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

Let's cut to the chase.

Interchange fees are eating your profits alive. Every swipe. Every tap. Every transaction. You're bleeding money to middlemen.

Traditional payment processors take 2.5% to 3.5% of every sale. That's not a fee. That's a tax on your hustle.

Crypto payment solutions promised to change the game. But not all of them actually deliver. Today, we're breaking down NOWPayments versus Larecoin. One offers modest savings. The other? A complete fee revolution.

Time to see which one actually slashes your interchange fees by 50%+.

The Hidden Cost Crushing Merchant Margins

Here's the uncomfortable truth.

Most merchants don't realize how much they're losing. Interchange fees. Assessment fees. Processing fees. They stack up fast.

Run a business processing $500,000 annually? Traditional processors take approximately $15,000 right off the top. That's money that should be funding growth. Hiring staff. Expanding inventory.

Instead? Gone. Vanished into the pockets of payment networks and banks.

Crypto promised a better way. Decentralized. Peer-to-peer. Minimal fees.

But the first wave of crypto processors? They built the same old fee structures on new technology. Better than Visa. Sure. Revolutionary? Not quite.

NOWPayments: What It Gets Right

Let's give credit where it's due.

NOWPayments isn't terrible. It's actually a solid option for merchants dipping their toes into crypto payments.

The highlights:

• Supports 300+ cryptocurrencies

• Non-custodial options available

• Easy integration with major e-commerce platforms

• Processing fees of 0.5% to 1%

Compared to traditional processors charging 2.5-3.5%? That's a meaningful reduction. For our $500,000 merchant, NOWPayments brings the annual cost down to approximately $5,000.

Savings of $10,000. Not bad.

But here's the thing.

That's still $5,000 leaving your business every year. For what? Processing transactions that blockchain technology handles natively for a fraction of the cost.

NOWPayments built a bridge between traditional payment thinking and crypto technology. It's comfortable. Familiar. Safe.

It's also leaving money on the table.

The Problem With "Good Enough"

Crypto processors charging 0.5-1% represent progress. Not transformation.

They've reduced fees. They haven't eliminated the fee model entirely.

Think about it. Blockchain transactions cost gas. That's it. The network validates. The transaction settles. No intermediaries extracting value from the process.

So why are crypto payment processors still charging percentage-based fees? Because they built their business models on the old paradigm. They took traditional payment processing architecture and slapped crypto on top.

That's not innovation. That's iteration.

Real innovation means rethinking the entire model from the ground up.

Larecoin: The Gas-Only Transfer Model

Here's where things get interesting.

Larecoin doesn't charge processing fees. Period.

Gas-only transfers. You pay the blockchain network fee. Nothing more.

No percentage taken from each transaction. No monthly fees stacking up. No hidden costs buried in fine print.

For that same $500,000 annual merchant? Larecoin brings total costs to under $2,000.

Let that sink in.

Traditional processor: $15,000 NOWPayments: $5,000 Larecoin: Under $2,000

That's not 50% savings. That's 86% savings compared to traditional processors. And 60% savings compared to NOWPayments.

The math doesn't lie.

How Gas-Only Transfers Actually Work

Simple mechanics. Powerful results.

When a customer pays using the Larecoin ecosystem, the transaction moves directly from their wallet to yours. No intermediary routing funds. No processor skimming percentages.

You pay the network fee. Typically a few cents on Solana-based transactions.

That's it. Transaction complete. Funds in your self-custody wallet.

The traditional payment stack? It looks like this:

• Customer's bank

• Card network

• Payment processor

• Acquiring bank

• Your account

Each layer takes a cut. Each layer adds delay. Each layer adds potential failure points.

Larecoin's stack:

• Customer wallet

• Your wallet

Two steps. Near-instant settlement. Gas fees only.

Beyond Fee Savings: NFT Receipts

Fee reduction gets attention. But Larecoin's ecosystem goes deeper.

NFT receipts transform transaction records into verifiable, immutable digital assets.

Why does this matter?

Traditional receipts disappear. Get lost. Fade. Become illegible. Good luck proving a purchase six months later when you need warranty service.

NFT receipts live on-chain permanently. Timestamped. Verifiable. Impossible to forge.

Merchant benefits:

• Automated record-keeping

• Dispute resolution backed by immutable proof

• Customer engagement through collectible receipt designs

• Loyalty program integration

Customer benefits:

• Permanent proof of purchase

• Easy returns and warranty claims

• Collection value for special purchases

• Privacy-respecting transaction history

It's not just a receipt. It's a utility token proving the transaction happened exactly as recorded.

LUSD: Stability Meets Sovereignty

Crypto volatility scares merchants. Understandably.

Accept Bitcoin today. Watch it drop 10% tomorrow. That's not sustainable for businesses running on tight margins.

Enter LUSD. Larecoin's stablecoin solution.

Pegged to the US dollar. Crypto-native. Self-custody enabled.

Customers pay in LUSD. You receive LUSD. Value stays stable.

No converting to fiat immediately to avoid volatility. No exposure to price swings. No complexity.

Stable value. Instant settlement. Gas-only fees.

The best of traditional currency stability with the efficiency of blockchain infrastructure.

Self-Custody: The Non-Negotiable Feature

Here's something NOWPayments and most competitors get partially right but don't fully commit to.

Self-custody means you control your funds. Always. Completely.

Not "we hold your funds but promise to send them." Not "your funds are accessible within 3-5 business days." Not "pending verification and compliance review."

Your wallet. Your keys. Your money. Period.

Larecoin built self-custody into the foundation. Every transaction settles directly to merchant-controlled wallets.

Why does this matter?

• No account freezes

• No arbitrary holds

• No platform risk

• No counterparty exposure

When a payment processor controls your funds, you're trusting them with your business's lifeblood. History shows that trust gets violated. Accounts frozen without explanation. Funds held for "review." Businesses destroyed by payment processor decisions.

Self-custody eliminates that risk entirely.

The Head-to-Head Verdict

Let's summarize the comparison.

Feature	NOWPayments	Larecoin
Processing Fees	0.5-1%	Gas only
Annual Cost ($500k volume)	~$5,000	Under $2,000
Savings vs Traditional	~67%	~86%
NFT Receipts	No	Yes
Stablecoin Integration	Limited	LUSD Native
True Self-Custody	Partial	Full

NOWPayments represents incremental improvement. Solid for merchants wanting a familiar experience with better fees.

Larecoin represents fundamental transformation. Built for merchants ready to maximize savings and embrace true financial sovereignty.

Who Should Choose What

Choose NOWPayments if:

• You want broad cryptocurrency support (300+ coins)

• You prefer familiar payment processing models

• Modest fee savings satisfy your needs

• You're testing crypto payments cautiously

Choose Larecoin if:

• Maximum fee reduction is the priority

• Self-custody is non-negotiable

• NFT receipts add value to your business model

• You want stablecoin stability without volatility exposure

• Financial sovereignty matters to your brand

Both options beat traditional payment processing. Only one actually delivers that 50%+ interchange fee reduction.

Ready to Stop Paying Unnecessary Fees?

Every transaction processed through traditional fee structures costs you money. Every day you wait is margin lost.

The 10-year Larecoin blog marathon continues. We're building the future of merchant payments. One innovation at a time.

Want to see how much you'd save with gas-only transfers? Curious about NFT receipts for your business? Ready to take control with true self-custody?

Explore the ecosystem at Larecoin.com.

The fee revolution isn't coming. It's here. The question is whether you'll join it.