NOWPayments vs CoinPayments vs Larecoin: Which Self-Custody Crypto POS Cuts Your Fees by 50% AND Offers NFT Receipts?

![HERO] NOWPayments vs CoinPayments vs Larecoin: Which Self-Custody Crypto POS Cuts Your Fees by 50% AND Offers NFT Receipts?](https://cdn.marblism.com/0Bd2n-fZwIZ.webp)

You're getting crushed by percentage-based fees.

Every transaction bleeds profit. Your crypto payment processor charges 0.5% here, 1% there. At scale? That's thousands vanishing into thin air.

Meanwhile, your competitors figured it out. They're keeping more revenue per sale. They're issuing NFT receipts that customers actually want. They're running full self-custody operations.

Here's the breakdown you've been searching for.

The Three-Way Showdown: What Actually Matters

Feature	NOWPayments	CoinPayments	Larecoin
Self-Custody	Partial	Partial	Full
NFT Receipts	No	No	Yes
Platform Fee	0.5-1%	0.5-1%	0%
Fee Savings	Baseline	Baseline	50-80%
LUSD Stablecoin	No	No	Yes
US Compliance	Limited	Limited	MSB + MTL Strategy

One winner. Two pretenders.

NOWPayments and CoinPayments? They're playing the same old game. Custodial control. Percentage-based bleeding. Zero innovation on receipts.

Larecoin? Different animal entirely.

The Fee Math That Changes Everything

Let's run actual numbers. Not marketing fluff.

$500K Annual Processing Volume:

• NOWPayments: $2,500-$5,000 in fees

• CoinPayments: $2,500-$5,000 in fees

• Larecoin: Under $2,000 in gas costs

Savings: 50-60%

$1.2M Annual Processing Volume:

• NOWPayments: ~$9,000 in fees

• CoinPayments: $6,000-$12,000 in fees

• Larecoin: ~$2,000 in gas costs

Savings: 67-83%

$5M Annual Processing Volume:

• NOWPayments: $25,000+ in fees

• CoinPayments: $25,000+ in fees

• Larecoin: ~$5,000 in gas costs

Savings: 80%+

The pattern? Obvious.

Scale up, save more. That's the gas-only model. No percentage extraction. Just pennies per transaction on Solana's blazing-fast network.

Traditional processors scale their profits with your success. Larecoin? Flat costs regardless of transaction size.

Process $100 or $100,000. Same gas fee. Same control. Same speed.

Self-Custody: Who Actually Controls Your Money?

Here's the uncomfortable truth about "partial" self-custody.

NOWPayments holds your funds. They process. They control withdrawal windows. They set the terms.

CoinPayments? Same story. Your crypto sits in their custody until they decide to release it.

Larecoin eliminates the middleman entirely.

Full self-custody from day one.

Your wallet. Your keys. Your funds. No platform controls. No withdrawal delays. No "processing periods."

The Larecoin smart wallet connects directly to your POS. Transactions hit your address immediately. No custodial layer between you and your money.

This isn't just philosophy. It's practical risk management.

When exchanges collapse, custodial funds vanish. When platforms get hacked, your capital disappears. When regulations tighten, custodial services freeze accounts.

Self-custody = sovereignty.

Learn more about Larecoin's trust infrastructure.

NFT Receipts: The Feature You Didn't Know You Needed

NOWPayments? Regular receipts. CoinPayments? Regular receipts. Larecoin? NFT receipts that live forever on-chain.

Why does this matter?

Customer Experience: Collectors want proof of purchase that's actually collectible. Your receipt becomes a digital artifact. Tradeable. Displayable. Permanent.

Marketing Advantage: Every transaction creates a branded NFT. Your logo. Your design. Living in customer wallets. Free advertising every time they open their wallet.

Loyalty Programs: Stack benefits on receipt NFTs. Exclusive access. Discounts on future purchases. VIP tiers based on collection count.

Accounting Automation: Immutable records. Zero paper trails. Instant verification. Tax season becomes painless.

Traditional processors offer PDFs. Larecoin offers assets.

LUSD: The Stablecoin Built for Commerce

Bitcoin volatility kills commerce deals.

Customer pays 0.5 BTC. Market drops 8%. You lose money before you can convert.

Ethereum? Same problem. Price swings erase margins.

Enter LUSD. Larecoin's native stablecoin.

Stable by design. Built for payments.

Accept LUSD. No conversion necessary. No volatility risk. No price slippage between payment and settlement.

NOWPayments forces you into volatile assets or third-party stablecoins.

CoinPayments? Multiple stablecoin options but no native solution optimized for their ecosystem.

Larecoin built LUSD specifically for merchants. Tight peg. Deep liquidity. Instant settlement.

Your customer pays in LUSD. You receive LUSD. Value stays constant. Margins stay intact.

Want volatility exposure? Convert to LARE or other assets after settlement. On your terms. At your timing.

US Compliance: The Unsexy Advantage That Matters

Most crypto payment processors treat compliance like an afterthought.

Larecoin? Building the fortress first.

Money Services Business (MSB) registration strategy. State Money Transmitter License (MTL) compliance roadmap.

This means:

• Legitimate US operations

• Regulatory clarity for merchants

• Reduced legal risk

• Bank partnership viability

• Long-term operational security

When regulators crack down, compliant platforms survive. Non-compliant platforms vanish overnight.

NOWPayments operates in grey zones. Limited US-specific compliance framework.

CoinPayments? Similar situation. International focus without rigorous US regulatory infrastructure.

Larecoin is building for the regulated future. Today.

You're not just getting a payment processor. You're getting a partner that won't disappear when regulatory pressure intensifies.

The Gas-Only Model Explained

Traditional model: Platform fee + network fee.

Larecoin model: Network fee only.

That's it.

Solana gas fees average fractions of a cent. Your $10,000 transaction costs the same as your $10 transaction. Pennies.

No percentage extraction. No platform markup. No hidden fees.

The network charges gas. You pay gas. Nothing more.

This is possible because Larecoin isn't a custodial middleman. It's infrastructure. The smart contracts handle transactions directly. No corporate entity extracting rent from every payment.

Pure Web3 architecture. Zero parasitic fees.

Explore how Larecoin reduces merchant fees.

The Real Decision Matrix

Choose NOWPayments if: You're okay with custodial control and standard fees.

Choose CoinPayments if: You want multiple cryptocurrency options but don't care about innovation.

Choose Larecoin if: You want to keep more money, maintain full control, and access cutting-edge features.

The math is simple. The custody model is clear. The innovation gap is obvious.

Join the Larecoin Marathon

This comparison is part of Larecoin's 10-year blog marathon. We're documenting the evolution of Web3 payments in real-time. Every challenge. Every solution. Every merchant success story.

100+ posts. 10 years. One mission: Making crypto payments actually work for commerce.

Follow the complete marathon.

Get Started Today

Stop bleeding fees. Start keeping profit.

Set up your Larecoin merchant account. Connect your POS. Process your first gas-only transaction.

The future of payments isn't coming. It's here.

Visit larecoin.com to begin.

Your competitors already made the switch. Your margins are waiting.