NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System for Small Business Actually Cuts Your Fees?

The Fee Problem Every Merchant Faces

Small businesses lose thousands yearly to payment processor fees.

Credit card processors? 2.9% + $0.30 per transaction. PayPal? Same racket.

You thought crypto would fix this.

Then you discovered NOWPayments and CoinPayments charge 0.5-1% per transaction. Plus network fees. Plus withdrawal penalties. Plus conversion costs.

Still bleeding money.

There's a better way.

The Real Numbers: Fee Breakdown

Let's cut through the marketing BS.

Feature	NOWPayments	CoinPayments	Larecoin
Platform Fee	0.5-1% per transaction	0.5-1% per transaction	0% (gas only)
Network Fees	Variable (separate)	Variable (separate)	Solana gas (pennies)
Withdrawal Fees	Yes	Yes	No
Monthly Minimums	None	None	None
Self-Custody	No (custodial)	No (custodial)	Yes (full control)

Notice the pattern?

Traditional crypto POS systems for small business treat you like a cash cow. Percentage-based fees that scale with YOUR success.

The more you earn, the more they take.

Real-World Processing Scenarios

Small Boutique ($500K Annual Volume)

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

• Larecoin: Under $2,000 in gas costs

• Your Savings: 50-60% ($1,500-$3,000)

Growing Restaurant ($1.2M Annual Volume)

• NOWPayments: ~$9,000

• CoinPayments: $6,000-$12,000

• Larecoin: ~$2,000

• Your Savings: 67-83% ($4,000-$10,000)

Established Retailer ($5M Annual Volume)

• NOWPayments/CoinPayments: ~$25,000

• Larecoin: ~$5,000

• Your Savings: 50-80% ($20,000)

Run those numbers over 3 years.

Processing $100K monthly? NOWPayments bleeds you for $28,000-$31,000. Larecoin's gas costs? Around $7,000.

That's $21,000-$24,000 back in your pocket.

The Self-Custody Advantage Nobody Talks About

Here's what NOWPayments and CoinPayments won't tell you:

They hold your money.

Custodial systems mean your funds sit in their wallets until withdrawal. You're trusting a third party with your revenue.

Sound familiar? That's literally what banks do.

Larecoin delivers full self-custody merchant accounts.

Every payment lands directly in YOUR wallet. No intermediary. No waiting for payouts. No account freezes.

You control the keys. You control the funds.

This isn't just philosophy: it's practical business protection. No processor can lock you out of your own money.

Hidden Costs They Hope You Ignore

Currency Conversion Nightmares

Accept Bitcoin but need USD? NOWPayments and CoinPayments charge conversion fees on top of their platform percentage.

Stack those costs:

• Platform fee: 0.5-1%

• Network fee: Variable

• Conversion fee: 0.5-1%

• Withdrawal fee: $25-50

Suddenly that "competitive" rate looks expensive.

Withdrawal Penalties

Both platforms charge withdrawal fees. Want your money in your personal wallet? Pay up.

Small withdrawals get destroyed by fixed fees. Large withdrawals still sting with percentage-based charges.

Larecoin? Gas-only model means you already own your funds. No withdrawal concept exists.

NFT Receipts for Accounting: The Game-Changer

Traditional crypto POS systems give you transaction IDs.

Cool. Now hire someone to track them all.

Larecoin generates NFT receipts automatically.

Each transaction mints a permanent, blockchain-verified receipt as an NFT. Immutable proof of purchase. Perfect for:

• Tax accounting (IRS loves permanent records)

• Inventory reconciliation

• Customer returns/exchanges

• Audit trails

• Business valuations

Your accountant will thank you. Your tax prep time drops by hours.

NOWPayments alternative? Manual CSV exports and spreadsheet hell.

CoinPayments alternative? Same outdated approach.

LUSD Stablecoin Benefits for Merchants

Price volatility kills crypto adoption for small business.

Accept Bitcoin at $45K. Price drops to $42K before you convert. Lost 6.6% instantly.

Larecoin integrates LUSD stablecoin benefits natively.

LUSD maintains dollar parity without centralized control. Unlike USDC (Circle can freeze) or USDT (Tether transparency concerns), LUSD runs on decentralized collateral.

Stable value. Decentralized infrastructure. Zero counterparty risk.

Accept crypto. Hold stable value. Convert on your timeline: not because price is crashing.

The Solana Advantage: Why Gas Matters

NOWPayments and CoinPayments support multiple chains.

Ethereum gas? $10-50 per transaction during peak times. Bitcoin fees? $2-20 depending on network congestion.

Those "variable network fees" destroy small transactions. $15 coffee with $8 network fee? Not viable.

Larecoin runs on Solana.

Average transaction cost: $0.00025. That's pennies. Not dollars.

Process 10,000 transactions:

• Ethereum-based: $10,000-$50,000 in gas

• Bitcoin-based: $20,000-$200,000 in fees

• Solana-based: $2.50 in gas

The math speaks for itself.

Web3 Global Payments Without Borders

NOWPayments and CoinPayments handle international transactions.

But they're still intermediaries. Compliance layers. KYC requirements. Geographic restrictions.

Larecoin enables true Web3 global payments.

Customer in Tokyo pays your New York store. Funds arrive in 400 milliseconds. No currency conversion. No international wire fees. No bank delays.

Financial sovereignty for small business means accepting payments from anywhere, converting to any currency, and maintaining full control.

No gatekeepers. No permission required.

Traditional systems can't compete with decentralized infrastructure.

The Receivables Token Innovation

Here's something NOWPayments and CoinPayments can't touch:

Larecoin's receivables token system.

Turn outstanding invoices into tradeable tokens. Businesses can:

• Sell invoices for immediate liquidity

• Use receivables as collateral

• Create secondary markets for B2B payments

Small business cash flow problems? Solved.

Rather than waiting 30-60-90 days for invoice payment, tokenize the receivable and sell it at a discount for instant cash.

DeFi meets traditional business needs. This is how you reduce merchant interchange fees at the fundamental level: by eliminating the need for traditional invoice financing entirely.

Who Actually Wins This Comparison?

Choose NOWPayments if:

• You're okay with custodial control

• Percentage-based fees don't concern you

• Manual accounting works fine

• You love paying withdrawal fees

Choose CoinPayments if:

• Same as above but with different branding

• You enjoy slightly different fee structures

• Custodial systems give you comfort

Choose Larecoin if:

• Cutting fees by 50-80% matters to your bottom line

• Self-custody and financial sovereignty align with your values

• NFT receipts for accounting sound like the future

• LUSD stablecoin benefits protect you from volatility

• You want a true NOWPayments alternative that doesn't replicate their fee model

• Growing your business means keeping more of what you earn

The decision isn't complicated.

Traditional crypto payment processors copied the legacy payment system: just with crypto instead of credit cards.

Larecoin rebuilt the entire model from first principles.

Making the Switch

Ready to slash your payment processing costs?

Visit Larecoin to set up your merchant account.

No percentage fees. No withdrawal penalties. No custodial control.

Just fast, cheap, self-custody payments that let you keep what you earn.

Your competitors are already making the switch. Don't let fee-hungry intermediaries eat your profits while you wait.

The future of merchant payments isn't finding the cheapest percentage. It's eliminating percentages entirely.

That's the Larecoin difference.