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

The Merchant Fee Problem Is Getting Worse

Traditional crypto payment processors are eating your profits.

NOWPayments and CoinPayments both charge 0.5-1% per transaction. Plus network fees. Plus withdrawal penalties. Plus currency conversion charges.

The fees stack up fast.

For a business processing $500K annually, that's $2,500-$5,000 disappearing into payment processor pockets.

Larecoin flips this model entirely.

The Gas-Only Revolution

Larecoin charges zero percentage fees.

You only pay Solana network gas fees. Typically pennies per transaction.

No withdrawal penalties. No conversion charges. No hidden costs.

This isn't theoretical savings. It's real money back in your business.

Fee Structure Breakdown

NOWPayments & CoinPayments:

• Base fee: 0.5-1% per transaction

• Network fees: Variable by blockchain

• Withdrawal fees: 0.5% minimum

• Currency conversion: 1-3% markup

• Custody charges: Implicit in spread

Larecoin:

• Transaction fee: $0

• Gas fees only: $0.00025-$0.01 per transaction

• Withdrawal fees: $0

• Self-custody: No middleman markups

• LUSD stablecoin: Zero conversion slippage

The difference compounds with every transaction.

Real Savings at Different Business Scales

Let's run the numbers on actual processing volumes.

Small Business: $100K Annual Processing

NOWPayments/CoinPayments: $750-$1,000 in fees Larecoin: $300-$400 in gas fees Your Savings: 50-60% ($350-$700)

Growing Business: $500K Annual Processing

NOWPayments/CoinPayments: $2,500-$5,000 in fees Larecoin: Under $2,000 in gas fees Your Savings: 60%+ ($500-$3,000)

Established Business: $1.2M Annual Processing

NOWPayments/CoinPayments: $6,000-$12,000 in fees Larecoin: ~$2,000 in gas fees Your Savings: 67-83% ($4,000-$10,000)

Enterprise: $5M Annual Processing

NOWPayments/CoinPayments: $25,000-$50,000 in fees Larecoin: ~$5,000 in gas fees Your Savings: 80%+ ($20,000-$45,000)

That's real money staying in your business instead of funding payment processors.

Technical Advantages That Actually Matter

Larecoin isn't just cheaper. It's fundamentally better infrastructure.

NFT Receipts for Accounting

Every transaction generates an NFT receipt on-chain.

Immutable. Auditable. Zero data loss.

Your accountant will thank you. The IRS can't dispute blockchain records.

Traditional processors give you CSV exports that break. Larecoin gives you permanent, cryptographically verified transaction history.

LUSD Stablecoin Benefits

Larecoin's native LUSD stablecoin eliminates conversion risk.

No slippage. No volatility exposure. Instant settlement.

NOWPayments and CoinPayments force conversions through their rails. You lose 1-3% in spreads on every transaction.

LUSD holds its peg algorithmically. Your $100 sale stays $100.

Self-Custody Merchant Accounts

NOWPayments and CoinPayments hold your funds.

You're trusting third parties with your business capital. They can freeze accounts. Delay withdrawals. Apply arbitrary policies.

Larecoin gives you full self-custody.

Your keys. Your crypto. Your control.

No waiting for withdrawal approval. No account freezes. No permission needed to access your own money.

Why Gas-Only Beats Percentage Fees

The math is simple but powerful.

Percentage fees scale with transaction size. Gas fees don't.

$10 Sale:

• NOWPayments/CoinPayments: $0.10 fee

• Larecoin: $0.001 gas fee

$1,000 Sale:

• NOWPayments/CoinPayments: $10 fee

• Larecoin: $0.001 gas fee

$10,000 Sale:

• NOWPayments/CoinPayments: $100 fee

• Larecoin: $0.001 gas fee

The larger your average transaction, the more you save.

High-ticket merchants save the most. But even small transactions add up fast when you're doing volume.

The Receivables Token Advantage

Larecoin introduces receivables tokens: a game-changer for cash flow management.

Tokenize your incoming payments. Trade them. Use them as collateral.

NOWPayments and CoinPayments lock your funds until settlement. You wait days for liquidity.

Larecoin's receivables tokens give you instant liquidity options.

Need cash before settlement? Sell your receivables token at a small discount. Keep your business moving without waiting for payment rails.

Web3 Global Payments Without Borders

Traditional crypto processors still think like banks.

KYC requirements. Geographic restrictions. Compliance delays.

Larecoin operates on Web3 principles.

Accept payments from anywhere. No geographic limits. No arbitrary account restrictions.

Your business is global by default. No permission needed.

Cross-Border Made Simple

NOWPayments and CoinPayments add conversion fees for international transactions.

Larecoin uses LUSD stablecoin. One currency. Worldwide acceptance. Zero conversion costs.

A customer in Japan pays the same as a customer in Brazil. No forex spreads. No international processing fees.

Crypto POS System Built for Small Business

You don't need enterprise complexity.

Larecoin's POS integration takes minutes.

Scan. Pay. Confirm. Done.

NFT receipt generated automatically. Accounting synced in real-time. Self-custody wallet updated instantly.

NOWPayments and CoinPayments require API integration, custody agreements, and compliance documentation.

Larecoin gives you a merchant account in minutes, not weeks.

Bank-Free Business Operations

The ultimate freedom? Operating entirely outside traditional banking.

Larecoin enables true financial sovereignty.

No bank account required. No monthly maintenance fees. No minimum balances. No account closure risks.

Your business runs on blockchain rails. Transparent. Permissionless. Unstoppable.

NOWPayments and CoinPayments still integrate with legacy banking. You're one bank decision away from frozen operations.

Larecoin eliminates that dependency entirely.

The Competitive Reality Check

These numbers come from Larecoin's analysis.

Independent verification always recommended.

But the core math is undeniable: gas-only fees beat percentage fees at scale.

The bigger you grow, the more you save.

NOWPayments and CoinPayments work fine for businesses that don't care about margins.

Larecoin works for businesses that optimize every dollar.

Making the Switch

Migration takes hours, not weeks.

Export your customer data. Import to Larecoin. Update payment links. Start saving.

Your existing crypto addresses work. Your customers see no difference. Your accountant sees better records.

The only change? Your fee line item drops 50-80%.

Visit Larecoin to calculate your exact savings based on current processing volume.

The 2026 Payment Processor Landscape

Web3 payments are maturing fast.

Percentage-based fees are legacy infrastructure. Gas-only models are the future.

NOWPayments and CoinPayments built their systems in the old paradigm.

Larecoin built for Web3 from day one.

Self-custody. NFT receipts. LUSD stability. Receivables tokens. Bank-free operations.

These aren't features. They're requirements for modern commerce.

Your Move

Calculate your current payment processing costs.

Multiply by 0.5 to 0.2 depending on your volume.

That's your annual savings with Larecoin.

Now decide if you want to keep funding legacy processors or build on Web3 infrastructure.

The technology exists. The savings are real. The choice is yours.

Stop paying percentage fees for infrastructure that costs pennies to run.

Switch to gas-only. Keep your margin. Scale without bleeding fees.

That's the Larecoin difference.