NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Slashes Fees by 50%+?

Merchants processing $100K monthly lose $9,000 annually to NOWPayments fees alone.

That's $9,000 that could fund inventory, marketing, or team expansion.

CoinPayments? Similar story. Their 0.5-1% platform fees plus blockchain costs plus withdrawal penalties stack up fast.

There's a better way. Let's break down the numbers.

The Hidden Costs Behind Traditional Crypto Payment Processors

NOWPayments charges 0.5% for single-currency transactions. Sounds reasonable until you process multi-currency payments: then it doubles to 1%. Add network fees. Add withdrawal fees. Add currency conversion charges.

Suddenly your "low-cost" crypto POS system costs more than traditional credit card processing.

CoinPayments follows the same playbook. Their base 0.5-1% transaction fee gets buried under additional charges:

• Blockchain network fees (variable)

• Currency conversion costs (undisclosed)

• Withdrawal penalties (every time you want your money)

• Monthly account fees for premium features

Neither platform offers self-custody. Your funds sit in their wallets until you pay to withdraw them.

Fee Comparison: The Real Numbers

Here's what crypto payment processing actually costs at different scales:

Annual Processing	NOWPayments	CoinPayments	Larecoin
$500K	$2,500-$5,000	$2,500-$5,000	~$1,500
$1M	$5,000-$10,000	$5,000-$10,000	~$2,000
$5M	$25,000-$50,000	$25,000-$50,000	~$5,000

The pattern is clear. Traditional processors scale their fees with your revenue. Larecoin's costs stay flat because you're only paying Solana network gas: typically $0.001-$0.02 per transaction.

Zero platform fees. Zero withdrawal penalties. Zero conversion charges.

At $1.2M annual processing, merchants save $4,000-$10,000 switching to Larecoin.

Why Larecoin Operates Differently

Most crypto payment processors adopted the centralized exchange model. They custody your funds. They charge percentage fees. They control when you can withdraw.

Larecoin built on Solana for self-custody from day one.

Your payments hit your wallet directly. No intermediary holding period. No withdrawal requests. Your crypto, your control.

The technical stack enables features impossible on traditional platforms:

NFT Receipts for Accounting Every transaction generates an immutable NFT receipt. Perfect for audits. Perfect for tax compliance. Perfect for automated accounting systems that integrate Web3 global payments data directly.

LUSD Stablecoin Integration Accept payments in LUSD: a decentralized, over-collateralized stablecoin. No bank involvement. No fiat conversion fees. True financial sovereignty.

Receivables Token Convert outstanding invoices into tradable receivables tokens. Unlock working capital without traditional factoring fees.

Real Merchant Savings: Three Scenarios

Scenario 1: Coffee Shop ($50K Monthly)

Traditional processors charge $300-$600 monthly in platform fees. Add $50-$100 in withdrawal costs. Add conversion fees if you need fiat.

Annual cost: $4,200-$8,400

Larecoin cost: ~$1,200 in gas fees

Savings: $3,000-$7,200 annually

Scenario 2: E-commerce Store ($200K Monthly)

NOWPayments/CoinPayments fees: $12,000-$24,000 annually Additional costs: $2,000-$4,000 (withdrawals, conversions)

Total: $14,000-$28,000

Larecoin cost: ~$2,500

Savings: $11,500-$25,500 annually

Scenario 3: Multi-Location Retail ($1M Monthly)

Traditional processor fees: $60,000-$120,000 annually Currency conversion: $10,000-$20,000 Withdrawal penalties: $5,000-$10,000

Total: $75,000-$150,000

Larecoin cost: ~$8,000

Savings: $67,000-$142,000 annually

These aren't theoretical numbers. They're based on actual fee structures documented by each platform.

Self-Custody Changes Everything

Traditional crypto POS systems inherited the worst parts of legacy banking:

• Custodial wallets (they control your funds)

• Withdrawal delays (2-7 days standard)

• Account freezes (at their discretion)

• Percentage-based fees (scales with your success)

Self-custody merchant accounts eliminate every problem.

Your wallet receives payments instantly. No intermediary custody period. No withdrawal requests necessary because the funds never left your control.

Want to convert to fiat? Your choice, your timing, your DEX.

Want to hold crypto? Perfect. No forced conversions.

Want to pay suppliers in crypto? Direct wallet-to-wallet transfer. Zero platform fees.

Technical Advantages: Why Solana

Larecoin built on Solana specifically for merchant use cases.

Transaction finality: 400 milliseconds Transaction cost: $0.00025 average Network capacity: 65,000 TPS theoretical

Compare that to Ethereum's $1-$50 gas fees or Bitcoin's 10-minute confirmation times.

For physical retail, speed matters. Customers won't wait 10 minutes for payment confirmation. They won't accept $20 network fees on a $30 purchase.

Solana's architecture enables true point-of-sale crypto payments. Fast enough for in-person transactions. Cheap enough for small purchases.

NFT Receipts: The Accounting Revolution

Traditional receipt systems are fragmented. Paper receipts fade. Email receipts get lost. CSV exports require manual reconciliation.

NFT receipts solve this permanently.

Every transaction mints an immutable receipt containing:

• Transaction amount

• Timestamp

• Wallet addresses

• Product/service details

• Tax calculation

• Currency denomination

These receipts live on-chain forever. Accessible via blockchain explorers. Queryable by accounting software. Verifiable by auditors.

No more lost receipts. No more disputes about transaction details. Everything's timestamped and cryptographically signed.

Tax season becomes simple. Query your wallet for all transaction NFTs. Export to your accounting system. Done.

LUSD: The Merchant Stablecoin

LUSD offers something USDT and USDC cannot: true decentralization.

No bank account required. No frozen accounts possible. No regulatory shutdown risk.

LUSD maintains its $1 peg through over-collateralization. Every LUSD is backed by at least $1.10 in ETH locked in smart contracts. No fractional reserves. No trust required.

For merchants operating in jurisdictions with banking restrictions, LUSD enables commerce without permission.

Accept payments in LUSD. Pay suppliers in LUSD. Hold treasury reserves in LUSD.

Zero bank involvement.

Who Should Use What?

Choose NOWPayments if:

• You need extensive altcoin support

• You're comfortable with custodial services

• You process low volumes ($10K monthly or less)

Choose CoinPayments if:

• You need shopping cart integrations

• You're processing multi-currency transactions

• You want established platform reliability

Choose Larecoin if:

• You want self-custody from day one

• You're processing $50K+ monthly

• You need NFT receipts for accounting

• You want to slash platform fees by 50-80%

• You value financial sovereignty over convenience

• You're ready for true Web3 global payments

The Bottom Line on Fees

Traditional crypto payment processors charge like credit card companies. They take a percentage of every transaction. They add fees for withdrawals. They charge for currency conversions.

Larecoin charges for actual network usage. Gas fees only.

At small volumes, the difference is modest. At scale, it's transformative.

$100K monthly processing saves you $7,000 annually. $500K monthly processing saves you $35,000 annually. $1M monthly processing saves you $70,000 annually.

Those savings compound. Reinvested into growth, they accelerate business expansion exponentially.

Making the Switch

Migration from NOWPayments or CoinPayments takes minutes.

Set up your Solana wallet. Install Larecoin's merchant portal. Generate payment QR codes. Start accepting payments.

No approval process. No business verification delays. No waiting for account activation.

Self-custody means you're in control from transaction one.

Your wallet. Your crypto. Your business.

Ready to cut payment processing costs by 50%+? Check out Larecoin.

The Web3 global payments revolution isn't coming. It's here.