NOWPayments vs CoinPayments vs Larecoin: Which Is Better For Your Crypto POS System?

The Real Cost of Processing Crypto Payments

Most merchants pick their crypto payment processor based on how many coins it supports.

Big mistake.

The fees you pay every month matter way more than supporting 2,000 obscure altcoins nobody uses.

Here's the truth: 98% of actual crypto payment volume happens with Bitcoin, Ethereum, and stablecoins. You don't need to accept Dogecoin derivatives to run a successful crypto POS system.

You need to understand the fee structures.

Quick Comparison Overview

NOWPayments: Enterprise-focused. Percentage-based fees. Strong auditability. KYB verification required.

CoinPayments: Maximum altcoin support. Similar fee structure to NOWPayments. Custodial model. Withdrawal delays.

Larecoin: Gas-only pricing on Solana. Self-custody. NFT receipts. Sub-second finality. No platform fees.

Different business models. Different cost profiles. Let's break it down.

The Fee Math That Changes Everything

NOWPayments & CoinPayments Fee Structure

Both platforms charge 0.5% to 1% per transaction depending on your volume tier.

Plus network fees.

Plus withdrawal fees.

Plus conversion spreads if you're settling to fiat.

These percentage-based fees scale with your success. The more you process, the more you pay. Sounds fair until you run the numbers.

Larecoin Fee Structure

Gas-only model.

You pay Solana network fees. That's it. Typically pennies per transaction: even during peak usage.

No platform fees. No withdrawal fees. No conversion spreads. No custody fees.

The network charges you directly. Larecoin takes nothing.

Volume-Based Savings Analysis

Let's compare annual costs at different processing volumes:

Processing $500,000 Annually

NOWPayments/CoinPayments: $2,500 - $5,000 in platform fees Larecoin: Under $2,000 in total network fees Savings: 50-60%

Small difference for smaller merchants. But watch what happens as you scale.

Processing $1,000,000 Annually

NOWPayments/CoinPayments: $5,000 - $10,000 in platform fees Larecoin: Under $2,000 in total network fees Savings: 67-83%

Now we're talking. That's $3,000 to $8,000 staying in your business instead of going to payment processors.

Processing $5,000,000 Annually

NOWPayments/CoinPayments: ~$25,000 in platform fees Larecoin: ~$5,000 in total network fees Savings: 50-80%

At this volume, percentage-based fees become brutal. You're literally paying tens of thousands for the privilege of accepting payments.

Gas-only pricing eliminates that drag on your margins.

Beyond Fees: Feature Breakdown

Settlement Speed

NOWPayments: ~5 minutes average CoinPayments: Minutes to hours depending on network congestion Larecoin: Sub-second finality on Solana. 2-3 minute total processing.

Speed matters in retail environments. Nobody wants to wait at checkout. Solana's architecture eliminates settlement uncertainty.

Cryptocurrency Support

CoinPayments: 2,000+ cryptocurrencies NOWPayments: 200+ cryptocurrencies Larecoin: Solana ecosystem assets plus cross-chain bridges

Here's the reality check: supporting 2,000 cryptos is a marketing feature, not a business advantage.

98% of actual payment volume happens with Bitcoin, Ethereum, USDC, USDT, and similar mainstream assets. Larecoin supports all of them.

Unless your customers are specifically demanding obscure altcoins, the extra 1,950 coins you'll never use don't justify paying percentage-based fees forever.

NFT Receipts

Larecoin only.

Every transaction generates an NFT receipt that serves as:

• Programmable proof of purchase

• Loyalty reward mechanism

• Verification asset for warranty claims

• Collectible for brand engagement

NOWPayments and CoinPayments issue standard transaction confirmations. Larecoin turns every sale into a potential engagement opportunity.

Custody Models

NOWPayments & CoinPayments: Custodial model. They hold your funds. You request withdrawals.

Larecoin: Self-custody with direct wallet integration. You control your keys. You control your money.

No withdrawal delays. No custody risk. No waiting for permission to access your own revenue.

When Each Processor Makes Sense

Choose NOWPayments If You:

• Need enterprise-level auditability features

• Operate in heavily regulated industries

• Process high-risk transactions requiring extensive KYB documentation

• Want a traditional processor with straightforward compliance

NOWPayments excels at serving enterprises and Web3 treasuries that prioritize control and audit trails over cost optimization.

Choose CoinPayments If You:

• Must support extremely niche altcoins

• Have customers demanding specific obscure cryptocurrencies

• Don't mind custodial models and withdrawal delays

• Process low enough volume that percentage fees don't hurt

CoinPayments offers maximum altcoin diversity. Just remember that less than 2% of payment volume actually uses those coins.

Choose Larecoin If You:

• Process $500,000+ annually in crypto payments

• Want to minimize transaction costs as you scale

• Value self-custody and financial independence

• Need fast settlement for point-of-sale environments

• Want Web3-native features like NFT receipts

• Prefer decentralized infrastructure over custodial platforms

Larecoin makes sense when you're scaling and fees matter. Or when you want to build Web3-native customer experiences that go beyond basic payment processing.

The Real Question: What's Your Volume?

For merchants processing under $100,000 annually, fee differences are modest. Pick based on features and altcoin requirements.

For merchants processing $500,000+, fee structures become critical. Percentage-based fees compound into serious money at scale.

For merchants processing $1,000,000+, gas-only pricing saves tens of thousands annually. That's profit margin you keep instead of giving to intermediaries.

Technical Considerations

Integration Complexity

All three platforms offer plugin integrations for major e-commerce systems. Setup difficulty is comparable.

NOWPayments emphasizes enterprise onboarding support. CoinPayments provides extensive API documentation. Larecoin focuses on Web3-native integrations and direct wallet connections.

Network Reliability

Solana has experienced occasional network congestion. Bitcoin and Ethereum networks also face congestion during peak demand.

The difference: Solana's architecture typically resolves congestion within minutes. Bitcoin can experience multi-hour delays during high network usage.

For point-of-sale environments, sub-second finality matters more than maximum theoretical uptime.

Fee Structures Determine Long-Term Costs

Most merchants compare feature lists and coin support.

Smart merchants compare fee projections at their expected volume.

A platform charging 0.5% seems reasonable until you process $2 million annually and realize you're paying $10,000 in platform fees alone.

Gas-only pricing on Solana means your costs stay predictable and minimal regardless of your success. You pay for network usage, not platform profit margins.

Making Your Decision

Calculate your expected annual volume.

Multiply by 0.5% to 1% for NOWPayments/CoinPayments costs.

Compare to Larecoin's gas-only model (typically under $2,000 annually even at high volumes).

Factor in settlement speed, custody control, and Web3 features like NFT receipts.

The right choice depends on whether you prioritize maximum altcoin support or minimum long-term fees.

For most merchants processing serious volume, gas-only pricing wins. For enterprises needing extensive altcoin options and don't mind custodial models, traditional processors work fine.

Get Started

Ready to eliminate percentage-based fees from your crypto payment stack?

Explore Larecoin's merchant solutions and see how gas-only pricing changes the economics of accepting crypto at scale.

Questions about integration, volume projections, or technical requirements? The Larecoin community provides direct support for merchants building on decentralized payment infrastructure.

Stop paying percentage fees forever. Start paying only for network usage.