NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Slashes Fees for Your Small Business?

Small business owners lose thousands to crypto payment processing fees every year. Time to stop that.

You're here because you're tired of watching profits vanish into fee structures. Smart move.

Let's cut through the noise. Three major players dominate the crypto POS space: NOWPayments, CoinPayments, and Larecoin. Only one slashes fees by 50-80%.

Here's the breakdown you actually need.

The Fee Structure Reality Check

NOWPayments hits you with 0.5% on single-currency transactions. Multi-currency? That's 1%. Plus network fees. Plus withdrawal fees at 1.5-2.3%. Plus conversion charges.

Every. Single. Transaction.

CoinPayments runs the same playbook. 0.5-1% transaction fees. Blockchain fees on top. Withdrawal penalties. Conversion costs that add up fast.

Traditional crypto processors built their models on stacking fees. Because they could.

Larecoin flipped the script.

Zero platform fees. Just Solana gas costs: fractions of a penny per transaction.

No hidden charges. No conversion penalties. No withdrawal games.

Real Numbers That Actually Matter

Let's talk money. Your money.

Processing $500K annually:

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

• Larecoin: Under $2,000

• You save: 50-60%

Processing $1M annually:

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

• Larecoin: Under $2,000

• You save: 67-83%

Processing $5M annually:

• NOWPayments/CoinPayments: Around $25,000 in fees

• Larecoin: Around $5,000

• You save: 50-80%

The gap widens as you scale. Traditional processors punish growth with percentage-based fees. Larecoin's gas costs stay relatively fixed.

Over 36 months processing $100K monthly, you're looking at $7,128 with Larecoin versus $28,000+ with NOWPayments and $31,320 with CoinPayments.

That's not a rounding error. That's real capital you can reinvest.

The Self-Custody Advantage Nobody Talks About

Here's what traditional processors won't tell you: they control your funds until settlement.

NOWPayments and CoinPayments operate as intermediaries. Your crypto sits in their wallets. You wait for withdrawals. They set the terms.

Larecoin gives you self-custody merchant accounts.

Your keys. Your crypto. Your control. Instant access.

No waiting for settlement windows. No withdrawal limits. No intermediary risk.

When a customer pays, funds hit your wallet immediately. Not their custody solution pretending to be yours.

That's financial sovereignty. That's how Web3 payments should work.

NFT Receipts: Accounting Just Got Serious

Traditional crypto processors give you basic transaction records. Maybe a CSV export if you're lucky.

Larecoin issues NFT receipts.

Each transaction becomes an immutable, blockchain-verified record. Perfect for accounting. Ideal for audits. Tamper-proof documentation.

Your accountant will actually thank you.

Tax season? Pull up your NFT receipt collection. Every transaction verified on-chain with timestamps, amounts, and customer data.

No more reconciling payment processor exports with blockchain explorers. No more guessing which transaction was which customer.

One source of truth. On-chain. Forever.

This isn't a gimmick. This is reduce merchant interchange fees while upgrading your entire financial infrastructure.

LUSD Stablecoin: Volatility Protection Without the Fees

NOWPayments and CoinPayments offer stablecoin options. They'll charge you for the privilege.

Conversion fees. Withdrawal fees. The usual stack.

Larecoin integrates LUSD: the decentralized stablecoin that doesn't rely on centralized issuers.

No Tether concerns. No Circle dependencies. Pure DeFi stability.

Accept crypto. Hold LUSD. Zero volatility risk. Minimal conversion costs.

Your revenue stays stable without trusting centralized stablecoin operators. Your funds stay in your custody without intermediary exposure.

That's the Web3 advantage traditional processors can't offer.

Receivables Token: Working Capital Revolution

Here's where it gets interesting.

Larecoin's receivables token system lets you tokenize future payments. Need working capital? Don't wait for sales.

Convert expected revenue into liquid assets. Sell receivables tokens. Access capital immediately.

Try doing that with NOWPayments or CoinPayments.

Traditional processors lock you into their payment rails. Larecoin opens financial options you didn't know existed.

This is what Web3 global payments actually means. Not just accepting crypto. Completely restructuring how business finance works.

The Global Reach Reality

NOWPayments supports 200+ cryptocurrencies. Impressive list.

CoinPayments offers similar coverage. Lots of options.

Larecoin runs on Solana.

Wait: isn't that limiting?

Nope. It's strategic.

Solana's global infrastructure means sub-second finality. Transaction costs measured in thousandths of pennies. No network congestion issues.

Supporting 200 coins means dealing with 200 different blockchain fees, settlement times, and technical complexities.

Larecoin picks the fastest, cheapest network and builds properly.

You get global reach without the technical headaches. Customers get instant settlement without the wait times.

Simple. Fast. Actually works.

Bank-Free Business Operations

Traditional payment processors: including crypto ones: still tie you to the banking system.

Fiat offramps. Settlement accounts. Bank partnerships that can disappear overnight.

Larecoin enables completely bank-free operations.

Accept crypto. Pay suppliers in crypto. Hold value in self-custody. No banks required.

Your business runs on Web3 rails from end to end. No permission needed. No accounts to freeze. No middlemen deciding your business risk profile.

Financial sovereignty isn't a buzzword here. It's the entire architecture.

Integration: Easy or Nightmare?

NOWPayments offers plugins for major e-commerce platforms. Setup takes hours. API documentation sprawls across multiple pages. Support tickets pile up.

CoinPayments provides similar integration tools. Shopping cart plugins. API access. Still requires technical chops.

Larecoin built for small businesses without engineering teams.

Install the POS system. Connect your wallet. Start accepting payments.

No complex APIs to navigate. No developer required. No multi-day integration projects.

The entire onboarding process takes minutes, not weeks.

Because crypto payments should be easier than traditional ones, not harder.

The Metaverse Bonus

Here's something neither NOWPayments nor CoinPayments even attempt: metaverse shopping features.

Larecoin positions you for the next wave of digital commerce.

Virtual storefronts. NFT product listings. Metaverse payment integration.

While traditional crypto processors focus on web2 e-commerce, Larecoin builds for web3's future.

Your competition won't see it coming. You'll already be there.

The Decision Matrix

Choose NOWPayments if: You enjoy paying thousands in fees and don't mind custody intermediaries.

Choose CoinPayments if: You want similar fees with a different logo.

Choose Larecoin if: You want 50-80% lower fees, self-custody, NFT receipts, LUSD stability, receivables tokens, and actual Web3 innovation.

The math isn't complicated.

Every month you delay switching costs you money. Real, measurable, compounding costs.

Make the Move

Ready to slash fees and upgrade your payment infrastructure?

Set up Larecoin today. Zero platform fees. Full self-custody. Complete financial sovereignty.

Your competitors are already making the switch.

The question isn't whether to adopt crypto POS systems. That ship sailed.

The question is which system preserves your profits instead of eating them.

You already know the answer.