Why Merchants Are Switching

Three reasons businesses choose Larecoin over traditional crypto POS alternatives:

1. Financial Sovereignty

No bank account freezes. No payment processor holds. No third-party deciding when you can access your money.

Bank-free business operations aren't just possible: they're practical.

2. Global Reach

Accept payments from anywhere. Settle in LUSD. Skip the international wire fees. Skip the currency conversion losses.

Web3 global payments without borders.

3. Future-Proof Infrastructure

NFT receipts. Tokenized receivables. Self-custody wallets.

This technology isn't going away. Merchants building on Larecoin today are positioned for the financial infrastructure of tomorrow.

Making The Switch

Ready to slash your interchange fees?

Step 1: Visit the Larecoin Merchant Portal

Step 2: Set up your self-custody wallet

Step 3: Integrate with your existing POS system

Step 4: Start accepting crypto payments with NFT receipt generation

The setup process is streamlined. Most merchants go live within 24-48 hours.

The Bottom Line

NOWPayments and CoinPayments both offer solid improvements over traditional payment processing. That 0.5% base rate beats interchange fees handily.

But they're building on yesterday's model. Custodial accounts. Limited features. Traditional thinking with crypto veneer.

Larecoin represents the actual evolution.

Self-custody merchant accounts. LUSD stablecoin benefits. NFT receipts for accounting. Receivables token liquidity.

This is what a true crypto POS system for small business looks like in 2026.

The question isn't whether to switch from traditional payment processing. The question is which Web3 solution actually delivers on the promise of financial sovereignty.

For merchants serious about reducing costs, maintaining control, and building for the future: Larecoin is the answer.

Explore the ecosystem and see why businesses are making the move to true Web3 payments.