NOWPayments vs Larecoin: Which Crypto POS System Actually Slashes Your Interchange Fees?

Interchange fees are bleeding your profits dry.

Every swipe. Every tap. Every transaction. Traditional processors take their cut: and it adds up fast.

Crypto payment solutions promise relief. But not all platforms deliver equal savings.

Today, we're putting NOWPayments and Larecoin head-to-head. No fluff. Just the facts on which crypto POS system actually puts more money back in your pocket.

The Interchange Fee Problem Nobody Talks About

Here's the reality most merchants face:

Traditional payment processors charge anywhere from 1.5% to 3.5% per transaction. That's before monthly fees. Before statement fees. Before PCI compliance costs.

For a business processing $100,000 monthly? You're looking at $1,500 to $3,500 disappearing every single month.

Crypto payment solutions emerged as the alternative. Peer-to-peer. Decentralized. Lower fees.

But "lower" is relative. Some platforms still skim significant percentages. Others hide costs in conversion rates or withdrawal fees.

The real question: Which platform actually delivers meaningful savings?

NOWPayments: The Flexible Option

NOWPayments has built a solid reputation in the crypto payment space.

What they offer:

• Processing fees around 0.5-1%

• Support for 150+ cryptocurrencies

• White-label checkout customization

• Merchant-absorbed gas cost options

• 24/7 customer support

• API integrations for various platforms

The flexibility is real. You can customize how fees get structured. Absorb gas costs to boost conversion. Brand your checkout experience.

For merchants wanting operational control and multi-crypto support, NOWPayments delivers a competent solution.

But here's the catch.

Their fee reductions are processing fees: not fundamental interchange elimination. You're still paying. Just less than traditional processors.

The savings? Modest. Documented. Reliable.

But not revolutionary.

Larecoin: The Self-Custody Disruptor

Larecoin takes a different approach entirely.

Instead of tweaking the existing model, Larecoin removes intermediaries altogether.

The result? Up to 50%+ savings on interchange fees compared to traditional processors.

That's not a typo. Fifty percent or more.

How does this work?

Larecoin's architecture is built on complete self-custody. No middlemen holding your funds. No third-party processors skimming transactions. No waiting for settlement windows.

Your money. Your wallet. Instant access.

The LUSD Stablecoin Advantage

Here's where Larecoin gets interesting.

LUSD is Larecoin's proprietary stablecoin: engineered specifically for commerce.

Key benefits:

• Lower gas fees than standard stablecoins

• Faster confirmation times

• Dollar-pegged stability

• Optimized for merchant transactions

Traditional stablecoins weren't built for point-of-sale. They work. But they're not optimized.

LUSD changes that equation. Every aspect is designed for the retail transaction use case.

Faster confirmations mean shorter checkout times. Lower gas fees mean more savings per transaction. Dollar stability means no price volatility risk.

Instant Settlement: No More Waiting

NOWPayments processes transactions efficiently. But settlement still involves timing considerations.

Larecoin? Instant.

Transaction confirmed. Funds available. Done.

No waiting periods. No batch processing delays. No price fluctuation between sale and settlement.

For merchants managing cash flow, this is massive. The money you earned today is available today.

Head-to-Head Comparison

Let's break this down clearly:

Feature	NOWPayments	Larecoin
Fee Savings	0.5-1% processing fees	50%+ vs traditional
Custody Model	Platform holds funds	Complete self-custody
Settlement	Standard processing	Instant
Stablecoin	Multiple supported	LUSD (commerce-optimized)
NFT Receipts	Not available	Built-in
Intermediaries	Uses processors	None: direct P2P

The numbers speak for themselves.

NFT Receipts: The Innovation Nobody Else Offers

This is where Larecoin truly separates from the pack.

Every transaction can generate an NFT receipt.

Why does this matter?

• Immutable proof of purchase on-chain

• Customer loyalty program integration

• Collectible receipts that build brand engagement

• Automated warranty and return verification

• Tax documentation that can't be lost or altered

Traditional receipts get lost. Digital receipts get buried in email.

NFT receipts live forever on the blockchain. Verifiable. Transferable. Programmable.

For merchants, this opens entirely new possibilities for customer engagement. Limited edition receipt drops. Loyalty tier unlocks based on purchase NFTs. Automated returns processing.

NOWPayments offers solid payment processing. Larecoin offers a complete ecosystem shift.

Merchant Freedom: The Self-Custody Difference

Let's talk about what self-custody actually means for your business.

With custodial solutions:

• Platform holds your funds

• You request withdrawals

• They approve (or don't)

• Potential account freezes

• Counterparty risk

With Larecoin's self-custody:

• Funds go directly to your wallet

• No third-party access

• No approval needed

• No freeze risk

• True ownership

The 2022-2023 crypto custody disasters proved the danger of trusting third parties with your money. Platforms failed. Funds disappeared. Merchants suffered.

Self-custody eliminates that risk entirely.

Your private keys. Your crypto. Your control.

This isn't just philosophical. It's practical protection for your business assets.

Who Should Choose NOWPayments?

NOWPayments makes sense for specific merchant profiles:

• Businesses wanting established platform stability

• Merchants needing 150+ cryptocurrency support

• Operations requiring white-label customization

• Teams prioritizing 24/7 dedicated support

If modest fee improvements over traditional processing satisfy your requirements, NOWPayments delivers a functional solution.

The platform is proven. The integrations are extensive. The support is available.

For merchants who want improvement without dramatic change, it's a reasonable choice.

Who Should Choose Larecoin?

Larecoin is built for a different merchant mindset:

• Businesses demanding maximum fee savings

• Merchants who value true asset ownership

• Operations wanting instant settlement

• Brands ready to leverage NFT engagement

• Forward-thinking teams building for Web3

If 50%+ fee reduction versus traditional processors sounds compelling: Larecoin delivers.

If self-custody and financial sovereignty matter to your business philosophy: Larecoin delivers.

If you want to offer customers something genuinely innovative like NFT receipts: Larecoin delivers.

The platform represents the next evolution of crypto payments. Not a tweak to existing systems. A complete reimagining.

The Bottom Line

Both platforms accept crypto. Both reduce costs versus traditional processors.

But the magnitude of savings differs dramatically.

NOWPayments offers incremental improvement. Customization. Flexibility. Proven infrastructure.

Larecoin offers transformational savings. Self-custody. Instant settlement. NFT innovation.

For merchants processing significant volume, that 50%+ fee reduction compounds fast. Monthly savings become annual profits. Year-over-year growth gets reinvested instead of paid out to intermediaries.

The math is simple.

Ready to see real interchange fee savings?

Explore the Larecoin ecosystem and discover what merchant-first crypto payments actually look like.

Check out our deep dive on how to slash merchant fees by 50% or join the conversation in the Larecoin Community.

Your profit margins will thank you.