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

Your Merchant Fees Are Bleeding Your Business Dry

Every crypto payment you process chips away at your profit margin.

Traditional crypto payment processors use percentage-based fees. The more you process, the more they take.

It's a tax on your success.

But there's a better way. One that breaks the percentage fee trap entirely.

The Percentage Fee Death Spiral

NOWPayments and CoinPayments follow the same playbook. Charge 0.5–1% per transaction. Add network fees. Tack on withdrawal penalties. Throw in currency conversion charges.

Your $100,000 in annual sales? That's $750–$1,000 gone. Just like that.

Scale to $1.2 million? Now you're paying $6,000–$12,000 annually.

Hit $5 million in volume? Kiss $25,000+ goodbye.

The cruel math: percentage fees compound with your growth.

Fee Structure Breakdown: The Real Cost

Here's what each platform actually charges:

NOWPayments:

• 0.5–1% transaction fee

• Network fees on top

• Withdrawal fees

• Currency conversion charges

• Hidden penalties for multi-coin acceptance

CoinPayments:

• 0.5–1% transaction fee

• Blockchain fees per coin

• Withdrawal penalties

• Conversion costs between cryptocurrencies

• Storage fees for holding funds

Larecoin:

• Zero platform fees

• Zero withdrawal fees

• Zero conversion penalties

• Only Solana gas: $0.001–$0.02 per transaction

One of these things is not like the others.

Real-World Savings: Show Me The Money

Let's run the numbers at different volume levels.

Small Business: $100,000 Annual Volume

NOWPayments/CoinPayments: $750–$1,000 in fees Larecoin: $300–$400 in gas costs Your Savings: 50%+ back in your pocket

Growing Business: $1.2 Million Annual Volume

NOWPayments: $9,000+ in fees CoinPayments: $6,000–$12,000 in fees Larecoin: ~$2,000 in gas Your Savings: $7,000+ annually

Established Business: $5 Million Annual Volume

NOWPayments/CoinPayments: $25,000+ in fees Larecoin: ~$5,000 in gas Your Savings: $20,000+ annually

The gap widens as you scale. That's not a bug. It's by design.

The 36-Month Reality Check

Process $100K monthly for three years.

NOWPayments will extract ~$28,000 from your business. CoinPayments takes ~$31,320. Larecoin costs ~$7,128 in gas.

That's $20,000+ saved over three years. Money that stays in your business instead of funding someone else's profit margin.

Why Gas-Only Beats Percentage Fees Every Time

Percentage fees are parasitic. They scale with your success and punish growth.

Gas fees are fixed costs. A $10 transaction costs the same to process as a $10,000 transaction on Solana.

The breakthrough: Solana's blockchain charges $0.001–$0.02 per transaction regardless of amount.

No hidden fees. No surprise charges. No percentage vampires draining your revenue.

Just pure, transparent, blockchain-based payments.

Beyond Fees: The Tech Advantage

Larecoin doesn't just slash fees. It reinvents the entire merchant payment stack.

NFT Receipts For Accounting

Every transaction generates an NFT receipt on the blockchain. Immutable. Auditable. Permanent.

Your accountant will actually thank you. Tax season becomes a blockchain query, not a shoebox full of paper receipts.

LUSD Stablecoin Integration

Accept payments in volatile crypto. Settle in LUSD stablecoin. Zero price risk.

You get crypto's speed and efficiency without the stomach-churning volatility.

Self-Custody Merchant Accounts

Your keys. Your coins. Your control.

No middleman holding your funds hostage. No withdrawal delays. No frozen accounts.

True financial sovereignty for your business.

The Receivables Token Revolution

Here's where it gets interesting.

Larecoin's receivables token system lets you tokenize future payments. Turn your payment streams into tradeable assets.

Need cash flow today instead of next week? Sell your receivables token. Get paid now.

It's factoring meets blockchain. And it's only possible with self-custody architecture.

NOWPayments and CoinPayments can't touch this. Their centralized models physically can't support receivables tokenization.

Global Reach Without The Fee Bloat

All three platforms claim global payment acceptance.

But only one does it without percentage fees eating into international transactions.

Accept payments from Tokyo to Toronto. Lagos to London. São Paulo to Singapore.

Larecoin processes them all at the same flat gas cost. No currency conversion premiums. No international transaction surcharges.

Just Web3 global payments that cost what they actually cost to process.

The Bank-Free Business Model

Traditional payment processors play nice with legacy banking. That's their competitive moat.

It's also their weakness.

Larecoin operates entirely on-chain. No bank accounts required. No ACH delays. No wire transfer fees.

You're not just saving on merchant fees. You're eliminating an entire layer of financial intermediation.

That's the reduce merchant interchange fees promise actually delivered.

Small Business, Big Impact

You're running a coffee shop. An online store. A consulting practice.

You don't have venture capital. You don't have fat profit margins to absorb percentage fees.

Every dollar counts.

Crypto POS system for small business means something different at Larecoin. It means tech built for operators, not VCs.

Gas-only pricing. Self-custody control. NFT receipt accounting. LUSD stability.

Tools that let you compete with enterprises without paying enterprise-level fees.

The Migration Path

Switching sounds painful. It's not.

1. Set up your Larecoin merchant account (10 minutes)

2. Generate your payment addresses

3. Integrate the API or use the hosted checkout

4. Start accepting payments

Your customers see a crypto payment option. You see gas-only costs and self-custody control.

No lengthy onboarding. No compliance nightmares. No percentage fees.

The Honest Comparison

NOWPayments and CoinPayments are solid platforms. They work. They process payments reliably.

But they're built on percentage fee models that fundamentally tax your growth.

Larecoin breaks that model. Gas-only costs. Blockchain-native architecture. True self-custody.

The math isn't debatable. The savings compound over time. The technical advantages enable business models impossible with traditional processors.

Your Next Move

Calculate your current payment processing volume. Multiply by 0.5–1%. That's your annual fee drain.

Now imagine keeping 50%+ of that money.

That's the Larecoin difference. Not marketing fluff. Just basic blockchain economics.

The question isn't whether to switch. It's how fast you can migrate.

Ready to slash your merchant fees? Start with Larecoin today.

Your profit margins will thank you.