NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Gives Small Businesses Real Freedom?

Your money. Their control.

That's the traditional crypto payment processor model. NOWPayments and CoinPayments hold your funds, charge percentage fees that scale with your success, and add withdrawal penalties on top.

Small businesses deserve better.

Real freedom means you control your money from the moment it hits your wallet. No middleman. No percentage cuts. Just pure, decentralized crypto payments that work the way Web3 was designed.

The Real Cost of "Cheap" Processing Fees

NOWPayments and CoinPayments advertise competitive rates. But here's what they don't tell you upfront.

NOWPayments Standard Pricing:

• 0.5-1% transaction fee

• Network withdrawal fees

• Conversion charges for fiat

• Custodial hold on your funds

CoinPayments Fee Structure:

• 0.5-1% per transaction

• Blockchain network fees on top

• Withdrawal penalties when you want YOUR money

• They control the private keys

Larecoin's Approach:

• Zero platform fees

• Solana gas only (~$0.001-$0.02 per transaction)

• Immediate self-custody

• You hold the keys

Let's do the math on a real business scenario.

You process $500,000 annually in crypto payments. At NOWPayments' 0.75% rate, you're paying $3,750 in fees. Add network costs and withdrawal charges: you're easily hitting $4,000-$5,000.

With Larecoin? Under $2,000 in gas costs. Even at peak Solana network activity.

That's 50-60% savings. Every single year.

Scale that to $5 million in annual volume. Traditional processors hit you for $37,500-$50,000. Larecoin keeps you under $10,000.

The gap gets wider as you grow. Because percentage-based fees punish success.

Self-Custody Isn't Optional: It's Essential

Here's where most crypto payment processors fail the Web3 vision.

NOWPayments and CoinPayments operate custodial wallets. They hold your crypto. They control when you can withdraw. They add friction to accessing YOUR funds.

That's not crypto. That's just PayPal with extra steps.

Larecoin delivers true self-custody from transaction one.

Customer pays. Funds hit YOUR wallet. Instantly. No intermediary custody period. No withdrawal requests. No delays.

You can spend it, swap it, or hodl it. The choice is yours because the keys are yours.

This matters during market volatility. When you need to move fast. When you want to lock in gains or cut losses. With custodial services, you're at their mercy.

With Larecoin, you're sovereign.

NFT Receipts: The Future of Transaction Records

Traditional payment processors give you boring CSV exports and standard receipts.

Larecoin mints every transaction as an NFT receipt on Solana.

Why does this matter?

For Merchants:

• Immutable transaction history

• Built-in proof of payment

• Collectible marketing opportunities

• Loyalty program integration potential

For Customers:

• Verifiable purchase records

• No lost receipts

• Shareable proof of authenticity

• Gamified shopping experiences

Imagine offering limited-edition NFT receipts for your best customers. Or creating tiered membership NFTs based on purchase history. Or proving authenticity for high-value items with on-chain receipts.

NOWPayments and CoinPayments can't do this. They're stuck in Web2 thinking.

LUSD Stability Without Centralized Risk

Crypto payments face one major merchant objection: volatility.

Most processors solve this with centralized stablecoins (USDT, USDC) that carry regulatory and counterparty risk. Or they force immediate conversion to fiat with additional fees.

Larecoin integrates LUSD: the decentralized stablecoin from Liquity.

LUSD advantages:

• Fully decentralized (no corporate control)

• Over-collateralized by ETH

• No centralized freeze risk

• Censorship-resistant stability

Accept crypto. Hold LUSD. Zero volatility risk. Zero centralized control.

This gives you stability with sovereignty. The best of both worlds without sacrificing Web3 principles.

Settlement Speed: Solana vs Legacy Networks

NOWPayments settlement time: 5+ minutes (depends on blockchain)

CoinPayments confirmation time: Minutes to hours (Bitcoin can take 60+ minutes)

Larecoin on Solana: Sub-second finality

This isn't just about speed for speed's sake. Faster settlement means:

• Better customer experience at checkout

• Lower chargeback risk

• Immediate inventory management updates

• Real-time accounting accuracy

You can't run a modern retail operation waiting 30 minutes for payment confirmation. Customers won't wait. Neither should you.

What This Actually Means for Your Business

Strip away the tech jargon. Here's what matters.

With NOWPayments/CoinPayments:

• Percentage fees eat your margins

• They control your funds until you withdraw

• Additional charges for every action

• Standard transaction records

• Centralized points of failure

With Larecoin:

• Flat gas costs regardless of transaction size

• You control funds immediately

• No platform fees, ever

• NFT receipts with utility

• Decentralized, censorship-resistant

Your business grows. Traditional processors take bigger cuts. Larecoin's costs stay flat.

That's the difference between renting freedom and owning it.

The Independence Factor

Small businesses need every advantage. Big processors optimize for enterprise clients. They bundle unnecessary features. They charge accordingly.

Larecoin was built for merchants who want simple, powerful, decentralized payments without the overhead.

No account minimums. No volume requirements. No tiered pricing that punishes small operators.

Just connect your wallet. Start accepting crypto. Keep 99.99%+ of every transaction.

Getting Started Takes Minutes

NOWPayments and CoinPayments require account applications, KYC verification, and approval waiting periods.

Larecoin? Connect a Solana wallet. You're live.

No paperwork. No approval process. No waiting.

True permissionless payments the way crypto was meant to work.

The Choice Is Clear

If you want someone else holding your money, charging percentage fees, and controlling your access: traditional processors work fine.

If you want actual ownership, predictable costs, and Web3-native features: Larecoin is the only choice.

The technology exists. The savings are real. The freedom is tangible.

Stop paying middlemen to hold your funds. Start accepting crypto the decentralized way.

Your business. Your crypto. Your keys.

That's real freedom.