NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Slashes Your Merchant Fees in 2026?

Merchant fees are killing your profits.

Traditional crypto payment processors take 0.5-1% per transaction. Plus network costs. Plus conversion fees. Plus withdrawal charges.

It adds up fast.

Time to cut the middleman. Time to see what gas-only actually means for your bottom line.

The Fee Breakdown Nobody Talks About

NOWPayments charges:

• 0.5-1% transaction fee

• Network gas fees

• Withdrawal fees

• Currency conversion costs

CoinPayments takes:

• 0.5% platform fee

• Blockchain network fees

• Settlement charges

• Conversion spreads

Larecoin operates differently:

• Zero platform fees

• Gas-only model

• No conversion charges

• No withdrawal fees

The difference? You keep what you earn.

Real Numbers at Scale

Let's run the math.

At $500K annual volume:

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

• Larecoin: Under $2,000 in gas

• Your savings: 50-60%

At $1M annual volume:

• NOWPayments/CoinPayments: $5,000-$10,000

• Larecoin: Under $2,000

• Your savings: 67-83%

At $5M annual volume:

• Traditional processors: ~$25,000

• Larecoin: ~$5,000

• Your savings: 50-80%

Scale up. Save more.

That's revenue returning to your business instead of feeding payment processors.

Why Gas-Only Changes Everything

Traditional crypto processors built their model on legacy finance.

They custody your funds. They charge percentage fees. They control settlement timing.

Sound familiar? It's the same model banks use.

Web3 was supposed to disrupt this.

Larecoin actually does.

Gas-only means you pay exactly what the blockchain charges. Nothing more. No platform taking their cut on top.

The Solana network processes transactions for pennies. That's your cost. Period.

No hidden fees. No surprise charges. No monthly minimums.

Settlement Speed Matters More Than You Think

CoinPayments: Minutes to hours depending on network congestion NOWPayments: ~5 minutes average Larecoin: 2-3 minutes with sub-second finality on Solana

Faster settlement = better cash flow.

Every minute your funds sit in processing purgatory is a minute you can't reinvest. Can't restock inventory. Can't pay suppliers.

Larecoin settles in under 3 minutes. Your crypto hits your wallet almost instantly.

Real-time liquidity. Real control.

Self-Custody vs Custodial: Your Keys, Your Crypto

Here's where it gets critical.

NOWPayments and CoinPayments use custodial models. They hold your funds. They control the keys. You wait for them to release your money.

Not your keys, not your crypto.

Larecoin operates non-custodial. Payments go directly to your wallet. You control the private keys from minute one.

Why this matters:

• No counterparty risk

• No platform freezes

• No terms of service violations

• True financial sovereignty

Web3 payments should mean merchant independence. Not swapping one gatekeeper for another.

LUSD Stablecoin: Price Stability Without Centralized Risk

Volatility kills merchant adoption.

Accept Bitcoin at $50K. Watch it drop to $45K before you convert. You just lost 10% of that sale.

Stablecoins solve this. But not all stablecoins are created equal.

USDT and USDC? Centralized. Issued by companies. Subject to freezes and regulatory pressure.

LUSD operates differently:

• Decentralized issuance

• Over-collateralized by ETH

• No central authority can freeze funds

• True algorithmic stability

Price stability meets Web3 principles.

You get dollar peg reliability without trusting Tether or Circle to play nice with your funds.

NFT Receipts: More Than Just Proof of Purchase

Every Larecoin transaction generates an NFT receipt.

Sounds gimmicky? Think bigger.

NFT receipts unlock:

• Permanent proof of purchase

• Warranty tracking on-chain

• Loyalty program integration

• Resale royalties on high-ticket items

• Customer relationship data you actually own

Traditional processors give you CSV exports. Larecoin gives you programmable, tradeable proof of every transaction.

Build customer relationships. Enable secondary markets. Create loyalty programs with actual ownership.

The receipt becomes the relationship.

The Cryptocurrency Support Philosophy

CoinPayments: 2,000+ cryptocurrencies NOWPayments: 200-300+ currencies Larecoin: Solana ecosystem focused

More isn't always better.

Supporting 2,000 cryptocurrencies means complex integrations. Slow settlements. High maintenance. And let's be honest: nobody's paying with DogeCoin knockoff #847.

Larecoin focuses on Solana and LUSD.

Why this matters:

• Fastest settlement times

• Lowest gas fees

• Highest security standards

• Simplified merchant experience

Quality over quantity. Focus over features nobody uses.

You don't need 2,000 payment options. You need fast, cheap, reliable settlement in tokens people actually use.

DAO Governance: You Have a Voice

NOWPayments and CoinPayments make unilateral decisions.

Fee increases? They announce. You comply.

New policies? They implement. You adapt.

Larecoin operates with DAO governance.

Token holders vote on protocol changes. Fee structures. New features. Platform direction.

Your transaction volume gives you skin in the game. Your stake gives you voting power.

Community-driven development. Merchant-focused priorities.

The platform evolves based on actual user needs, not corporate quarterly targets.

The Real Cost of "Cheap" Processing

0.5% sounds small.

Run it at scale and watch it devastate margins.

A restaurant doing $2M annually? That's $10,000 in processing fees.

An e-commerce store at $5M? $25,000 gone.

Multiple locations at $10M combined? $50,000 in fees.

That's not operating costs. That's pure profit extraction.

Larecoin cuts this to gas-only. $5,000-$10,000 total at those volumes.

The savings compound. The difference compounds. Your growth compounds.

Implementation Takes Minutes, Not Months

Traditional processor onboarding means:

• Lengthy applications

• Credit checks

• Bank account verification

• Multi-week approval processes

Larecoin setup requires:

• Create wallet

• Connect to Larecoin POS

• Start accepting payments

No credit checks. No bank approvals. No waiting.

Web3 payments mean Web3 onboarding. Fast. Permissionless. Global from day one.

Make the Switch

The numbers speak clearly.

Traditional crypto processors charge legacy fees for Web3 payments. They custody your funds. They control your cash flow. They extract percentage fees at every transaction.

Larecoin eliminates the middleman.

Gas-only pricing. Non-custodial architecture. Sub-3-minute settlement. NFT receipts. LUSD stability. DAO governance.

Your fees drop 50-80%. Your control increases 100%.

Merchant fees are eating your profits. Stop feeding the processors.

Explore Larecoin and see what gas-only actually costs.

Your margins will thank you.