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

Merchant fees are killing your margins.

Traditional crypto payment processors charge 0.5–1% per transaction. Plus withdrawal fees. Plus conversion charges. Plus custody premiums.

The math gets ugly fast.

But there's a better way. Gas-only processing that slashes your fees by 50–83% depending on volume.

Let's break down the real numbers.

The Fee Structure Nobody Talks About

Most crypto POS systems hide their true costs behind "competitive rates" and tiered pricing.

Here's what you actually pay:

NOWPayments:

• 0.5–1% transaction fee

• Additional network costs

• Withdrawal fees on every payout

• Currency conversion charges

• Custodial infrastructure overhead

CoinPayments:

• 0.5–1% transaction fee

• Separate network fees

• Withdrawal charges

• FX conversion costs

• Third-party custody model

Larecoin:

• 0% transaction fee

• Gas-only costs (~$0.001–$0.02 on Solana)

• Zero withdrawal fees

• Free currency conversion

• Self-custody architecture

The difference? Percentage-based fees scale with your success. Gas fees stay flat.

Real Savings at Different Processing Volumes

Numbers don't lie. Here's what merchants actually pay annually:

$100K Annual Processing:

• NOWPayments/CoinPayments: $750–$1,000

• Larecoin: $300–$400

• You save: $350–$600 (50%+)

$500K Annual Processing:

• NOWPayments/CoinPayments: $2,500–$5,000

• Larecoin: Under $2,000

• You save: $500–$3,000 (60%+)

$1.2M Annual Processing:

• NOWPayments/CoinPayments: $6,000–$12,000

• Larecoin: ~$2,000

• You save: $4,000–$10,000 (67–83%)

$5M Annual Processing:

• NOWPayments/CoinPayments: $25,000–$37,500

• Larecoin: ~$5,000–$6,000

• You save: $19,000–$32,500 (80%+)

The savings accelerate as you grow. That's the power of fixed gas fees vs percentage-based pricing.

Why Traditional Crypto Processors Cost More

Legacy platforms built their infrastructure on percentage fees. They need that revenue to cover:

• Custodial wallet management

• Insurance and security overhead

• Conversion intermediaries

• Manual settlement processes

• Legacy banking integrations

Every transaction flows through multiple intermediaries. Each one takes a cut.

Larecoin eliminates the middlemen. Smart contracts handle settlements. Self-custody removes insurance costs. Solana's speed keeps gas fees microscopic.

The result? You keep more of what you earn.

The Self-Custody Advantage

NOWPayments and CoinPayments hold your funds. You request withdrawals. They approve. They charge fees. You wait.

Larecoin flips the model.

Your wallet. Your keys. Your funds. Always.

No withdrawal requests. No approval delays. No custody fees eating your profits.

Plus instant access to:

• LUSD stablecoin conversions

• Receivables tokenization

• NFT receipt generation

• Cross-chain bridging

All without asking permission from a third party.

NFT Receipts vs Traditional Record-Keeping

Here's where things get interesting.

Traditional processors send you CSV files. Maybe a dashboard. Reconciliation is manual. Tax season is hell.

Larecoin mints every transaction as an NFT receipt. Immutable. Timestamped. Verifiable on-chain.

Your accounting software reads blockchain data directly. No manual entry. No reconciliation nightmares. Instant audit trails.

Every transaction includes:

• Exact timestamp

• Payment amount in crypto and fiat

• Customer wallet address

• Product/service details

• Tax jurisdiction data

All stored permanently on Solana. Forever accessible. Never lost.

LUSD: The Stablecoin That Changes Everything

Price volatility kills crypto adoption. Accept Bitcoin. Watch it drop 10%. Lose margin.

LUSD solves this.

Decentralized stablecoin. Overcollateralized. No centralized issuer. No bank account freezes.

Merchants accept crypto. Instantly convert to LUSD. Lock in USD value. Zero volatility risk.

Then choose:

• Hold in LUSD

• Convert to fiat when ready

• Use for business payments

• Stake for yield

All without trusting a centralized stablecoin issuer like Circle or Tether.

Global Reach Without Banking Infrastructure

NOWPayments requires bank integration. CoinPayments needs traditional rails. Both limit your geographic reach.

Larecoin operates bank-free.

Accept payments from anywhere. No merchant account denials. No country restrictions. No "high-risk" industry discrimination.

Your customers pay directly to your self-custody wallet. Peer-to-peer. No intermediary approvals.

Perfect for:

• International merchants

• Underbanked markets

• Subscription businesses

• Digital product sellers

• Cross-border commerce

Receivables Tokenization for Cash Flow

Traditional crypto processors settle on their schedule. You wait for batch processing. Cash flow suffers.

Larecoin tokenizes receivables. Convert future payments into tradeable assets. Instant liquidity without waiting.

Need working capital? Sell receivables tokens. Get paid now. No loan applications. No credit checks.

Just instant access to your future revenue.

Technical Superiority Breakdown

Speed:

• NOWPayments/CoinPayments: 10–30 minute confirmations

• Larecoin (Solana): 400ms finality

Cost per transaction:

• NOWPayments/CoinPayments: $5–$50 on $1,000 payment

• Larecoin: $0.001–$0.02 regardless of amount

Settlement:

• NOWPayments/CoinPayments: Batch processing, manual withdrawals

• Larecoin: Instant to your wallet

Custody:

• NOWPayments/CoinPayments: Third-party control

• Larecoin: You control everything

Accounting:

• NOWPayments/CoinPayments: CSV exports, manual reconciliation

• Larecoin: On-chain NFT receipts, automated

The technical gap isn't small. It's massive.

The Bottom Line

Percentage-based fees made sense in 2017. Not anymore.

Blockchain technology matured. Solana proved sub-penny transactions work at scale. Smart contracts automated what used to require intermediaries.

Clinging to 1% fees is leaving money on the table. Your money.

Do the math on your annual processing volume. Calculate what you're paying now. Compare it to gas-only fees.

The difference funds your growth. Marketing budget. New inventory. Team expansion.

Or you can keep paying middlemen.

Your call.

Ready to Cut Your Fees?

Larecoin isn't just cheaper. It's better.

Self-custody. NFT receipts. LUSD stability. Instant settlements. Global reach. Bank-free operations.

Plus savings that scale with your success instead of punishing it.

Visit Larecoin to see how much you'll save at your processing volume.

The calculator doesn't lie. Neither do your profit margins.