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

The Real Cost of Processing Crypto Payments

Small businesses lose thousands yearly to percentage-based payment fees.

NOWPayments charges 0.5% per transaction. CoinPayments takes up to 1%. Both add network fees, withdrawal charges, and conversion markups on top.

Larecoin operates differently.

Gas-only. Zero platform fees. Fractions of a cent per transaction.

The savings compound fast.

Breaking Down the Fee Structures

NOWPayments & CoinPayments Model:

• 0.5-1% per transaction

• Network fees (variable)

• Withdrawal fees (typically $5-$25)

• Currency conversion markups (0.5-2%)

• Monthly minimums on some plans

Larecoin Model:

• Solana network gas only (~$0.00025 per transaction)

• Zero platform fees

• Zero withdrawal fees

• Zero conversion markups

• No monthly minimums

The difference? Traditional platforms tax your revenue. Larecoin charges only blockchain costs.

Real Money Comparison at Different Volumes

Annual Processing	NOWPayments/CoinPayments	Larecoin	Your Savings
$100,000	$500-$1,000	Under $300	70-85%
$500,000	$2,500-$5,000	Under $2,000	50-60%
$1,200,000	$6,000-$12,000	~$2,000	67-83%
$5,000,000	$25,000+	~$5,000	50-80%+

Processing $100K monthly? Over 36 months, you save $20,000-$24,000 with Larecoin.

The math is simple. Percentage fees scale with your success. Gas fees don't.

Why Gas-Only Crushes Percentage-Based Fees

Traditional payment processors built their models around credit card economics.

Take a percentage. Add some fees. Repeat.

Blockchain technology eliminates the middleman.

Larecoin passes that efficiency directly to merchants. You pay only the actual cost of recording transactions on Solana: typically $0.00025 per transaction.

Real scenario:

• $50,000 monthly sales

• NOWPayments: $250-$500/month in fees

• Larecoin: Under $15/month in gas costs

That's 97% savings. Every single month.

Self-Custody Means True Ownership

NOWPayments and CoinPayments hold your funds in their wallets. You request withdrawals. Wait for processing. Pay withdrawal fees.

Larecoin operates on self-custody principles.

Your keys. Your crypto. Immediate access.

Payments flow directly to your wallet. No intermediary custody. No withdrawal requests. No permission needed to access your own money.

This matters during market volatility. When crypto prices move, you control timing. Not a payment processor's withdrawal schedule.

LUSD: Built-In Stability Without Conversion Fees

Both NOWPayments and CoinPayments charge conversion fees when merchants want stablecoins instead of volatile crypto.

Larecoin integrates LUSD natively: a decentralized stablecoin pegged to USD.

Accept LARE. Hold LUSD. Zero conversion fees.

The advantage:

• Instant stability without fee overhead

• Decentralized backing (not corporate reserves)

• Direct integration with Larecoin ecosystem

• No third-party conversion spreads

Merchants get predictable accounting without sacrificing savings to conversion markups.

NFT Receipts: The Competitive Edge

Neither NOWPayments nor CoinPayments offer programmable receipts.

Larecoin generates NFT receipts automatically for every transaction.

What this unlocks:

• Loyalty rewards embedded in purchase records

• Resellable premium transaction proof

• Digital collectibles tied to purchases

• Automated warranty tracking

• Future airdrops to customers

A coffee shop issues NFT receipts. Collect 10, unlock exclusive merchandise. Customers return. Revenue increases. Zero additional platform costs.

This is merchant innovation traditional processors can't match.

Merchant Freedom vs Platform Lock-In

NOWPayments and CoinPayments control your merchant account. Violate terms? Account frozen. Funds held. Appeals take weeks.

Larecoin operates on decentralized infrastructure.

No accounts to freeze. No terms to violate beyond blockchain rules. No gatekeepers deciding your business validity.

True independence:

• Process payments without platform approval

• No sudden policy changes affecting your operations

• Resist censorship and arbitrary restrictions

• Own your payment infrastructure

Small businesses deserve financial sovereignty. Not platform dependence.

Real-World Scenarios

Scenario 1: Online Retailer

• Monthly volume: $200,000

• NOWPayments annual cost: $12,000-$24,000

• Larecoin annual cost: Under $4,000

• Savings: $8,000-$20,000 yearly

Scenario 2: Service Provider

• Monthly volume: $50,000

• CoinPayments annual cost: $3,000-$6,000

• Larecoin annual cost: Under $1,000

• Savings: $2,000-$5,000 yearly

Scenario 3: Growing Startup

• Scaling from $10K to $100K monthly

• Traditional platform costs scale linearly

• Larecoin costs remain nearly flat

• Difference: Capital stays in your business

The Compound Effect of Fee Savings

Year one savings fund marketing. Year two savings hire staff. Year three savings expand operations.

Every dollar not paid in fees compounds growth.

Over five years, a business processing $500K annually saves $12,500-$25,000 with Larecoin versus traditional platforms.

That's inventory. Equipment. Hiring. Growth capital.

Beyond Fees: Ecosystem Advantages

Larecoin isn't just cheaper processing. It's an entire Web3 ecosystem.

Integrated features:

• Cross-chain swaps and bridging

• Built-in DEX access

• DAO governance participation

• Metaverse commerce integration

• AI-powered search and discovery

NOWPayments and CoinPayments process payments. Period.

Larecoin connects your business to the future of decentralized commerce.

Making the Switch

Moving from NOWPayments or CoinPayments takes minutes.

Steps:

1. Set up Solana wallet

2. Generate Larecoin payment address

3. Integrate into checkout (API or plugin)

4. Start accepting LARE/LUSD

5. Keep 97%+ more revenue

No lengthy applications. No credit checks. No account approval delays.

The Bottom Line

NOWPayments and CoinPayments serve merchants who accept legacy payment models applied to crypto.

Larecoin serves merchants who embrace decentralized finance advantages.

Lower fees. Self-custody. Programmable receipts. Merchant independence. Ecosystem integration.

Small businesses deserve tools that maximize profit margins: not extract them.

Calculate your current payment processing costs. Compare against Solana gas fees. Do the math.

The answer is clear. Larecoin saves small businesses the most money.

Start Saving Today

Every transaction with traditional platforms costs you revenue.

Switch to gas-only processing. Reclaim your margins. Own your payment infrastructure.

Visit Larecoin to set up your merchant account in minutes.

Your savings start with the next transaction.