NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Saves Small Businesses the Most?

Every transaction fee eats into your profit margin.

For small businesses processing crypto payments, choosing the wrong POS system means watching thousands of dollars disappear annually. Not in chargebacks. Not in fraud. In pure platform fees.

Let's break down exactly what NOWPayments, CoinPayments, and Larecoin actually cost: and which one puts the most money back in your pocket.

The Fee Structure Reality Check

Most crypto payment processors advertise "low fees" without showing you the full picture.

Here's what you're actually paying:

NOWPayments: 0.5-1% per transaction + network fees + withdrawal charges + currency conversion costs

CoinPayments: 0.5-1% per transaction + blockchain fees + conversion fees

Larecoin: Zero platform fees. You only pay Solana network costs (typically pennies per transaction)

That difference compounds fast. Really fast.

NOWPayments: The Custodial Middle Ground

NOWPayments supports 200-300+ cryptocurrencies. Impressive range.

But here's the catch: they hold your funds. Custodial architecture means your crypto sits in their wallets until you withdraw.

Settlement takes around 5 minutes under normal conditions. Longer during network congestion.

The 0.5-1% platform fee applies to every single transaction. Process $500,000 annually? You're paying $2,500-$5,000 just in platform fees before network costs.

Add withdrawal fees. Add conversion charges if you're settling to fiat. Add waiting for their internal processing.

Your margins shrink quickly.

CoinPayments: Maximum Coin Support, Maximum Fees

CoinPayments boasts 2,000+ supported cryptocurrencies.

Sounds great until you realize most merchants only need 5-10 coins maximum.

Same custodial model as NOWPayments. Your crypto lives in their system until you pull it out.

Same fee structure: 0.5-1% platform fee + blockchain costs + conversion expenses.

Settlement varies from minutes to hours depending on blockchain congestion. Less predictable for merchants needing consistent cash flow.

At $1 million in annual volume, you're paying $5,000-$10,000 in platform fees alone. Before blockchain costs. Before conversions.

That's a new employee's salary disappearing into transaction processing.

Larecoin: The Gas-Only Revolution

Zero platform fees changes everything.

Larecoin runs on Solana: one of the fastest, cheapest blockchains available. Transactions settle in 2-3 minutes with sub-second finality.

You pay only the actual network cost. No middleman percentage. No withdrawal fees. No conversion charges if you're staying in crypto.

Built on a self-custody model. Your funds go directly to your wallet. Instantly. No waiting for a custodian to release your money.

Plus NFT receipts for every transaction. Permanent, verifiable proof of purchase stored on-chain. CoinPayments and NOWPayments can't match that.

And LUSD integration gives you stablecoin settlement options without the volatility risk other platforms force on merchants.

Real Numbers: Annual Cost Comparison

Let's run the math at different business sizes.

$500,000 Annual Processing Volume:

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

• Larecoin: Under $2,000 (gas only)

• Savings: 50-60%

$1 Million Annual Volume:

• NOWPayments/CoinPayments: $5,000-$10,000

• Larecoin: Under $2,000

• Savings: 67-83%

$5 Million Annual Volume:

• NOWPayments/CoinPayments: ~$25,000

• Larecoin: ~$5,000

• Savings: 80%

The larger you grow, the more you save. Your competitors using traditional crypto processors are subsidizing their payment platforms while you pocket the difference.

Self-Custody vs Custodial: Why It Matters

Custodial platforms like NOWPayments and CoinPayments hold your crypto.

They control when you can withdraw. They set the fees for moving funds. They decide settlement timing.

If their platform goes down, your money is locked. If they face regulatory pressure, your funds are at risk. If they implement new withdrawal limits, you're stuck complying.

Self-custody with Larecoin means instant access. Your wallet. Your keys. Your control.

Funds settle directly to your address the moment a customer pays. No intermediary holding period. No withdrawal requests. No waiting.

Merchant independence matters. Especially when traditional payment processors freeze crypto accounts without warning.

Settlement Speed Showdown

NOWPayments: ~5 minutes average. Can stretch longer during high network activity.

CoinPayments: Minutes to hours depending on blockchain congestion and coin selection. Bitcoin transactions might take 30+ minutes during peak periods.

Larecoin: 2-3 minutes with Solana's sub-second finality. Consistent regardless of transaction volume.

Fast settlement means better cash flow. Especially for small businesses operating on tight margins where every hour counts.

NFT Receipts: The Larecoin Edge

Neither NOWPayments nor CoinPayments offer NFT receipts.

Every Larecoin transaction generates a permanent, on-chain receipt stored as an NFT. Customers get verifiable proof of purchase. Merchants get immutable records for accounting and disputes.

Want to track loyalty points? Issue special rewards for repeat customers? Create exclusive access based on purchase history?

NFT receipts make it possible. All built into the payment flow.

Traditional processors can't compete with blockchain-native innovation.

LUSD: Stablecoin Settlement Without Platform Fees

Crypto volatility scares merchants. Fair concern.

Larecoin integrates LUSD: a decentralized stablecoin pegged to USD. Accept crypto, settle in stable value.

No conversion fees eating into your margins. No custodian controlling your stablecoin holdings. Direct settlement to your wallet in LUSD if you want stable purchasing power.

NOWPayments and CoinPayments charge conversion fees every time you switch from volatile crypto to stable assets. Those fees add up across thousands of transactions.

Larecoin's ecosystem approach means seamless LUSD integration without platform percentage cuts.

Who Actually Wins for Small Businesses?

If you process under $100,000 annually, all three platforms work reasonably well. Fee differences matter less at smaller volumes.

Between $100,000-$500,000? Larecoin starts pulling ahead. You're saving thousands annually in platform fees alone.

Above $500,000? It's not even close. Larecoin's gas-only model saves 50-80% compared to NOWPayments and CoinPayments.

Add in self-custody benefits. Add NFT receipt innovation. Add LUSD stablecoin flexibility. Add Solana's speed advantage.

The decision becomes obvious.

The Bottom Line

Small businesses need every dollar.

Paying 0.5-1% platform fees on every transaction is optional. Not mandatory.

NOWPayments and CoinPayments follow the traditional processor model: take a cut, control your funds, charge withdrawal fees.

Larecoin flips the script. Gas-only pricing. Self-custody architecture. NFT receipts. LUSD integration. Faster settlement.

Your crypto. Your wallet. Your control.

The savings speak for themselves. Process $1 million annually and pocket an extra $5,000-$8,000. Every year. Automatically.

Ready to stop subsidizing your payment processor? Explore Larecoin's merchant solutions and see exactly how much you're leaving on the table.