NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Slashes Your Merchant Fees Fastest?

The 3% Card Fee Problem Every Merchant Faces

You're losing money on every transaction.

Traditional payment processors charge 2-3% per swipe. Add chargeback fees. Withdrawal fees. Currency conversion fees.

That $100,000 in annual revenue? You're handing $3,000+ to payment processors.

Crypto POS systems promise to fix this. But do they deliver?

Let's break down the real costs.

The Quick Comparison: Who Actually Saves You Money?

Feature	NOWPayments	CoinPayments	Larecoin
Platform Fee	0.5-1%	0.5-1%	Zero
Network Costs	Yes (additional)	Yes (additional)	Gas-only ($0.001-$0.02)
Withdrawal Fees	Yes	Yes	None
Conversion Fees	Yes	Yes	None
Custody Model	They hold your funds	They hold your funds	You control everything

One platform charges nothing. The other two charge for everything.

NOWPayments: The "Low Fee" Trap

NOWPayments advertises 0.5% fees. Sounds great.

Until you process $100,000.

Real Cost Breakdown:

• Platform fee: $500

• Withdrawal fees: $150-$300

• Network fees: Variable

• Currency conversion: Another 1-2%

Total annual cost: $750-$1,000+

You're still bleeding money. Just less than traditional cards.

The problem? Those percentage fees scale with your success. The more you process, the more they take.

CoinPayments: Same Story, Different Logo

CoinPayments runs the identical playbook.

0.5% base fee. Looks competitive. Then they stack on extras.

Hidden costs:

• Withdrawal to external wallet: 0.5% minimum

• Fiat conversion: 1%+

• Cross-chain transfers: Network fees plus platform markup

• Monthly volume tiers: Better rates only at massive scale

For $500,000 annual processing: You're paying $2,500-$5,000 in fees.

Both platforms operate custodial wallets. They control your crypto. They set withdrawal schedules. You're asking permission to access your own money.

Larecoin: Gas-Only Architecture Changes Everything

Zero platform fees means zero platform fees.

No percentage cuts. No withdrawal charges. No conversion markups.

You pay:

• Solana network gas (typically $0.001-$0.02 per transaction)

• That's it

Real math for $100,000 annual processing:

• Average transaction: $50

• Total transactions: 2,000

• Gas cost per transaction: $0.015

• Annual fee total: $30

Compare that to $750-$1,000 from competitors.

The Numbers Don't Lie: Savings at Every Scale

$100K Annual Volume:

• NOWPayments/CoinPayments: $750-$1,000

• Larecoin: ~$300-$400

• Savings: 50%+

$500K Annual Volume:

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

• Larecoin: <$2,000

• Savings: 60%+

$1.2M Annual Volume:

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

• Larecoin: ~$2,000

• Savings: 67-83%

$5M Annual Volume:

• NOWPayments/CoinPayments: $25,000+

• Larecoin: ~$5,000-$6,000

• Savings: 80%+

The gap widens as you grow. Percentage fees punish success. Gas-only fees stay flat.

Self-Custody: Your Money, Your Control

NOWPayments and CoinPayments hold your crypto in custodial wallets.

What this means:

• They can freeze accounts

• They control withdrawal timing

• They set the rules

• You're trusting a third party

Larecoin operates differently. Self-custody merchant accounts put you in control.

Your keys. Your crypto. Your rules.

No intermediary holding funds. No waiting for withdrawal approval. Instant settlement to your wallet.

This isn't just about fees. It's about financial sovereignty.

NFT Receipts for Accounting: The Tax Advantage

Every Larecoin transaction generates an NFT receipt.

Immutable. Timestamped. Blockchain-verified.

Why accountants love this:

• Automatic transaction logs

• No manual reconciliation

• Audit-ready documentation

• Simplified crypto receivables tracking

NOWPayments and CoinPayments provide transaction histories. But they're centralized databases. Larecoin embeds proof directly into the blockchain.

Your CPA will thank you at tax time.

LUSD Stablecoin Benefits: Price Stability Without Volatility

Crypto volatility scares merchants.

Bitcoin drops 10% overnight. Your revenue fluctuates. Your accounting team panics.

Larecoin integrates LUSD (Liquity USD) for merchants wanting stability.

LUSD advantages:

• Decentralized stablecoin (no company controlling the peg)

• Fully backed by ETH collateral

• No algorithmic tricks or centralized reserves

• 1:1 USD peg maintained through overcollateralization

Accept payments in LUSD. Avoid volatility. Keep crypto benefits.

NOWPayments and CoinPayments support various stablecoins. But they charge conversion fees. Larecoin doesn't.

Technical Stack: Why Solana Makes This Possible

Larecoin built on Solana for a reason.

Solana network specs:

• Transaction finality: 400 milliseconds

• Cost per transaction: $0.00025 average

• Throughput: 65,000 TPS capacity

• No congestion during peak usage

Ethereum gas fees spike to $50+ during network congestion. Solana stays under $0.02.

This enables the gas-only model. No platform fees required because infrastructure costs remain negligible.

The Web3 Global Payments Advantage

Traditional payment processors restrict by geography.

Want to accept payments from Southeast Asia? Extra fees. Latin America? Limited support. Africa? Good luck.

Larecoin operates globally by default.

No geographic restrictions:

• Accept crypto from any country

• No currency conversion fees

• Instant cross-border settlement

• 24/7/365 operation (no banking hours)

Your business goes global without asking permission from payment processors.

Who Wins This Comparison?

Choose NOWPayments if:

• You want familiar custodial infrastructure

• You're processing under $50K annually

• You don't mind percentage fees

Choose CoinPayments if:

• Same as above

• You like their specific altcoin support

Choose Larecoin if:

• You're serious about reducing merchant interchange fees

• You want self-custody merchant accounts

• You process $100K+ annually (the savings compound)

• You value financial sovereignty

• You need NFT receipts for accounting

• You want LUSD stablecoin benefits without conversion fees

The Bottom Line: Math Beats Marketing

Percentage fees compound. Gas fees stay flat.

The more successful your business becomes, the wider the savings gap grows.

At $5M annual processing, you save $20,000+ per year with Larecoin. That's not marketing hype. That's simple arithmetic.

NOWPayments and CoinPayments built traditional business models with crypto features added on top. Larecoin started from blockchain principles and built upward.

Different foundations produce different results.

Get Started: Set Up Takes 10 Minutes

Ready to slash merchant fees by 50-83%?

Larecoin setup process:

1. Create self-custody wallet

2. Configure payment settings

3. Integrate POS system

4. Start accepting crypto

No credit checks. No application process. No waiting for approval.

Visit larecoin.com to begin.

Your merchant fees won't reduce themselves.