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

The Hidden Tax Killing Your Crypto Payment Margins

Every transaction costs you money.

NOWPayments and CoinPayments charge percentage-based fees that drain your revenue before it hits your wallet. Processing $100,000? You're paying $750-$1,000 in platform fees alone. Processing $1 million? That number jumps to $5,000-$10,000.

Larecoin operates differently.

Zero platform fees. Zero withdrawal charges. Zero conversion spreads. Just Solana network gas costs: pennies per transaction.

This isn't a small difference. We're talking 50-83% savings depending on your volume.

Let's break down the numbers.

Fee Structure: What You Actually Pay

NOWPayments Fees

• 0.5% for single-currency transactions

• 1% for multi-currency transactions

• Network fees on every transaction

• Withdrawal fees when you move funds

• Currency conversion spreads

CoinPayments Fees

• 0.5-1% per transaction

• Separate blockchain fees

• Withdrawal costs

• Conversion spreads on top

• Hidden custody fees

Larecoin Fees

• 0% platform fees

• Solana network gas only (typically $0.01-$0.05 per transaction)

• No withdrawal fees

• No conversion spreads

• Full self-custody means no custody fees

The difference compounds fast.

Real Cost Comparisons at Different Volumes

$100,000 Annual Processing

NOWPayments/CoinPayments: $750-$1,000 in platform fees + network costs

Larecoin: $300-$400 total (mostly network gas)

Your Savings: ~50% ($400-$600 annually)

$500,000 Annual Processing

NOWPayments/CoinPayments: $2,500-$5,000 in platform fees + additional costs

Larecoin: Under $2,000 total

Your Savings: 50-60% ($1,500-$3,000 annually)

$1,000,000 Annual Processing

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

Larecoin: Under $2,000 total

Your Savings: 67-83% ($3,000-$8,000 annually)

$5,000,000 Annual Processing

NOWPayments/CoinPayments: $25,000-$37,500 in platform fees

Larecoin: $5,000-$6,000 total

Your Savings: 50-84% ($19,000-$32,500 annually)

The pattern is clear. Higher volume equals exponentially better savings with Larecoin.

Beyond Fees: What You Get with Larecoin

Cost savings matter. But they're just the beginning.

NFT Receipts

Every transaction generates an NFT receipt. Permanent proof of purchase on-chain. No disputes. No chargebacks. Complete transparency.

Your customers own their purchase history. You own your sales data. Nobody in the middle.

LUSD Integration

Larecoin's stablecoin version eliminates volatility concerns. Accept crypto payments without worrying about price fluctuations between sale and settlement.

Fixed value. Instant settlement. Zero conversion risk.

Self-Custody Architecture

NOWPayments and CoinPayments hold your funds. You request withdrawals. They process them on their schedule. With their fees.

Larecoin never touches your crypto. Payments flow directly to your self-custody wallet. Your keys. Your funds. Your timeline.

Check out our merchant solutions to see how self-custody protects your business.

Decentralized Infrastructure

Built on Solana. No central point of failure. No platform downtime during peak shopping seasons. No "maintenance windows" that block your revenue.

Your POS system runs 24/7 because the blockchain never sleeps.

The Merchant Freedom Angle

Traditional crypto payment processors operate like banks. They set terms. They hold funds. They decide what's acceptable.

Larecoin flips the model.

You accept payments directly. Customers send crypto to your wallet. No intermediary approval required. No account freezes. No sudden policy changes that brick your payment system.

This is merchant independence.

You're not renting payment infrastructure from a corporation. You're using open, permissionless blockchain rails that nobody controls.

Volume Matters More Than You Think

Small businesses processing under $50,000 annually might find NOWPayments competitive. The 0.5% fee on low volumes doesn't hurt much.

But most businesses grow. And percentage-based fees scale brutally against you.

Process $500,000 this year? That's $2,500-$5,000 to NOWPayments or CoinPayments.

Process $1,000,000 next year? Now it's $5,000-$10,000.

Larecoin's gas-only model means your costs barely increase as you scale. Processing $1 million costs roughly the same as processing $100,000: just more individual pennies for gas.

Your profit margins improve as you grow instead of eroding.

The Hidden Costs Nobody Talks About

Percentage fees grab headlines. But they're not the only drain.

Withdrawal Timing

NOWPayments and CoinPayments batch withdrawals. Wait times vary. Sometimes days. Your cash flow suffers while their treasury earns interest on your funds.

Larecoin settlements are instant. Crypto arrives in your wallet the moment the customer pays.

Currency Conversion Spreads

Accept Bitcoin but need USDC? Legacy processors charge conversion spreads on top of transaction fees. Those spreads aren't always transparent.

Larecoin's ecosystem lets you swap through decentralized pools at market rates. No hidden spreads. No conversion markups.

Customer Data Ownership

NOWPayments and CoinPayments collect customer payment data. They own it. They analyze it. They might monetize it.

Larecoin's self-custody model means transaction data stays between you and your customer. No third-party surveillance. No data brokers.

Privacy as a feature, not a liability.

When NOWPayments or CoinPayments Make Sense

Honesty matters.

If you're processing under $50,000 annually, NOWPayments might be simpler to set up. Their hosted checkout is plug-and-play.

If you need 24/7 phone support in multiple languages, CoinPayments has larger support teams.

If you're uncomfortable managing self-custody wallets, a custodial solution might feel safer.

But for merchants who value independence, margins, and control: Larecoin delivers unmatched savings.

The Decentralized Payments Revolution

Web3 payments aren't just cheaper. They're philosophically different.

Traditional processors extract rent from every transaction. It's their business model. Fees fund shareholders, not innovation.

Decentralized rails like Solana eliminate rent-seeking middlemen. You pay for network security (gas fees) and nothing else.

This is the future of merchant payments. Not because it's trendy. Because it's economically rational.

Every dollar you save on processing fees is a dollar you can reinvest in inventory, marketing, or employee wages.

Explore our Web3 global payments guide to understand how Larecoin fits into the broader decentralized finance ecosystem.

Making the Switch

Migrating payment systems feels risky. We get it.

Start small. Run Larecoin alongside your existing processor for a month. Compare actual costs. Track settlement speeds. Measure customer experience.

Numbers don't lie.

When you see 50-83% lower fees, instant settlements, and zero custody risk, the decision becomes obvious.

Ready to calculate your specific savings? Visit larecoin.com and plug in your monthly volume. The fee calculator shows exactly what you'd save compared to NOWPayments and CoinPayments.

The Bottom Line

NOWPayments and CoinPayments charge percentage-based fees that scale with your success. Larecoin charges gas fees that don't.

For businesses processing six figures or more, Larecoin delivers 50-83% savings. Plus NFT receipts, LUSD stability, self-custody security, and genuine merchant independence.

The question isn't whether decentralized payments save money. It's whether you're ready to keep more of what you earn.