NOWPayments vs. CoinPayments vs. Larecoin: Which Crypto POS System for Small Business Actually Saves You Money?

The Real Cost of Accepting Crypto Payments

Small businesses are bleeding money on crypto payment fees.

Processing $500,000 annually? You're probably paying between $2,500 and $5,000 in transaction costs.

That's 0.5% to 1% straight off your bottom line.

The solution isn't what most merchants expect.

Let's break down what you're actually paying: and where you can slash those fees by 50% to 83%.

Fee Comparison: Where Your Money Actually Goes

NOWPayments charges 0.5% per transaction. Clean. Simple. Expensive at scale.

CoinPayments sits between 0.5% and 1%. More currencies. Higher fees. Same problem.

Larecoin operates on gas-only costs. Zero platform fees. Zero percentage cuts.

Here's the math that matters:

Annual Volume	NOWPayments/CoinPayments	Larecoin	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%

Scale changes everything.

At a million in annual volume, you're saving up to $8,000 with Larecoin's gas-only model.

That's capital you can reinvest. Marketing budget. Inventory. Growth.

Settlement Speed: Time Is Literally Money

Larecoin delivers sub-second finality on Solana.

Your funds arrive before you finish the transaction confirmation screen.

NOWPayments? Average 5 minutes per settlement.

CoinPayments? Between 10 and 60 minutes depending on network congestion.

Here's why speed matters for small businesses:

Faster settlement means faster access to working capital. You're not waiting hours for blockchain confirmations. You're moving inventory, paying suppliers, and managing cash flow in real-time.

Traditional crypto payment processors inherit legacy blockchain limitations. Larecoin built on Solana specifically to eliminate wait times.

The Custody Question: Who Actually Controls Your Money?

NOWPayments and CoinPayments use custodial models.

They hold your funds. You request withdrawals. They process them.

It's convenient. It's also risky.

Larecoin emphasizes self-custody wallets and direct settlement.

You control the private keys. Your funds never sit in a third-party account. Every payment lands directly in your wallet.

For crypto-native merchants, this isn't negotiable. You didn't get into crypto to hand control back to intermediaries.

For traditional merchants transitioning to crypto POS systems for small business operations, the learning curve is real: but so are the benefits of true financial sovereignty.

Cryptocurrency Support: More Isn't Always Better

CoinPayments supports 2,000+ cryptocurrencies.

NOWPayments covers 200-300+ options.

Larecoin focuses on the Solana ecosystem with bridge and swap interoperability.

Sounds limiting?

Consider this: 98% of crypto transactions happen in the top 20 tokens.

Your customers aren't paying with obscure altcoins. They're using Bitcoin, Ethereum, Solana, USDC, and a handful of major tokens.

Larecoin covers what actually matters while keeping costs near zero.

Plus, with integrated swap and bridge functionality, you can accept cross-chain payments without the bloat of supporting every token ever minted.

NFT Receipts: The Accounting Game-Changer

Here's where Larecoin separates from the pack.

Every transaction generates a blockchain-verified NFT receipt.

Permanent. Immutable. Auditable.

Why this matters for small business accounting:

• Tax documentation you can't lose or forge

• Instant dispute resolution with cryptographic proof

• Automated reconciliation for accounting software

• Regulatory compliance built into every transaction

NOWPayments and CoinPayments provide transaction logs. Larecoin provides cryptographic proof of every sale, refund, and interaction.

The difference shows up during tax season and audits.

LUSD Stablecoin: The Volatility Solution

Crypto volatility kills merchant adoption.

You accept Bitcoin at $50,000. It drops to $45,000 before you convert to fiat.

Larecoin integrates LUSD stablecoin benefits directly into the payment flow.

Customers pay in any supported crypto. You receive stable value. Zero exposure to market swings.

It's the best of both worlds: crypto's low fees and stablecoins' predictable value.

NOWPayments and CoinPayments offer similar stablecoin support: but they're still charging percentage-based fees on every conversion.

Use Case Scenarios: Which Platform Fits Your Business?

Choose NOWPayments or CoinPayments if you:

• Need extensive fiat conversion options

• Want multi-currency support across thousands of tokens

• Require advanced AML compliance monitoring

• Prefer managed services over wallet management

• Need turnkey integration with existing e-commerce platforms

They're built for merchants who want convenience and don't mind paying for it.

Choose Larecoin if you:

• Want to reduce merchant interchange fees by 50% or more

• Are comfortable managing self-custody merchant accounts

• Prioritize speed with sub-second settlement

• Need NFT receipts for accounting and dispute resolution

• Want true Web3 global payments without intermediaries

Larecoin is built for the crypto-native merchant who understands that low fees compound into significant savings.

The Hidden Costs Nobody Talks About

Monthly minimums. Some processors charge them. Larecoin doesn't.

Withdrawal fees. Custodial platforms charge to access your own money. Self-custody eliminates this entirely.

Conversion spreads. The difference between what you receive and market rates can exceed stated fees.

Integration costs. Complex APIs and plugins add development time and ongoing maintenance.

Larecoin's gas-only model means you see every cost upfront. No hidden fees. No surprise deductions.

Making the Decision: Total Cost of Ownership

Calculate your actual costs over 12 months:

Annual volume × platform fee percentage + withdrawal fees + conversion spreads + integration maintenance

For most small businesses processing $500K+ annually, Larecoin delivers 50-83% savings.

That's not marketing. That's math.

Getting Started: Next Steps

For NOWPayments or CoinPayments:

1. Sign up for merchant account

2. Complete KYC verification

3. Integrate API or plugins

4. Configure currency preferences

5. Start accepting payments

For Larecoin:

1. Set up self-custody wallet

2. Connect to Larecoin merchant portal

3. Configure receivables token preferences

4. Deploy contactless POS or online checkout

5. Start receiving sub-second settlements

The learning curve is steeper with self-custody. The savings justify the effort.

The Bottom Line on Crypto POS Systems for Small Business

NOWPayments and CoinPayments solve the convenience problem. Managed services. Multi-currency support. Familiar custodial model.

Larecoin solves the cost problem. Gas-only fees. Sub-second settlement. Self-custody control.

Your choice depends on your priorities.

Want turnkey convenience? Go with established processors and pay the premium.

Want to maximize savings and embrace Web3 global payments? Larecoin delivers on the original crypto promise: peer-to-peer transactions without expensive intermediaries.

For small businesses operating on tight margins, 50-83% fee reduction isn't optional. It's survival.

The question isn't whether crypto payments make sense. It's which system lets you keep more of what you earn.

Learn more about reducing merchant interchange fees and implementing self-custody merchant accounts at larecoin.com.