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

Interchange fees are killing your margins. Period.

Every swipe. Every tap. Every transaction. Traditional payment processors siphon 2.5% to 3.5% straight from your revenue. On $500,000 in annual sales? That's $15,000 gone.

But here's the thing: crypto payment processors promised to fix this. Not all of them delivered.

Let's break down NOWPayments, CoinPayments, and Larecoin. Which one actually slashes your interchange fees? Which one gives you real control? Time to find out.

The Interchange Fee Problem Nobody's Talking About

Traditional card processors built their empires on intermediaries. Banks. Networks. Clearinghouses. Each one taking a cut.

Merchants eat those costs. Customers pay higher prices. Everyone loses except the middlemen.

Crypto was supposed to change that. Peer-to-peer. Decentralized. No intermediaries.

Yet most crypto payment processors... became the new intermediaries.

Ironic, right?

The Real Numbers: Fee Comparison Breakdown

Let's talk actual costs. No fluff.

Platform	Processing Fee	Annual Cost on $500K
Traditional Processors	2.5-3.5%	~$15,000
NOWPayments	0.5-1%	~$5,000
CoinPayments	0.5-1%	~$5,000
Larecoin	Gas-only	Under $2,000

The math is clear. Larecoin cuts fees by over 85% compared to traditional processors. Even against other crypto options, it's saving merchants an extra $3,000+ annually.

That's not incremental improvement. That's a complete paradigm shift.

NOWPayments: The Reliable Middle Ground

NOWPayments has been around since 2019. They've processed millions in transactions. Solid track record.

The Good:

• 0.5% fee for single-currency transactions

• 1% for multi-currency

• Customizable network fees

• 300+ supported cryptocurrencies

• Self-custody available

The Catch:

• Still charges processing fees

• Settlement takes approximately 5 minutes

• Network fees add to costs

• More complexity for merchants

NOWPayments gives merchants flexibility. You can absorb network fees or pass them to customers. Decent for optimization.

But you're still paying that 0.5-1% on every transaction. Forever. Those percentages compound into real money over time.

CoinPayments: The Established Player

CoinPayments matches NOWPayments on headline fees. Same 0.5-1% structure. Broader crypto support than most competitors.

The Good:

• Competitive processing rates

• Wide cryptocurrency selection

• Established infrastructure

The Catch:

• Holds funds as intermediary

• No customizable network fees

• Settlement ranges from minutes to hours

• Less merchant control

Here's the critical issue: CoinPayments acts as a custodian. Your funds sit in their system. You're trusting them to release your money.

That's not Web3. That's Web2 with extra steps.

Larecoin: The Architecture That Changes Everything

Larecoin doesn't reduce intermediary fees. It eliminates intermediaries entirely.

No processing percentage. No middleman holding your funds. Just gas fees: the minimal cost of blockchain transactions.

How It Works:

Direct merchant-to-customer transfers. Your wallet receives payment instantly. Sub-second finality on Solana. Done.

That's it. That's the whole model.

Key Advantages:

• Gas-only costs (dramatically lower than percentage fees)

• Instant settlement: funds hit your wallet immediately

• True self-custody from transaction one

• QR-based POS for seamless integration

• LUSD stablecoin for zero-volatility transactions

• NFT receipts for immutable transaction records

For a business doing $500,000 annually, switching from traditional processors to Larecoin saves over $13,000. Compared to NOWPayments or CoinPayments? Still saving $3,000+.

That's money staying in your business. Growing your operation. Compounding year after year.

Self-Custody: Why It Actually Matters

"Self-custody" gets thrown around a lot in crypto. Let's be specific about why it matters for merchants.

Traditional Payment Flow: Customer pays → Processor holds funds → Processor releases to you → Maybe days later

Larecoin Payment Flow: Customer pays → Funds arrive in your wallet → Done

No delays. No third-party risk. No frozen accounts. No surprise holds.

When CoinPayments holds your funds, you're exposed to their risk. Their policies. Their decisions about your money.

NOWPayments offers self-custody options, but with their fee structure layered on top.

Larecoin is self-custody native. Your keys. Your crypto. Your business.

LUSD Stablecoin: Volatility Solved

Crypto volatility scares merchants. Fair concern.

Accept Bitcoin at $50,000. Price drops to $48,000 before you convert. That's a 4% loss on top of any fees.

LUSD eliminates this problem entirely.

Larecoin's stablecoin maintains dollar parity. Accept payment. Hold value. Convert when you choose: or don't convert at all.

Zero volatility transactions. Price stability without leaving the crypto ecosystem.

NOWPayments and CoinPayments support various stablecoins. But LUSD is built natively into Larecoin's infrastructure. Optimized for merchant use cases. Seamless integration.

NFT Receipts: Beyond the Gimmick

NFT receipts sound like a buzzword. They're actually a game-changer for merchants.

Traditional receipts:

• Paper gets lost

• Digital files get deleted

• Disputes become he-said-she-said

NFT receipts:

• Immutable blockchain record

• Timestamped and verifiable

• Customer holds proof permanently

• Reduces chargeback disputes

• Creates audit trail automatically

Every transaction generates a permanent, verifiable record. Customer disputes? Check the blockchain. Tax documentation? Already recorded. Loyalty tracking? Built into the NFT metadata.

Neither NOWPayments nor CoinPayments offers this functionality. It's a Larecoin-exclusive feature that transforms transaction records into business assets.

Integration Reality Check

Fancy features mean nothing if setup takes weeks.

NOWPayments: Multiple integration options. API-heavy. Requires development resources.

CoinPayments: Shopping cart plugins available. More complex than necessary for basic implementations.

Larecoin: QR-based POS system. Merchant portal for management. Minimal technical overhead.

You can start accepting Larecoin payments in minutes. Generate QR code. Customer scans. Transaction completes. Funds arrive.

No complex API implementations. No lengthy onboarding. No waiting for approval from some compliance team.

The Verdict: Which Platform Actually Wins?

Let's be direct.

Choose NOWPayments if: You need 300+ cryptocurrency support and are comfortable with 0.5-1% fees as the cost of convenience.

Choose CoinPayments if: You're okay with custodial solutions and variable settlement times.

Choose Larecoin if: You want maximum fee reduction, true self-custody, instant settlement, and a payment system built for how crypto should actually work.

The numbers don't lie. Gas-only fees versus percentage-based processing? Larecoin wins on cost every time.

Instant settlement versus minutes-to-hours? Larecoin wins on speed.

Full self-custody versus intermediary models? Larecoin wins on financial sovereignty.

LUSD stability and NFT receipts? Features the competition simply doesn't offer.

Time to Make the Switch

Traditional interchange fees are a legacy tax on your business. Even "competitive" crypto processors still take their cut.

Larecoin built something different. A payment system where you keep what you earn. Where your funds are yours immediately. Where blockchain technology delivers on its original promise.

$13,000 saved annually over traditional processors. $3,000+ saved over other crypto options. Instant settlement. True ownership.

Ready to slash your interchange fees for real?

Join the Larecoin community and start accepting payments the way crypto was meant to work.

Your margins will thank you.