NOWPayments vs CoinPayments vs Triple-A vs Larecoin: Which Crypto POS System Actually Cuts Your Merchant Fees by 50%?

Merchant fees. The silent killer eating 2-3% of every transaction.

Traditional crypto payment processors claim they're "low-cost." But are they really?

NOWPayments charges 0.5-1%. CoinPayments takes 0.5-1% flat. Triple-A sits at 0.7-1.5%.

Larecoin? Gas fees only. Zero percentage take.

Let's break down what that actually means for your bottom line.

The Real Cost Nobody Talks About

$100,000 in annual sales through crypto payments.

NOWPayments/CoinPayments: $500-$1,000 in fees Triple-A: $700-$1,500 in fees Larecoin: $50-$150 in gas fees

Scale that to $1 million.

NOWPayments/CoinPayments: $5,000-$10,000 gone Triple-A: $7,000-$15,000 vanished Larecoin: $500-$1,500 total cost

That's 80% savings at scale. Not 50%. Eighty.

The difference? Every competitor takes a percentage. Larecoin charges only what the blockchain requires: network gas fees. Nothing more.

Why Gas-Only Transfers Change Everything

Traditional crypto processors act as middlemen. They hold your funds. Convert for you. Settle on their schedule.

Each step costs money. Their money.

Larecoin eliminates the middleman entirely. Payments go directly to your wallet. On-chain. Instant. Self-custody from second one.

No conversion fees. No settlement delays. No "processing windows."

Your customer pays. You receive. Done.

The LUSD stablecoin adds another layer. Merchants can accept payments in LUSD: dollar-pegged, blockchain-native, zero volatility risk. Price stability without custodial exchange exposure.

Master/Sub-Wallet Architecture: Multiple Stores, One Control Panel

Running multiple locations? Different product lines? Franchise model?

NOWPayments gives you one merchant account. CoinPayments offers basic multi-wallet support. Triple-A requires separate integrations per location.

Larecoin's master/sub-wallet system lets you manage unlimited payment endpoints from one dashboard. Each location gets its own receiving wallet. You control everything from HQ.

Track revenue per store. Monitor transaction flow across channels. Reconcile automatically.

Zero additional setup fees. Zero per-location charges.

QR-Generated POS: Setup in Under 60 Seconds

Forget complex integrations. No developer required.

Generate a QR code. Customer scans. Payment completes.

That's the entire Larecoin POS setup. Works in-store, online, pop-up events, farmer's markets, trade shows.

NOWPayments needs API integration. CoinPayments requires merchant account verification. Triple-A demands compliance documentation before activation.

Larecoin? Generate. Scan. Done.

Self-custody means no "pending approval" status. No waiting for platform verification. You control the wallet: you control the payments immediately.

NFT Receipts: The Future of Transaction Records

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

Why does this matter?

Traditional receipts disappear. Email gets deleted. Paper fades. Digital files corrupt.

NFT receipts live on-chain forever. Proof of purchase that can't be disputed, altered, or lost.

For merchants? Instant dispute resolution. Customer claims they didn't receive the product? The NFT receipt shows exact transaction time, amount, and wallet addresses.

For customers? Permanent warranty records. Resale verification. Authentic proof of purchase for high-value items.

None of the competitors offer this. NOWPayments gives standard transaction logs. CoinPayments provides basic records. Triple-A issues conventional receipts.

Larecoin makes every transaction a permanent blockchain artifact.

Compliance That Actually Matters: MSB + MTL Coverage

"Decentralized" doesn't mean "unregulated."

Larecoin holds federal Money Services Business (MSB) registration. State-level Money Transmitter Licenses (MTL) across the U.S.

Full compliance. Full transparency. Full trust.

NOWPayments operates under Estonian regulation. CoinPayments registered in Canada. Triple-A compliant in Singapore.

All valid. None with U.S.-specific MTL coverage at scale.

For American merchants, this matters. You're not relying on foreign regulatory frameworks. You're working with a platform that meets your local compliance requirements.

Check the trust page for complete licensing documentation.

The B2B2C Metaverse Vision: Shopping in VR/AR

Think crypto payments stop at POS terminals?

Larecoin's building the next layer. Social shopping in a B2B2C metaverse.

Browse products in VR. Try virtual clothing with AR. Shop with friends in shared digital spaces. Pay instantly with crypto. Receive NFT proof of purchase. Get items delivered to physical or digital addresses.

NOWPayments processes payments. CoinPayments handles transactions. Triple-A manages checkout flows.

None are building social commerce infrastructure. None are integrating metaverse shopping experiences.

Larecoin's architecting the entire ecosystem. Payments are just the first layer.

Virtual storefronts. NFT product catalogs. In-world payment rails. Cross-reality commerce.

The technology exists today. The infrastructure is live on Solana. The vision launches throughout 2026.

The Technical Stack Nobody Else Has

Solana Integration: Sub-second finality, 65,000 TPS capacity, minimal gas fees LUSD Stablecoin: Dollar-pegged stability without custodial risk Self-Custody Architecture: Funds never touch platform wallets Master/Sub-Wallet System: Unlimited payment endpoints, single control panel NFT Receipt Generation: Immutable transaction records on-chain QR POS System: Instant setup, zero integration complexity

Compare that to competitors:

NOWPayments: 300+ coins, custodial model, traditional receipts CoinPayments: 2,000+ coins, custody required, standard accounting Triple-A: Regional compliance, limited coins, conventional infrastructure

Larecoin: Built different from protocol level up.

Real Scenarios, Real Savings

Coffee Shop Chain (15 locations): $500,000 annual crypto payment volume

• NOWPayments cost: $2,500-$5,000

• Larecoin cost: $250-$750

• Savings: $2,250-$4,250 annually

E-commerce Store: $2,000,000 annual volume

• CoinPayments cost: $10,000-$20,000

• Larecoin cost: $1,000-$3,000

• Savings: $9,000-$17,000 annually

Multi-Location Retail: $5,000,000 annual volume

• Triple-A cost: $35,000-$75,000

• Larecoin cost: $2,500-$7,500

• Savings: $32,500-$67,500 annually

The math doesn't lie. Percentage fees compound at scale. Gas-only pricing stays flat.

What You Give Up (Nothing)

Lower fees usually mean fewer features. Not here.

Larecoin maintains:

• Full regulatory compliance

• Instant settlement finality

• Unlimited transaction volume

• Multi-wallet management

• NFT receipt generation

• Metaverse integration roadmap

You're not sacrificing functionality for cost savings. You're getting more features for less money.

The 10-Year Marathon: Building Real Infrastructure

This comparison is one piece of a 100-post series documenting Larecoin's decade-long infrastructure build.

Not hype. Not speculation. Real technology solving real merchant problems.

Fee reduction is the entry point. Self-custody, NFT receipts, metaverse commerce: that's the destination.

NOWPayments, CoinPayments, and Triple-A built payment processors. Solid products. Proven track records.

Larecoin's building the next economy. Payments are just the starting line.

Making the Switch

Current crypto payment processor eating 0.5-1.5% of revenue?

Calculate annual crypto volume. Multiply by 0.01 (average 1% fee). Compare to Larecoin's gas-only model.

Difference is pure profit returned to your business.

Setup takes minutes. Master wallet generation. Sub-wallet deployment. QR code creation.

Start small. Test one location. Measure savings. Scale across operations.

The infrastructure is live. The savings are real. The future is being built right now.

Check out more on merchant fee reduction strategies or explore the full ecosystem at larecoin.com.

The question isn't whether crypto payments save money. It's whether you're using the platform that saves the most money while building toward the future of commerce.

Gas-only. Self-custody. NFT receipts. Metaverse ready.

That's Larecoin.