NOWPayments vs CoinPayments vs Larecoin: Which Self-Custody Crypto POS System Saves You the Most?

Crypto payment processors promise freedom from traditional payment rails. But most still operate like old-school gatekeepers: holding your funds, charging percentage-based fees, and controlling your access.

Let's cut through the noise. This comparison focuses on what actually matters: your custody, your fees, and your control.

The Self-Custody Reality Check

Here's the first filter that matters. Only Larecoin offers true self-custody among these three platforms.

NOWPayments and CoinPayments both use custodial wallet systems. Your crypto lands in their wallets first. Then you request withdrawals. Then you wait. Then you pay withdrawal fees. Then you finally get access to your own money.

Larecoin settles directly to your wallet. No intermediary. No withdrawal requests. No waiting periods. Your keys. Your crypto. Always.

For merchants valuing independence and financial sovereignty, this isn't a feature comparison: it's a fundamental architectural difference. The other two can't match true self-custody because their business models depend on holding your funds.

Fee Structure Breakdown

Let's talk numbers. Real numbers.

NOWPayments and CoinPayments:

• 0.5% to 1% platform fee per transaction

• Network fees on top

• Withdrawal charges

• Currency conversion spreads

• Fees scale with your revenue

Larecoin:

• Zero platform fees

• Only gas costs (Solana network fees)

• Typically pennies per transaction

• No withdrawal fees (because you already have the funds)

• Fixed costs regardless of transaction size

The percentage-based model hurts as you grow. The gas-only model rewards your success.

Volume-Based Savings Comparison

Math doesn't lie. Let's calculate actual costs at different processing volumes.

$500,000 Annual Processing Volume:

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

• Larecoin: Under $2,000 in gas costs

• Your savings: 50-60%

$1,000,000 Annual Processing Volume:

• NOWPayments/CoinPayments: $5,000 to $10,000 in fees

• Larecoin: Under $2,000 in gas costs

• Your savings: 67-83%

$5,000,000 Annual Processing Volume:

• NOWPayments/CoinPayments: Approximately $25,000 in fees

• Larecoin: Around $5,000 in gas costs

• Your savings: 50-80%

The gap widens as you scale. Every transaction on Larecoin costs the same: a few cents in Solana gas. Every transaction on percentage-based platforms bleeds more of your revenue.

Settlement Speed and Finality

Speed matters when you're running a business.

Larecoin: 2-3 minutes average settlement with sub-second finality on Solana. Transaction confirmed? Funds are in your wallet. Done.

NOWPayments: Approximately 5 minutes average settlement. But funds still land in their custody, not yours.

CoinPayments: Variable settlement times depending on blockchain. Still custodial model with withdrawal delays.

Faster finality means faster business decisions. Know exactly what you have. No waiting for batch processing or withdrawal approvals.

Cryptocurrency Support Philosophy

Here's where trade-offs get interesting.

CoinPayments: 2,000+ cryptocurrencies supported. Maximum variety. Maximum complexity.

NOWPayments: 200+ cryptocurrencies. Still extensive coverage.

Larecoin: Focused on Solana ecosystem with bridge capabilities. Fewer options. Optimized for speed and cost.

More isn't always better. Larecoin prioritizes the fastest, cheapest blockchain infrastructure available. Every supported chain meets strict criteria for transaction speed and cost efficiency. Quality over quantity.

If your customers need to pay with obscure tokens, the other platforms win. If your customers value fast, cheap transactions in major cryptocurrencies and stablecoins, Larecoin's focused approach delivers superior results.

The LUSD Stablecoin Advantage

Volatility concerns stop many merchants from accepting crypto. Larecoin solves this with LUSD integration: a decentralized stablecoin pegged to USD.

Accept crypto payments. Settle in LUSD. Eliminate volatility risk. Maintain price stability without centralized stablecoin counterparty risk.

NOWPayments and CoinPayments offer fiat offramps and conversion services: but these add fees, delays, and intermediaries. LUSD keeps you on-chain, in self-custody, with stable value.

NFT Receipt Innovation

Every Larecoin transaction generates an NFT receipt. Permanent. Immutable. Verifiable.

These aren't gimmicks. They're on-chain proof of purchase that enables:

• Loyalty programs built on transaction history

• Token-gated rewards for customers

• Automated accounting with cryptographic verification

• Customer relationship tools native to Web3

Traditional payment processors give you CSV exports. Larecoin gives you composable, programmable transaction records that integrate with the broader Web3 ecosystem.

Neither NOWPayments nor CoinPayments offer anything comparable. Their receipts exist in their databases, not on-chain.

Real-World Merchant Scenarios

Scenario 1: Coffee Shop Processing $50,000 Monthly

With percentage-based processors: $250-$500 monthly in platform fees alone. Plus network fees. Plus withdrawal costs. Annual cost: $3,000-$6,000+.

With Larecoin: Roughly $20-$40 monthly in gas costs. Annual cost: Under $500. Savings: 80-90%+ annually.

Scenario 2: E-commerce Store Processing $200,000 Monthly

With percentage-based processors: $1,000-$2,000 monthly in platform fees. Annual cost: $12,000-$24,000+.

With Larecoin: Approximately $80-$120 monthly in gas costs. Annual cost: Under $1,500. Savings: 85-95%+ annually.

The difference funds hiring, inventory, marketing, growth. Real money staying in your business instead of evaporating to payment processor fees.

Access and Control Trade-offs

NOWPayments and CoinPayments offer convenience features Larecoin doesn't: fiat offramps, managed wallets, customer support for key recovery, compliance interfaces.

These come at a cost: both in fees and in custody. You're trading sovereignty for support. For some merchants, that's the right choice. For merchants serious about crypto-native operations, it's an unnecessary compromise.

Larecoin's philosophy: Merchants comfortable with self-custody don't need babysitting. Give them the tools. Get out of their way. Let them keep their money.

Integration and Setup

All three platforms offer API integration and payment widgets. Setup complexity is comparable.

The difference appears after integration. With custodial platforms, you're managing accounts, setting withdrawal schedules, monitoring balance minimums. With Larecoin, you're just monitoring your wallet. Simpler operations. Fewer variables.

The Bottom Line for Merchants

If you need maximum cryptocurrency variety and don't mind custodial control, CoinPayments might fit. If you want moderate variety with slightly better interfaces, NOWPayments works.

If you want true self-custody, minimal fees, instant access, NFT receipts, LUSD stability, and merchant independence, Larecoin is the only option among these three that delivers.

The crypto payment space needs disruption. Platforms that look like Web2 payment processors with crypto bolt-ons aren't the future. Platforms built natively for decentralization, self-custody, and merchant sovereignty are.

Larecoin doesn't just process crypto payments. It gives merchants the freedom crypto was designed to enable.

Your funds. Your control. Your savings. Simple as that.

Ready to see the difference? Check out how Larecoin reduces merchant fees with true Web3 payments architecture. Or explore the Larecoin ecosystem and start accepting crypto on your terms.