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

Merchant fees are bleeding your profits dry.

Traditional crypto payment processors charge 0.5-1% per transaction. Sounds reasonable until you do the math on $1M in annual sales. That's $5,000-$12,000 vanishing into platform fees alone.

Add withdrawal penalties. Network conversion charges. Multi-currency markups.

The real cost? 50-80% higher than you think.

The Hidden Cost of "Cheap" Crypto Payment Processors

NOWPayments and CoinPayments dominate the crypto POS market with nearly identical fee structures.

NOWPayments charges:

• 0.5% for single-currency transactions

• 1% for multi-currency transactions

• Network fees on every withdrawal

• Currency conversion costs

• Withdrawal penalties

CoinPayments mirrors this model:

• 0.5-1% per-transaction fee

• Blockchain fees on top

• Conversion costs for currency swaps

• Withdrawal penalties that compound

Both platforms advertise "low fees." But percentage-based pricing scales with your success. The more you process, the more they take.

What a Gas-Only Model Actually Saves You

Larecoin operates on Solana's lightning-fast blockchain with zero platform fees.

You pay gas. That's it.

Solana network costs run $0.001-$0.02 per transaction. Fixed. Not percentage-based.

Annual Processing: $500,000

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

• Larecoin: Under $2,000

• Savings: 50-60%

Annual Processing: $1.2M

• NOWPayments/CoinPayments: $6,000-$12,000

• Larecoin: ~$2,000

• Savings: 67-83%

Annual Processing: $5M

• NOWPayments/CoinPayments: $25,000+

• Larecoin: ~$5,000

• Savings: 80%+

The gap widens with scale. Percentage fees compound. Gas fees don't.

Why Self-Custody Changes Everything for Small Business

NOWPayments and CoinPayments hold your funds. You request withdrawals. They process when they're ready.

Larecoin gives you complete self-custody through smart wallet technology.

What this means:

• Instant access to your crypto

• No withdrawal approvals needed

• No third-party holding your money

• Complete financial sovereignty

Your keys. Your coins. Your business operates bank-free.

Traditional processors act as intermediaries. Larecoin eliminates the middleman entirely. You control receivables from transaction to settlement.

NFT Receipts: The Accounting Revolution Nobody's Talking About

Every Larecoin transaction generates an NFT receipt on-chain.

Not a PDF. Not an email. A permanent, tamper-proof blockchain record.

For merchants, this solves:

• Expense tracking without manual entry

• Audit-ready transaction history

• Dispute resolution with cryptographic proof

• Real-time reconciliation across currencies

Traditional processors give you CSV exports. Larecoin gives you blockchain-verified proof of every transaction.

NFT receipts integrate directly with Web3 accounting tools. No more reconciling payment processor data with accounting software. The blockchain IS your ledger.

LUSD Stablecoin: Volatility Protection Without Banking Delays

Bitcoin volatility scares merchants. Fair concern.

NOWPayments and CoinPayments offer instant conversion to stablecoins: for an additional fee. Plus conversion spreads. Plus withdrawal delays to your bank account.

Larecoin's LUSD integration solves this differently.

LUSD is a decentralized stablecoin pegged to USD. No central issuer. No bank freezes. No account restrictions.

Accept crypto. Hold LUSD. Maintain purchasing power.

Settlement happens on-chain. No waiting 3-5 business days for bank transfers. Convert back to LARE or other crypto when needed. Or spend LUSD directly with other Web3 merchants.

Traditional stablecoins require trust in centralized entities. LUSD runs on smart contracts. Code controls supply, not corporate decisions.

The Receivables Token Advantage for Cash Flow Management

Larecoin pioneered receivables tokens: digital representations of future payments.

Small businesses face cash flow gaps. Traditional solutions involve expensive factoring or merchant cash advances at 30-50% APR.

Receivables tokens change the game:

• Tokenize pending customer payments

• Trade or collateralize receivables instantly

• Access liquidity without predatory lending

• Maintain ownership of customer relationships

NOWPayments and CoinPayments process payments. That's where their value ends.

Larecoin turns your payment data into programmable financial assets. Future receivables become liquid capital you control.

Cross-Chain Compatibility Without the Conversion Tax

Both NOWPayments and CoinPayments support multiple blockchains. But every cross-chain transaction triggers conversion fees.

Customer pays in BTC. You want ETH. They charge for the swap. Plus network fees on both chains.

Larecoin's bridge technology enables native cross-chain swaps at gas-only cost.

Supported chains include:

• Solana (primary)

• Ethereum

• Binance Smart Chain

• Polygon

• And growing

Accept any supported crypto. Receive it in your preferred asset. No conversion markup. Just network gas fees.

Real Integration Speed: Getting Live in Hours, Not Weeks

NOWPayments and CoinPayments require API integration, compliance checks, and account approval processes.

Timeline: 1-3 weeks minimum.

Larecoin merchant onboarding:

1. Connect Web3 wallet

2. Generate payment QR codes

3. Start accepting crypto

Time required: Under 30 minutes.

No KYC delays. No account approval waiting. No compliance documentation for basic merchant services.

Your wallet address IS your merchant account. Smart contracts handle settlement automatically.

The Hidden Cost of "Crypto-Friendly" Traditional Processors

NOWPayments and CoinPayments position themselves as crypto-native solutions. But their fee structures mirror traditional payment processors.

They replaced Visa's 2.9% with 0.5-1%. Better. But still extracting a percentage tax on every transaction.

Larecoin operates on a fundamentally different model:

• No platform fees

• No percentage cuts

• No withdrawal penalties

• No conversion markups

You pay for network usage. That's it. The way crypto was designed to work.

Why Merchant Growth Accelerates with Larecoin

Processing $50K/month with traditional crypto processors costs $250-$500 in platform fees alone.

Same volume with Larecoin: Under $100 in gas fees.

That's $150-$400/month saved.

Scale that across 12 months. That's $1,800-$4,800 back in your business.

Invest in inventory. Marketing. Staff. Growth capital that compounds.

Percentage-based fees punish success. Gas-only pricing rewards scale.

Making the Switch: What to Expect

Migrating from NOWPayments or CoinPayments to Larecoin takes minimal technical effort.

For online merchants:

• Update payment widget to Larecoin gateway

• Generate new deposit addresses

• Redirect checkout flow

For physical retail:

• Generate Larecoin QR codes

• Display at point of sale

• Customer scans and pays

Existing crypto treasury? Transfer to your Larecoin smart wallet. Full self-custody from day one.

Most merchants complete migration in under 2 hours. No downtime. No customer disruption.

The Verdict: When Gas-Only Pricing Wins

NOWPayments and CoinPayments serve a purpose. They're established. Well-known. Familiar to crypto users.

But familiarity costs 50-80% more in fees.

Choose Larecoin if you want:

• Zero platform fees (gas only)

• Complete self-custody

• NFT receipt accounting

• LUSD stablecoin integration

• Receivables token liquidity

• Cross-chain swaps at cost

Traditional processors extract rent. Larecoin provides infrastructure.

Start slashing merchant fees today at larecoin.com/merchants.

Your business growth shouldn't fund their profit margins.