NOWPayments Vs Larecoin: Which Crypto POS System Actually Slashes Interchange Fees by 50%?

Interchange fees are killing your margins.

Every swipe. Every tap. Every transaction. Traditional payment processors take 2-3% right off the top. For high-volume merchants, that's thousands, sometimes millions, gone. Poof.

Crypto POS systems promise a way out. But here's the thing: not all of them deliver.

NOWPayments and Larecoin both claim to revolutionize merchant payments. Both offer crypto acceptance. Both talk a big game about lower fees.

Only one actually slashes your interchange fees by 50% or more.

Let's break it down.

The Interchange Fee Problem Nobody Talks About

Traditional card networks charge merchants between 1.5% and 3.5% per transaction. That's before gateway fees. Before processor markups. Before chargebacks eat into your revenue.

The average U.S. merchant pays roughly $0.21 + 1.81% per transaction. Scale that to $1 million in annual sales? You're hemorrhaging $20,000+ just to accept payments.

Crypto POS systems were supposed to fix this.

Some did. Most didn't.

NOWPayments: What You Actually Get

NOWPayments is a solid crypto payment gateway. No argument there.

The basics:

• Processing fees starting at 0.4% per transaction

• 200+ cryptocurrencies supported

• No deployment fees for POS terminals

• Auto-conversion to fiat available

Sounds good on paper. And for basic crypto acceptance? It works.

But here's where it falls short:

NOWPayments operates as a custodial solution. Your funds flow through their system first. They hold the keys. They control the timing.

That 0.4% fee? It's just the beginning. Factor in:

• Conversion spreads when auto-converting to fiat

• Withdrawal fees

• Network fees passed to merchants

• Hidden costs in exchange rates

The "lowest fees in the sphere" claim starts looking less impressive when you stack up the total cost of ownership.

And the big one: no meaningful interchange fee reduction for traditional card acceptance.

NOWPayments handles crypto-to-crypto and crypto-to-fiat conversions. It doesn't fundamentally restructure how merchants interact with the payment ecosystem. Your Visa and Mastercard interchange fees? Still there. Still bleeding you dry.

Larecoin: Built Different From Day One

Larecoin isn't just another crypto payment processor.

It's a complete Web3 payments ecosystem designed specifically to slash merchant costs by 50% or more.

Here's what that actually means:

The Larecoin architecture eliminates intermediaries. No middlemen taking cuts. No custodial holding patterns. Direct merchant-to-customer transactions with full self-custody.

Core advantages:

• 50%+ interchange fee reduction on qualifying transactions

• Self-custody, you hold your keys, always

• LUSD stablecoin for price stability

• NFT receipts for immutable transaction records

• Gas-only transfers on supported networks

• Push-to-card for instant fiat off-ramps

The 50% Fee Reduction: How It Actually Works

Let's get specific.

Traditional interchange fees exist because multiple parties touch your money:

1. Card network (Visa/Mastercard)

2. Issuing bank

3. Acquiring bank

4. Payment processor

5. Gateway provider

Each one takes a cut. Each one adds friction. Each one increases your cost per transaction.

Larecoin collapses this stack.

When a customer pays via the Larecoin ecosystem:

• No card network fees

• No issuing bank fees

• No acquiring bank fees

• Minimal network gas fees only

The result? Transaction costs drop from 2-3% to under 1%, often as low as 0.5% for stablecoin transactions.

That's not marketing fluff. That's math.

For a merchant processing $500,000 annually, switching from traditional card rails to Larecoin saves approximately $7,500-$12,500 per year in fees alone.

Scale to $5 million? You're looking at $75,000+ back in your pocket.

NFT Receipts: Not a Gimmick

Most merchants hear "NFT" and think jpegs of bored primates.

NFT receipts are different. They're utility.

What NFT receipts actually do:

• Create immutable, on-chain records of every transaction

• Eliminate receipt fraud and disputes

• Provide instant verification for warranty claims

• Enable loyalty program integration

• Simplify accounting and tax documentation

Every Larecoin transaction can mint an NFT receipt automatically. No extra cost. No extra steps.

Try doing that with NOWPayments. You can't.

LUSD Stablecoin: Stability Without Sacrifice

Crypto volatility scares merchants. Understandably.

Accept $100 in Bitcoin. Wake up to $85. That's not a payment, that's a gamble.

LUSD solves this.

Larecoin's native stablecoin maintains 1:1 USD parity. Merchants receive payment in LUSD, hold in LUSD, and convert when they choose, not when volatility forces their hand.

LUSD advantages:

• Dollar-pegged stability

• Instant settlement

• Self-custody maintained

• Lower gas fees than major stablecoins

• Seamless integration with Larecoin POS

NOWPayments offers auto-conversion to fiat. But that conversion happens on their terms, at their rates, through their custodial system.

With LUSD, you stay in control. Always.

Self-Custody: The Non-Negotiable

Here's where the philosophical divide becomes practical.

Custodial solutions (NOWPayments model):

• Third party holds your funds

• Withdrawal delays possible

• Platform risk exposure

• Regulatory seizure risk

• "Your" money isn't actually yours

Self-custody solutions (Larecoin model):

• You hold your keys

• Instant access to funds

• No platform dependency

• True financial sovereignty

• Your money is YOUR money

In Web3, the mantra holds: not your keys, not your crypto.

NOWPayments processes payments on your behalf. Larecoin empowers you to process payments yourself.

For merchants serious about financial sovereignty, this isn't a feature comparison. It's a fundamental choice about how you want to run your business.

Head-to-Head Comparison

Feature	NOWPayments	Larecoin
Processing Fee	0.4%+	Under 0.5%
Interchange Reduction	No	50%+
Self-Custody	No	Yes
Stablecoin	Third-party only	Native LUSD
NFT Receipts	No	Yes
Fiat Off-Ramp	Custodial conversion	Push-to-card
True Fee Savings	Minimal	Significant

The Verdict

NOWPayments works. For merchants who just want basic crypto acceptance with minimal setup, it's fine.

But "fine" doesn't slash your interchange fees by 50%.

"Fine" doesn't give you self-custody.

"Fine" doesn't provide NFT receipts, native stablecoin stability, or true financial sovereignty.

Larecoin was built for merchants who want more than fine. Merchants who understand that every percentage point matters. Merchants who refuse to let intermediaries drain their revenue.

The question isn't which crypto POS system is easier to set up.

The question is: which one actually saves you money?

The answer is clear.

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Ready to slash your interchange fees by 50% or more? Explore Larecoin's merchant solutions and take control of your payments.

Want to see how other merchants are making the switch? Check out our detailed guide on reducing merchant interchange fees.