NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System for Small Business Actually Reduces Merchant Interchange Fees?

The Hidden Cost of "Low Fee" Crypto Payment Processors

Small business owners switching to crypto payments think they're escaping traditional credit card fees.

They're wrong.

Most crypto POS systems charge 0.5-1% per transaction plus network fees. Sound familiar? That's because you're still paying percentage-based fees that scale with your success.

The bigger your business grows, the more you pay.

Let's break down what NOWPayments, CoinPayments, and Larecoin actually cost when processing real-world transaction volumes.

The Fee Structure Nobody Talks About

NOWPayments: 0.5% transaction fee + network costs + conversion fees

CoinPayments: 0.5-1% transaction fee + withdrawal fees + network costs

Larecoin: Gas fees only. Zero platform percentage.

That third option? It's not a typo.

Larecoin eliminates the percentage-based merchant fee entirely. You pay blockchain network costs: typically under $0.50 per transaction on Solana: and nothing else.

No platform cut. No hidden conversion fees. No withdrawal minimums.

Real Savings: The Numbers Small Businesses Actually Care About

Here's what these fee structures mean for your bottom line:

Annual Processing Volume	NOWPayments/CoinPayments Cost	Larecoin Cost	Your Savings
$500,000	$2,500-$5,000	Under $2,000	50-60%
$1,000,000	$5,000-$10,000	Under $2,000	67-83%
$5,000,000	~$25,000	~$5,000	80%

A million-dollar business saves $8,000 annually by switching from traditional crypto payment processors to Larecoin.

That's real money. Not marketing fluff.

Why Percentage Fees Kill Small Business Growth

Percentage-based pricing creates a perverse incentive structure.

Your payment processor makes more money when you make more money. Sounds fair until you realize they provide the exact same service whether you process $1,000 or $1,000,000.

A $50 transaction costs the same blockchain resources as a $50,000 transaction. The network doesn't care about your invoice size.

Traditional crypto processors like NOWPayments and CoinPayments inherited the credit card model: extract value proportional to transaction size.

Larecoin built a Web3 global payments system that charges for actual resources consumed.

Gas fees. That's it.

The Self-Custody Advantage Most Merchants Miss

Here's what NOWPayments and CoinPayments don't advertise:

They hold your money.

Both platforms use custodial wallets. Your crypto sits on their infrastructure until you request a withdrawal. They control when, how, and for what minimum amounts you can access your own funds.

Larecoin uses self-custody merchant accounts.

Payments settle directly to your wallet. Sub-second finality on Solana infrastructure. No withdrawal requests. No waiting periods. No minimum balance requirements.

You control your money from the moment a customer pays.

This isn't just about convenience. It's about financial sovereignty. When a platform controls your receivables, they control your business operations.

NFT Receipts: The Accounting Automation Nobody Expected

Traditional crypto processors give you transaction IDs and CSV exports.

Larecoin mints NFT receipts for every transaction.

Each receipt contains:

• Transaction details

• Customer information

• Product/service data

• Timestamp and blockchain proof

• Tax jurisdiction data

These programmable receipts integrate directly with accounting software. Your bookkeeper imports NFTs instead of manually entering transaction data.

NFT receipts for accounting aren't just a tech flex. They're verifiable, immutable financial records that survive platform shutdowns, data breaches, and human error.

LUSD Stablecoin: Price Stability Without Custodial Risk

Crypto volatility terrifies small business owners.

Most merchants using NOWPayments or CoinPayments immediately convert to fiat: paying conversion fees on top of transaction fees.

Larecoin supports LUSD stablecoin natively. Decentralized, over-collateralized, and pegged to USD without a central issuer.

You get price stability without trusting a custodian. No conversion fees. No waiting for bank deposits.

LUSD stablecoin benefits extend beyond stability. The entire Liquity protocol is immutable smart contracts. No CEO can freeze your funds. No company can change the rules.

Settlement Speed: When Your Money Actually Becomes Your Money

NOWPayments: Approximately 5 minutes for Bitcoin confirmations, longer for other chains

CoinPayments: Minutes to hours depending on blockchain congestion

Larecoin: Sub-second finality on Solana

Fast settlements mean better cash flow management. You don't wait for confirmations to restock inventory or pay suppliers.

For brick-and-mortar businesses, sub-second settlement means customers don't stand at checkout waiting for blockchain confirmations.

Speed matters when you're operating a crypto POS system for small business with physical foot traffic.

The Receivables Token Innovation

Larecoin introduced something neither NOWPayments nor CoinPayments offer: receivables tokens.

Businesses can tokenize outstanding invoices and trade them for immediate liquidity. Your B2B payment terms become tradeable assets.

Net-30 invoice? Sell the receivable token at a discount for instant cash.

This creates an entirely new financial instrument for small business liquidity management: without banks, factoring companies, or traditional lending.

What About Cryptocurrency Support?

CoinPayments supports 2,000+ cryptocurrencies. NOWPayments offers 200+. Larecoin focuses on Solana ecosystem assets with cross-chain bridge capabilities.

Sounds limiting until you check the data.

98% of crypto payments occur in:

• Bitcoin

• Ethereum

• Stablecoins (USDC, USDT, LUSD)

• Top-20 altcoins

Larecoin supports all of them.

The other 1,980 cryptocurrencies CoinPayments accepts? They represent less than 2% of actual payment volume.

You don't need obscure altcoin support. You need low fees and fast settlement.

The Trade-Off: Complexity vs. Savings

NOWPayments and CoinPayments offer plug-and-play integrations with extensive documentation.

Larecoin requires understanding Web3 wallets, blockchain concepts, and self-custody security.

Is learning curve worth 50-80% cost savings?

For businesses processing $500K+ annually? Absolutely.

For a coffee shop doing $5K monthly in crypto? The juice might not be worth the squeeze.

Evaluate your technical capacity and transaction volume honestly.

Bank-Free Business Operations

Traditional crypto processors bridge Web3 and legacy banking. Convenient but expensive.

Larecoin enables genuinely bank-free business operations.

Accept LUSD payments. Pay suppliers in crypto. Tokenize receivables. Manage liquidity through DeFi protocols.

Never touch a bank account. Never pay wire fees. Never wait for international transfers.

This is financial sovereignty. Not the marketing kind: the actual elimination of intermediaries from your payment stack.

Making the Switch: What Small Businesses Need to Know

Migrating payment infrastructure is painful. Here's what matters:

For NOWPayments users: You'll lose the extensive altcoin support but gain self-custody and eliminate percentage fees.

For CoinPayments merchants: You'll need to educate customers on fewer payment options but slash transaction costs by 60-80%.

For both: You'll control your funds immediately instead of requesting withdrawals.

The math is simple. Calculate your annual processing volume. Multiply by 0.5-1%. That's your current cost.

Compare it to gas fees (typically $500-$2,000 annually regardless of volume).

The Bottom Line

NOWPayments and CoinPayments work well for enterprises prioritizing maximum cryptocurrency support over cost efficiency.

Larecoin works well for small businesses prioritizing reduced merchant interchange fees over plug-and-play convenience.

Choose based on your business model:

• Processing $500K+? Larecoin saves meaningful money.

• Need 200+ cryptocurrency options? Stick with NOWPayments/CoinPayments.

• Want self-custody and financial sovereignty? Larecoin is built for it.

• Prefer custodial platforms handling complexity? Traditional processors fit better.

The best crypto POS system for small business depends on whether you value convenience or cost savings more.

For most high-volume merchants? The 50-80% fee reduction makes the technical learning curve worthwhile.

Ready to see how much you'd save? Check out Larecoin's merchant solutions and calculate your actual costs.

The interchange fee revolution isn't coming. It's already here.