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

Merchant fees are killing your margins.

Traditional crypto payment processors claim they're saving you money. Then they hit you with percentage-based fees, conversion charges, withdrawal penalties, and hidden network costs.

The math doesn't lie. You're still losing thousands, sometimes tens of thousands, annually.

Let's break down the actual numbers. NOWPayments, CoinPayments, and Larecoin all promise crypto payment solutions. Only one delivers 50-80% fee savings. The other two? Old models dressed in new tech.

The Real Cost of "Competitive" Crypto Payment Processors

NOWPayments Fee Structure:

• 0.5% for single-currency transactions

• 1% for multi-currency transactions

• Network fees on top

• Withdrawal fees

• Currency conversion charges

• Custodial model (they control your funds)

CoinPayments Fee Structure:

• 0.5-1% per transaction

• Separate blockchain fees

• Withdrawal penalties

• Conversion costs

• Custodial control

Both sound reasonable. Until you scale.

Larecoin's Gas-Only Model: The Game Changer

Larecoin Fee Structure:

• 0% platform fees

• Gas-only costs (Solana network)

• Fractions of a penny per transaction

• Self-custody from day one

• No conversion fees

• No withdrawal penalties

The difference? Larecoin doesn't take a cut. Ever.

You pay network costs. That's it. No middleman. No percentage shaved off every sale. No surprise charges at month-end.

Built on Solana. Lightning-fast transactions. Pennies in gas fees.

The Numbers Don't Lie: Real-World Savings Breakdown

Let's run the math for three merchant profiles.

Small Merchant: $500K Annual Processing

• NOWPayments: $2,500-$5,000 annually

• CoinPayments: $2,500-$5,000 annually

• Larecoin: Under $2,000 annually

Savings: 50-60%

Mid-Size Merchant: $1.2M Annual Processing

• NOWPayments: $9,000 annually

• CoinPayments: $6,000-$12,000 annually

• Larecoin: ~$2,000 annually

Savings: 67-83%

Enterprise Merchant: $5M Annual Processing

• NOWPayments: $25,000+ annually

• CoinPayments: $25,000+ annually

• Larecoin: ~$5,000 annually

Savings: 50-80%

The larger your volume, the more you save.

Scale up without scaling costs. That's the Larecoin advantage.

Self-Custody vs Custodial: Who Controls Your Money?

Here's what legacy processors don't advertise.

NOWPayments and CoinPayments hold your crypto. They're custodians. You trust them with your funds. They process. They hold. They release when you withdraw, minus fees.

Security risk. Counterparty risk. Regulatory risk.

Larecoin flips the model.

Self-custody from transaction one. Your wallet. Your keys. Your crypto.

No intermediary holding funds. No waiting for withdrawals. No trust required.

Web3 payments mean actual ownership. Not IOUs on a dashboard.

The Technical Edge: Why Solana Changes Everything

Larecoin runs on Solana. Not Ethereum. Not Bitcoin. Solana.

Why it matters:

• Sub-second finality

• 65,000+ TPS capacity

• Gas fees under $0.01

• No congestion delays

• Scalability without compromise

NOWPayments and CoinPayments support multiple chains. Sounds great. Until you realize they're processing on slower, more expensive networks, then charging you for it.

Ethereum gas fees? Still unpredictable. Bitcoin transaction times? Still slow.

Larecoin chose Solana for speed and cost. The network handles the volume. You pay fractions of pennies.

Beyond Fees: The Full Larecoin Merchant Advantage

Cutting fees by 50%+ is step one.

What else you get:

NFT Receipts Every transaction generates an NFT receipt. Immutable. Verifiable. Customer proof-of-purchase stored on-chain. No disputes. No chargebacks.

LUSD Stablecoin Support Price volatility worries gone. Accept LUSD (Larecoin USD) for stable, dollar-pegged payments. All the crypto benefits. None of the price swings.

Push-to-Card Integration Customers can pay crypto. You receive fiat directly to your card. Instant conversion. No extra steps.

AI-Powered Merchant Portal Track transactions, manage inventory, analyze customer behavior. All in one dashboard.

Multi-Currency Without Penalties Accept LARE, LUSD, SOL, or any supported token. No conversion fees. No currency switching charges.

Contactless POS Tap-to-pay crypto. In-store. Online. Metaverse. Seamless across all channels.

Explore the full ecosystem at larecoin.com.

Why Merchants Are Making the Switch

The migration is happening. Small businesses. E-commerce stores. Enterprise merchants.

They're leaving NOWPayments and CoinPayments for three reasons:

1. Fee Savings Are Immediate No waiting for volume discounts. No negotiating rates. 0% platform fees from transaction one.

2. Self-Custody Means Control Your business. Your money. No third-party holding funds or imposing withdrawal limits.

3. Future-Proof Technology Built on Solana. NFT receipts. DAO governance. AI integration. This isn't a payment processor. It's a Web3 financial infrastructure.

Traditional crypto processors are trying to fit Web3 into Web2 models. Custodial control. Percentage fees. Withdrawal restrictions.

Larecoin started Web3-native. The architecture reflects it. The fees prove it.

The Competitive Comparison Table

Feature	NOWPayments	CoinPayments	Larecoin
Platform Fee	0.5-1%	0.5-1%	0%
Network Fees	Separate charges	Separate charges	Gas-only (pennies)
Custody Model	Custodial	Custodial	Self-custody
NFT Receipts	No	No	Yes
Stablecoin Cards	Limited	Limited	LUSD + Push-to-card
Annual Cost ($1.2M volume)	$9,000	$6,000-$12,000	~$2,000
Savings vs Others	-	-	67-83%

The numbers tell the story. One platform charges 0%. Two don't.

Making the Switch: What to Expect

Migration takes hours. Not weeks.

The Process:

1. Set up your Larecoin merchant account

2. Connect your Solana wallet (or create one)

3. Generate payment links or integrate the POS

4. Start accepting crypto with 0% platform fees

No contracts. No commitments. No hidden terms.

You control when to switch. You control your funds. You control your savings.

Need help? The Larecoin community is active, responsive, and merchant-focused. Check out the forums, guides, and video tutorials at larecoin.com/trust.

The Financial Sovereignty Play

This isn't just about saving money.

It's about reclaiming control. Traditional payment processors: crypto or not: maintain the same power dynamic. They process. They hold. They charge. You comply.

Web3 payments flip the script. Merchant sovereignty. Customer sovereignty. Financial sovereignty.

Larecoin delivers that promise. Self-custody. Zero platform fees. On-chain verification. Transparent pricing.

Want deeper insights on reducing merchant fees? Read our complete guide: Reduce Merchant Interchange Fees: The Ultimate Guide to Web3 Global Payments in 2026.

The Bottom Line

NOWPayments charges 0.5-1% plus fees. CoinPayments charges 0.5-1% plus fees. Larecoin charges 0%.

At $500K volume, you save $500-$3,000 annually. At $1.2M volume, you save $4,000-$10,000 annually. At $5M volume, you save $20,000+ annually.

The choice is clear. Percentage-based fees or gas-only costs. Custodial control or self-custody. Web2 models or Web3 infrastructure.

50-80% savings aren't a marketing claim. They're math.

Ready to cut your merchant fees in half? Start with Larecoin today: larecoin.com.

The crypto payment revolution isn't coming. It's here. And it's saving merchants thousands.

Join the movement. Keep your margins. Own your future.