NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Cuts Your Fees by 50%+?

Merchant fees are bleeding businesses dry.

Traditional credit card processors take 2.9% plus $0.30 per transaction. Even crypto payment processors claim to be "better" while charging 0.5-1% per transaction.

But here's what most merchants don't realize: percentage-based fees compound with volume. The more you process, the more you pay.

There's a different model now. One that scales without destroying your margins.

The Three Contenders: What You're Actually Paying

Let's cut through the marketing fluff. Here's what these platforms actually cost when you run the numbers.

NOWPayments Fee Structure

• 0.5% for single-currency transactions

• 1% when converting between cryptocurrencies

• Network fees on top (varies by blockchain)

• Withdrawal charges when moving funds out

• Conversion markups when settling to fiat

A merchant processing $500K annually pays roughly $2,500-$5,000 in platform fees alone. Add network costs, and you're closer to $6,000-$8,000.

CoinPayments Fee Breakdown

• 0.5-1% per transaction depending on volume

• Blockchain network fees

• Withdrawal penalties when transferring funds

• Conversion costs if you need different currencies

• Additional charges for instant settlements

Same $500K merchant? You're looking at $2,500-$5,000 in base fees, plus another $2,000-$3,000 in ancillary costs.

Larecoin's Gas-Only Model

• Zero platform fees

• Solana gas costs: $0.001-$0.02 per transaction

• No withdrawal charges (you control the wallet)

• No conversion markups (you hold the crypto)

• Self-custody architecture

That same $500K merchant pays under $2,000 annually. Total.

The Math That Changes Everything

Let's run real numbers at different processing volumes.

$500K Annual Processing:

• NOWPayments/CoinPayments: $2,500-$5,000 in fees

• Larecoin: ~$1,800 in gas costs

• Your savings: 52-64%

$1.2M Annual Processing:

• NOWPayments/CoinPayments: ~$9,000 in fees

• Larecoin: ~$2,000 in gas costs

• Your savings: 78%

$5M Annual Processing:

• NOWPayments/CoinPayments: $25,000+ in fees

• Larecoin: ~$5,000-$6,000 in gas costs

• Your savings: 80%

The difference? Percentage-based fees scale linearly with your growth. Gas fees don't.

Process $1,000 or $1,000,000 on Solana: the transaction cost remains under $0.02.

Why Self-Custody Matters for Merchants

Here's what most crypto payment processors don't tell you: they're custodial.

Your funds sit in their wallets. They control when you can withdraw. They set conversion rates. They add fees at every step.

Larecoin flips this model.

You control the wallet. You decide when to convert. You set your own terms. No intermediary taking a cut of every transaction.

This isn't just about fees: it's about financial sovereignty. When you process payments through NOWPayments or CoinPayments, you're still dependent on a third party. Bank account frozen? Platform decides to close your merchant account? You're done.

Learn more about financial sovereignty in Web3 payments.

NFT Receipts: The Accounting Advantage Nobody Talks About

Every Larecoin transaction generates an NFT receipt.

Not for novelty. For compliance.

These blockchain-based receipts provide:

• Immutable transaction records

• Automatic reconciliation

• Simplified tax reporting

• Customer proof of purchase

• Zero storage costs

Try getting that level of accounting automation from traditional processors. Or NOWPayments. Or CoinPayments.

Your bookkeeper will thank you. Your auditor will thank you. Your tax accountant will definitely thank you.

LUSD Stablecoin: Volatility Protection Without Conversion Fees

Crypto volatility keeps merchants up at night.

Accept Bitcoin, watch it drop 15% overnight, suddenly your margins are gone.

Most platforms solve this by offering instant conversion to fiat: for a fee. CoinPayments charges extra. NOWPayments takes a spread. Both add conversion markups.

Larecoin offers LUSD integration.

A decentralized, algorithmic stablecoin that maintains dollar parity without centralized backing. Accept payment in any crypto, hold value in LUSD, zero conversion fees.

No bank account needed. No settlement delays. No percentage taken off the top.

Who Each Platform Is Actually For

Choose NOWPayments if:

• You need extensive altcoin support

• Custodial solutions don't bother you

• You're okay with percentage-based fees

• Platform withdrawals to bank accounts are essential

Choose CoinPayments if:

• You want a proven legacy platform

• Volume discounts matter (though still percentage-based)

• You need extensive API integrations

• Custodial wallets are acceptable

Choose Larecoin if:

• You want to reduce merchant interchange fees by 50-80%

• Self-custody and financial sovereignty matter

• You're processing significant volume (or planning to scale)

• NFT receipts for accounting appeal to you

• You prefer gas-only costs over percentage fees

• Bank-free business operations align with your vision

The Scale Question: When Larecoin Becomes Unbeatable

Small merchants often don't see the difference. Processing $50K annually? The fee difference might be $200-$400.

But businesses scale. And percentage-based fees don't.

A coffee shop processing $200K sees $1,000 in annual savings. A mid-size retail operation doing $2M saves $15,000+. An e-commerce store hitting $10M annually? We're talking $70,000-$80,000 in saved fees.

That's hiring another employee. Expanding inventory. Opening a second location. Reinvesting in growth instead of feeding payment processors.

Setting Up Your Larecoin Merchant Account

The technical barrier is lower than you think.

1. Connect your self-custody wallet

2. Integrate the Larecoin POS system

3. Start accepting payments

4. Hold in crypto or convert to LUSD

5. Withdraw whenever you want (no waiting periods)

No lengthy approval process. No credit checks. No minimum processing requirements.

Your business, your wallet, your control.

The Real Cost of "Cheap" Payment Processing

NOWPayments advertises 0.5% fees. Sounds reasonable.

Until you add network fees. Withdrawal charges. Conversion spreads. Settlement delays. Custodial risk.

CoinPayments boasts established infrastructure. True.

But that infrastructure still takes 0.5-1% of every transaction. Forever. Regardless of your volume.

The "cheap" option compounds into expensive over time.

Future-Proofing Your Payment Infrastructure

Web3 isn't coming. It's here.

Merchants accepting only fiat are limiting their customer base. But merchants accepting crypto through custodial platforms are just swapping one intermediary for another.

Larecoin represents the next phase: truly decentralized, merchant-controlled, Web3 global payments.

No banks. No processors taking a cut. No third parties controlling your funds.

Just you, your customers, and a payment rail that costs pennies instead of percentages.

Making the Switch

Current NOWPayments or CoinPayments user?

Migration is straightforward. Most merchants complete the transition in under 48 hours.

The fee savings start immediately. The control is instant. The scalability is built-in.

Calculate your annual processing volume. Run the numbers against your current fees. The math doesn't lie.

For most merchants processing over $200K annually, Larecoin delivers 50%+ fee reduction in year one. Scale to $1M+? You're looking at 70-80% savings.

That's real money. Money that stays in your business instead of disappearing into processing fees.

Ready to stop overpaying for payment processing? Explore Larecoin's crypto POS system and see what your business has been leaving on the table.