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

The Real Cost of Crypto Payments

Percentage-based fees kill margins.

NOWPayments and CoinPayments charge 0.5-1% per transaction. Plus network costs. Plus withdrawal fees. Plus conversion charges.

Small businesses process hundreds of thousands annually. Those percentages add up fast.

Larecoin flips the model. Gas-only pricing. Zero platform fees. Merchants keep what they earn.

Let's run the numbers.

Fee Structure Breakdown

NOWPayments:

• 0.5-1% transaction fee

• Network costs on top

• Withdrawal penalties

• Currency conversion fees

• Custodial model (they control your funds)

CoinPayments:

• 0.5-1% transaction fee

• Blockchain fees separate

• Conversion costs

• Withdrawal fees

• Custodial setup (your keys, their vault)

Larecoin:

• Zero platform fees

• Only Solana gas (pennies per transaction)

• Self-custody from day one

• Direct settlement to your wallet

• No withdrawal fees (it's already your money)

The difference? Traditional crypto processors treat you like a bank account. Larecoin treats you like an independent business owner.

What This Means for Your Bottom Line

Coffee shop processing $500,000 annually:

• NOWPayments: $2,500-$5,000 in fees

• CoinPayments: $2,500-$5,000 in fees

• Larecoin: Under $2,000 in gas costs

• Annual savings: $1,500-$3,000

Mid-sized retail hitting $1 million:

• NOWPayments: $5,000-$10,000

• CoinPayments: $5,000-$10,000

• Larecoin: Under $2,000

• Annual savings: $3,000-$8,000

High-volume merchant doing $5 million:

• NOWPayments: ~$25,000

• CoinPayments: ~$25,000

• Larecoin: ~$5,000

• Annual savings: $20,000

Volume grows. Percentage fees scale. Gas costs don't.

That's the mathematical advantage of decentralization.

Feature Comparison: Beyond Just Fees

Feature	NOWPayments	CoinPayments	Larecoin
Settlement Speed	~5 minutes	Minutes to hours	Sub-second finality
Crypto Support	200-300+	2,000+	Solana ecosystem + LUSD
Fund Control	Custodial	Custodial	Self-custody
Dashboard	Basic lists	Standard portal	DAO-integrated with AI/ML
POS Hardware	API required	Third-party plugins	Integrated contactless
Merchant Governance	None	None	DAO participation
NFT Receipts	No	No	Automatic minting

Speed matters for in-store transactions. Solana's sub-second finality means customers aren't waiting around. No awkward silence at checkout.

Self-custody means control. NOWPayments and CoinPayments hold your private keys. They custody your funds. You're trusting intermediaries: the exact thing crypto was designed to eliminate.

Larecoin hands you the keys. Your wallet. Your funds. Your control.

The Self-Custody Advantage

Custodial platforms create dependency:

• They can freeze accounts

• They control withdrawal timing

• They add layers between you and your money

• They charge exit fees

Self-custody creates independence:

• Instant access to funds

• No approval needed for withdrawals

• Direct peer-to-peer payments

• True merchant freedom

Small businesses need flexibility. Cash flow crunches happen. Waiting 3-5 days for withdrawals kills opportunities.

Larecoin settles directly to your wallet. Immediately. No middleman approval required.

NFT Receipts: More Than Proof of Purchase

Every transaction generates an NFT receipt.

Not just a record. A programmable, tradeable asset.

Customers can:

• Prove purchase history

• Access warranty information

• Unlock loyalty rewards

• Resell limited edition receipts

Merchants can:

• Build on-chain customer relationships

• Create collectable receipt programs

• Verify transaction history permanently

• Integrate gamification

NOWPayments and CoinPayments? Basic transaction logs. Static. Boring. One-dimensional.

Larecoin turns receipts into engagement tools.

LUSD: Stability Without Volatility

Accepting crypto shouldn't mean currency risk.

Larecoin's LUSD integration provides dollar-pegged stability. Price volatility eliminated. Accounting simplified.

Customer pays in LUSD. You receive exact dollar value. No conversion guessing. No slippage surprises.

NOWPayments and CoinPayments offer stablecoin support. But they charge conversion fees. And withdrawal fees. And processing fees on top.

Larecoin's gas-only model applies to LUSD too. Stable payments. Stable costs. Predictable business operations.

Solana Speed vs Legacy Blockchain Delays

CoinPayments supports 2,000+ cryptocurrencies. Sounds impressive.

Until you realize most run on slow blockchains. Bitcoin takes 10+ minutes. Ethereum costs $5-50 in gas during peak times.

NOWPayments focuses on popular chains. Faster than CoinPayments. Still custodial. Still percentage-based.

Larecoin built on Solana:

• 400ms block times

• Sub-second finality

• Pennies in transaction costs

• 65,000 TPS capacity

In-store payments need speed. Online checkout needs reliability. Solana delivers both.

DAO Governance: Merchants Have a Voice

Traditional payment processors make unilateral decisions:

• Fee increases without warning

• Feature removals

• Policy changes

• Service modifications

Larecoin operates as a DAO. Token holders vote on:

• Platform upgrades

• Fee structures (if any are ever introduced)

• Feature prioritization

• Ecosystem direction

Merchants aren't just customers. They're stakeholders.

Use the platform. Hold LARE tokens. Influence development.

NOWPayments and CoinPayments? Top-down control. Take it or leave it.

Contactless POS Integration

Crypto payments need to match traditional payment ease.

Larecoin's contactless POS system:

• Tap-to-pay functionality

• QR code generation

• Mobile wallet integration

• Instant settlement confirmation

No complicated API integration. No third-party plugin hunting. Built-in hardware support.

NOWPayments requires API development. CoinPayments needs plugins. Both add technical complexity.

Larecoin simplifies. Plug in. Set up. Start accepting.

Real Merchant Freedom

Independence means options.

NOWPayments and CoinPayments lock merchants into their ecosystems. Want to switch? Migrate everything. Lose transaction history. Start fresh.

Larecoin's self-custody model provides portability:

• Your private keys work anywhere

• Transaction history lives on-chain forever

• Switch wallets anytime

• No platform dependency

Small businesses pivot. Markets change. Flexibility matters.

Centralized processors create switching costs. Larecoin eliminates them.

The Decentralization Promise Delivered

Crypto promised financial sovereignty. Most payment processors deliver rebranded PayPal.

Centralized control. Permission-based access. Percentage fees. Custodial models.

Larecoin actually delivers on crypto's core promise:

• True peer-to-peer transactions

• Self-custody always

• Permissionless payments

• Minimal fees

• No intermediary approval

Not marketing talk. Architecture reality.

Making the Switch

Current NOWPayments or CoinPayments user?

Calculate annual fees. Compare against Larecoin's gas-only model. Run your actual transaction volume.

Most merchants save 50-80%. Higher volume means bigger savings.

Set up takes minutes:

1. Create Larecoin merchant account

2. Connect Solana wallet (or create new)

3. Generate payment addresses

4. Start accepting

No lengthy approval process. No credit checks. No complicated KYC beyond regulatory requirements.

Join the Larecoin community today. Start saving immediately.

The Math Speaks Clearly

Percentage-based fees benefit processors. Gas-only fees benefit merchants.

NOWPayments and CoinPayments maximize their revenue. Larecoin maximizes yours.

Scale matters. Growth shouldn't mean exponentially higher costs.

Decentralization isn't just philosophy. It's practical economics.

Small businesses deserve crypto payments that actually save money. Not just shift which middleman takes a cut.

Welcome to merchant independence. Welcome to Larecoin.