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

Merchant fees are killing your margins.

Traditional crypto payment processors charge 0.5% to 1% per transaction. Then add network fees. Then withdrawal costs. Then conversion spreads.

Those "small" percentages add up fast.

We ran the numbers on three leading crypto POS systems: NOWPayments, CoinPayments, and Larecoin. The results? One platform saves merchants 50-83% on fees compared to the competition.

Let's break down exactly where your money goes.

The Fee Breakdown: Platform by Platform

NOWPayments:

• 0.5% for single-currency transactions

• 1% for multi-currency conversions

• Network fees on top

• Withdrawal charges

• Currency conversion spreads

CoinPayments:

• 0.5% to 1% per transaction

• Blockchain network fees

• Withdrawal costs

• Additional fiat conversion fees

Larecoin:

• 0% platform fee

• Gas-only costs on Solana (pennies per transaction)

• Zero withdrawal fees

• Self-custody model (you control your funds)

The difference is structural. Legacy processors charge percentage-based fees because they handle custody, compliance, and conversions. Larecoin operates on a Web3 model where you maintain control: eliminating intermediary costs.

Real-World Cost Scenarios

Numbers tell the story better than theory.

Scenario 1: Small Business ($500K Annual Processing)

• NOWPayments: $2,500–$5,000 in fees

• CoinPayments: $2,500–$5,000 in fees

• Larecoin: Under $2,000 in fees

Your savings: 50-60%

Scenario 2: Growing Merchant ($1.2M Annual Processing)

• NOWPayments: $9,000 in fees

• CoinPayments: $6,000–$12,000 in fees

• Larecoin: ~$2,000 in fees

Your savings: 67-83%

The gap widens as you scale. Processing $1.2M annually? You're potentially saving $7,000 to $10,000 per year by switching to Larecoin.

That's not marketing spin. That's basic math.

The Hidden Fees Nobody Talks About

Platform percentages are just the beginning.

Withdrawal Fees: Every time you move funds from NOWPayments or CoinPayments to your wallet, you pay. Multiple withdrawals per month? Those costs compound quickly.

Larecoin eliminates this entirely. Self-custody means your funds are already in your wallet. No withdrawal process. No withdrawal fees.

Conversion Spreads: Need to convert BTC to USDT? Or ETH to stablecoin? Traditional processors charge spreads on top of their platform fees. These spreads range from 0.5% to 2%.

With Larecoin, you control conversions through your own wallet. Use the swap and bridge features directly. No hidden markup.

Network Congestion: Ethereum gas fees spike during high-traffic periods. Processors pass these costs directly to you.

Larecoin operates on Solana: consistent low fees regardless of network activity. Typically under $0.01 per transaction.

Why Self-Custody Changes Everything

The fee advantage comes from eliminating middlemen.

Traditional Model: Customer pays → Processor holds funds → You request withdrawal → Processor charges fees → You receive funds (minus fees)

Larecoin Model: Customer pays → Funds arrive in your wallet instantly → You control everything

No custody fees. No withdrawal delays. No permission needed to access your own money.

This isn't just about saving fees. It's about operational control. You decide when and how to convert crypto. You choose which tokens to accept. You manage your own treasury without third-party restrictions.

Check out the full guide on reducing merchant interchange fees for deeper strategies.

The LUSD Stablecoin Advantage

Stablecoins solve volatility. But which stablecoin matters.

NOWPayments and CoinPayments support USDT and USDC primarily. Both centralized stablecoins with potential regulatory risks.

Larecoin integrates LUSD: a decentralized stablecoin backed by ETH collateral. No central issuer. No bank dependencies. True financial sovereignty.

Why LUSD beats USDT/USDC for merchants:

• Decentralized governance

• Over-collateralized (110-150% backing)

• No freeze risk from central authorities

• Compatible with DeFi protocols

You're not just accepting payments. You're building a bank-free treasury.

NFT Receipts: The Accounting Game-Changer

Every crypto transaction needs documentation for tax compliance.

Traditional processors send email receipts. PDFs. CSV exports. Manual accounting nightmares.

Larecoin generates NFT receipts automatically. Each transaction mints an immutable receipt on-chain. Timestamped. Verifiable. Permanent.

Benefits for your accounting team:

• Instant proof of transaction

• No lost receipts

• Automated reconciliation

• Built-in audit trail

• Integration-ready for accounting software

Tax season becomes manageable. Audits become simple. Your accountant will actually thank you.

Solana Speed vs. Ethereum Delays

Transaction speed directly impacts customer experience.

NOWPayments (Multi-Chain):

• Bitcoin: 10-60 minutes

• Ethereum: 2-15 minutes (depending on gas)

• Variable confirmation times

CoinPayments (Multi-Chain):

• Similar delays based on blockchain chosen

• Longer wait times during network congestion

Larecoin (Solana-Native):

• 400ms transaction finality

• Consistent regardless of network load

• Sub-second confirmation for customers

Faster transactions mean better checkout experiences. Customers don't abandon carts waiting for confirmations. You don't lose sales to payment friction.

The Global Payments Reality

Cross-border payments drain profits through conversion fees and delays.

Traditional processors charge 1-3% for currency conversions. Plus 2-5 business days for international settlements. Plus correspondent banking fees nobody explains upfront.

Larecoin processes global payments identically to local ones. Someone in Tokyo pays the same gas fee as someone in Toronto. Zero conversion markup. Instant settlement.

True story from our merchant base: A US-based merchant processing $200K annually from international customers saved $4,800 per year by eliminating conversion fees and wire transfer costs.

That's money staying in your business instead of funding legacy banking infrastructure.

Setup Complexity: The Hidden Cost

Time is money. Complicated setups waste both.

NOWPayments Setup:

• Account creation

• KYC verification (1-3 days)

• API integration

• Wallet configuration

• Custodial agreement acceptance

CoinPayments Setup:

• Similar KYC process

• Merchant verification

• Integration complexity

• Custody setup

Larecoin Setup:

• Connect Web3 wallet

• Start accepting payments

• Done

No KYC delays. No custodial agreements. No waiting for approval. You control the timeline.

Visit Larecoin.com to see the actual setup process. Takes minutes, not days.

The Bottom Line Math

Let's calculate your actual savings.

Your annual crypto payment volume: $______

NOWPayments cost (1% average): Volume × 0.01 CoinPayments cost (0.75% average): Volume × 0.0075 Larecoin cost (gas only): ~$2,000 annually (for most merchants)

Example at $800K volume:

• NOWPayments: $8,000

• CoinPayments: $6,000

• Larecoin: $2,000

Savings: $4,000–$6,000 per year

That's additional working capital. Marketing budget. Inventory investment. Employee bonuses. Whatever grows your business.

Who Benefits Most from Larecoin?

The fee savings scale differently based on your business model.

Best fit:

• High-volume merchants ($500K+ annually)

• International payment processors

• DeFi-native businesses

• Privacy-focused operations

• Merchants wanting self-custody

Less critical for:

• Ultra-low volume (< $50K annually where setup costs matter more)

• Businesses requiring instant fiat conversion

• Merchants unable to manage wallet security

Larecoin isn't for everyone. But for merchants processing significant crypto volume who value control and cost efficiency, the savings are undeniable.

Making the Switch

Changing payment processors feels risky. Data shows otherwise.

Merchants migrating from NOWPayments or CoinPayments to Larecoin report:

• Zero downtime during transition

• Customer payment continuity

• Immediate fee reduction

• Improved cash flow from instant access

The technical migration process:

1. Set up Larecoin wallet

2. Configure accepted tokens

3. Integrate API or use hosted checkout

4. Run parallel processing for 1-2 weeks

5. Fully switch over

No revenue interruption. No customer confusion. Just lower fees starting immediately.

Learn more about the Larecoin ecosystem and how merchants are building bank-free operations.

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Your crypto payment processor should work for you, not extract maximum fees from every transaction.

NOWPayments and CoinPayments serve a purpose for merchants entering crypto. But as your volume grows and your Web3 sophistication increases, percentage-based fees become increasingly expensive.

Larecoin offers the alternative: zero platform fees, self-custody, instant settlements, and true financial sovereignty.

The math is simple. The savings are real. The choice is yours.