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

Small business owners throw away thousands every year on payment processing fees.

Credit cards. Debit cards. PayPal. Stripe.

The percentages add up fast.

But crypto POS systems promise a different model. Lower fees. Faster settlement. Global reach.

The question is: which one actually delivers?

Let's break down NOWPayments, CoinPayments, and Larecoin to see which crypto payment solution saves you the most money.

The Fee Structure Showdown

Here's where things get interesting.

NOWPayments and CoinPayments use percentage-based fees.

NOWPayments charges 0.5% per transaction. CoinPayments sits around 0.5-1%. Both add withdrawal fees. Both tack on conversion fees if you want fiat.

The model scales with your revenue. More sales = more fees.

Larecoin uses a gas-only model.

No platform fees. No percentage cuts. Just blockchain gas fees.

We're talking $0.001-$0.02 per transaction on Solana.

Flat. Predictable. Doesn't matter if you're processing $10 or $10,000.

Real Numbers: What Small Businesses Actually Pay

Let's run the math at typical small business volumes.

$500,000 Annual Volume

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

• Larecoin: Under $2,000 in gas fees

• Your savings: 50-60%

$1 Million Annual Volume

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

• Larecoin: Under $2,000 in gas fees

• Your savings: 67-83%

The gap widens as you grow.

Percentage-based models punish success. Gas fees don't.

Beyond Fees: Custody and Control

Price isn't everything. How the system works matters too.

NOWPayments and CoinPayments = Custodial

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

Classic middleman setup.

Pros:

• Managed services

• Established infrastructure

• Support team handles issues

• 5-minute settlement (NOWPayments)

Cons:

• You don't control your crypto

• Withdrawal delays possible

• Additional withdrawal fees

• Third-party risk exposure

Larecoin = Self-Custody

Direct wallet settlement. No intermediary holding your money.

You own it. You control it. Instant access.

Built on Solana for sub-second finality.

Pros:

• Complete financial sovereignty

• No withdrawal fees or delays

• Bank-free business operations

• 65,000 transactions per second capacity

Cons:

• You're responsible for wallet security

• Requires more crypto knowledge

• Self-service model

The Technical Edge: What Makes Larecoin Different

Larecoin isn't just cheaper. It's fundamentally different.

NFT Receipts for Accounting

Every transaction generates an NFT receipt. Permanent. Immutable. Auditable.

Your accountant will love this.

Traditional crypto payments? Good luck reconstructing transaction history years later.

NFT receipts solve this. Forever stored on-chain. Perfect for tax season.

LUSD Stablecoin Integration

Price volatility kills crypto adoption for merchants.

Larecoin supports LUSD (Liquidity USD) - a decentralized stablecoin.

Accept crypto. Eliminate volatility. Sleep better.

No custodial conversion needed. Direct stablecoin settlement.

Receivables Token Innovation

This is next-level stuff.

Larecoin lets you tokenize future receivables. Turn pending payments into tradable assets.

Need liquidity before payment clears? Sell the receivables token.

Traditional payment processors can't touch this functionality.

Cryptocurrency Support: Breadth vs. Depth

Here's where NOWPayments and CoinPayments have an edge.

NOWPayments: 200-300+ cryptocurrencies CoinPayments: 2,000+ cryptocurrencies Larecoin: Solana ecosystem focus with bridge capabilities

If you need maximum crypto variety, NOWPayments or CoinPayments win.

But ask yourself: do you really need 2,000 options?

Most customers use Bitcoin, Ethereum, USDC, and USDT.

Larecoin covers the essentials. Plus bridging means you're not locked into Solana-only.

Quality over quantity.

Speed and Settlement: The Real-World Experience

Payment speed matters for customer experience.

NOWPayments: 5-minute settlement (marketing claim) CoinPayments: Variable settlement times Larecoin: Sub-second finality on Solana

Solana processes 65,000 transactions per second. For context, Visa does about 1,700.

Your customers don't wait. You don't wait.

Instant payment confirmation. Move on with your day.

The Small Business Decision Matrix

Choose NOWPayments/CoinPayments if:

• You want maximum cryptocurrency variety

• You prefer managed, custodial services

• You're new to crypto and want hand-holding

• You don't mind percentage-based fees

Choose Larecoin if:

• You want to reduce merchant interchange fees by 50%+

• You value self-custody and financial sovereignty

• You need innovative features like NFT receipts

• You want predictable costs that don't scale with revenue

• You're building for long-term crypto adoption

The Growth Factor: Scaling Your Business

This is critical.

With percentage-based fees, your costs scale linearly with revenue.

Double your sales? Double your processing fees.

10x your business? 10x your fees to payment processors.

Gas-only fees don't work this way.

Process 100 transactions or 100,000 transactions. Your per-transaction cost stays nearly identical.

The efficiency gains compound as you grow.

At $5M annual volume:

• Traditional: $25,000-$50,000 in fees

• Larecoin: Under $2,000 in gas fees

That's not a cost savings. That's a business transformation.

Global Payments Without Banking Drama

Small businesses going global face banking nightmares.

International wire fees. Currency conversion spreads. Account freezes. Compliance headaches.

Crypto POS systems eliminate most of this.

But custodial platforms (NOWPayments, CoinPayments) still touch the traditional banking system eventually.

Larecoin enables truly bank-free business operations.

Accept payments globally. No bank accounts required. No international transfer fees.

Self-custody means you control the flow. No frozen accounts. No surprise restrictions.

Making the Switch: Implementation Reality

Setting up any crypto POS system requires technical comfort.

None of these are "plug and play" like Shopify Payments.

But Larecoin's self-custody model means you skip KYC delays. No waiting for account approval. No verification bottlenecks.

Create a wallet. Start accepting payments.

The trade-off? You handle security yourself. Back up your keys. Protect your access.

For small businesses with even basic tech competency, this is manageable. For others, the custodial options might feel safer.

The Bottom Line on Savings

The research is clear. Larecoin delivers the lowest fees at scale.

For small businesses doing $500K+ annually, the savings are substantial. 50-83% reduction compared to percentage-based competitors.

But "cheapest" doesn't always mean "best."

Consider your priorities:

• Maximum cost savings → Larecoin

• Maximum cryptocurrency support → CoinPayments

• Managed services with decent fees → NOWPayments

• Innovation and technical benefits → Larecoin

For most growth-focused small businesses, the gas-only model makes sense. Your processing costs stay flat while your revenue scales up.

That's the competitive advantage traditional payment processors will never offer.

Your Next Move

Want to see how much you'd actually save? Calculate your current payment processing fees. Multiply your annual volume by 0.005-0.01. That's what you're paying with percentage models.

Compare that to under $2,000 in gas fees regardless of volume.

The math speaks for itself.

Ready to explore Web3 global payments that put small businesses first? Check out how Larecoin is transforming merchant payments without the middleman markup.

The crypto payment revolution isn't coming. It's here. The only question is whether you're leaving money on the table by sticking with percentage-based fees.

Choose accordingly.