The Crypto POS System Guide: How Small Businesses Cut Fees in Half While Staying MSB and MTL Compliant

Payment processing fees are bleeding small businesses dry.

$10,600 annually for a business processing $200k. That's money straight out of your profit margin.

Time to flip the script.

The Real Cost of Traditional Payment Processing

Your POS system is expensive. Not just the hardware. The fees.

Every credit card swipe costs you:

• 2.5-3.5% transaction fee

• Monthly gateway fees

• Chargeback penalties

• Equipment rental costs

Scale that up. Processing $500k annually? You're paying $12,500-$17,500 in fees alone.

That's a down payment on expansion. Marketing budget. New inventory.

Gone.

Enter Crypto POS: The Gas-Only Revolution

Larecoin's approach is different. Radically different.

No percentage-based fees. Just gas costs.

What does that mean for your bottom line?

At $200k annual volume:

• Traditional: $10,600/year

• Larecoin: $1,600/year

• Savings: $9,000 (50% reduction)

At $500k annual volume:

• NOWPayments/CoinPayments: $2,500-$5,000

• Larecoin: $500-$2,000

• Savings: 60% average

At $1.2M annual volume:

• Traditional processors: $9,000-$12,000

• Larecoin: ~$2,000

• Savings: 78-80%

The math is simple. The savings compound.

Compliance Without Compromise

Here's where most crypto payment processors fumble.

They skip the hard part. Regulatory compliance.

Larecoin doesn't.

MSB Registration: Check

We're registered as a Money Services Business with FinCEN. Full transparency. Full compliance.

Why it matters:

• Legal operation in the US

• Customer fund protection

• Anti-money laundering protocols

• Transaction monitoring systems

State MTL Strategy: In Motion

Money Transmitter Licenses aren't optional. They're essential.

Larecoin's roadmap includes strategic MTL applications across key states. We're building infrastructure that lasts.

The compliance advantage:

• Your business stays protected

• No regulatory surprises

• Partnering with a legitimate operator

• Future-proof payment solution

The NOWPayments Comparison

NOWPayments charges 0.5% for single-currency transactions. 1% for multi-currency. Plus network fees. Plus withdrawal charges.

The hidden costs add up:

• Percentage fees on every transaction

• Conversion fees between cryptocurrencies

• Withdrawal minimums

• Processing delays

Larecoin's model? Gas-only. No percentage fees. No hidden charges.

Process $500k annually through NOWPayments: $2,500-$5,000 in fees.

Process $500k through Larecoin: $500-$2,000 in gas costs.

Net difference: $2,000-$4,500 back in your pocket.

CoinPayments: The Alternative That Still Costs

CoinPayments offers similar features. 0.5-1% transaction fees. Multiple cryptocurrencies supported.

Still percentage-based. Still eating your margins.

What Larecoin offers instead:

• Self-custody solutions

• NFT receipt technology

• LUSD stablecoin integration

• Push-to-card functionality

• Gas-only pricing model

You control your funds. Not a third-party custodian.

LUSD: The Stablecoin Advantage

Price volatility scares merchants. Understandably.

LUSD solves this. Larecoin's stablecoin version locks in value.

Accept crypto. Receive stable value.

No conversion hassles. No timing the market. Just predictable receivables.

Processing $50k monthly? LUSD guarantees your revenue stays consistent regardless of crypto market swings.

NFT Receipts: Beyond Transaction Records

Every payment generates an NFT receipt.

Not just a record. A programmable asset.

Use cases:

• Loyalty program integration

• Proof of purchase verification

• Warranty tracking

• Collectible customer experiences

• Gamified rewards systems

Your receipts become marketing tools. Customer engagement opportunities. Brand assets.

Traditional POS systems give you paper or email receipts. Larecoin gives you blockchain-verified, tradeable, programmable proof of transaction.

Self-Custody: Your Funds, Your Control

NOWPayments and CoinPayments hold your crypto. You request withdrawals.

Larecoin? You hold the keys.

Self-custody benefits:

• Immediate access to funds

• No withdrawal delays

• No minimum thresholds

• Complete financial sovereignty

• Reduced counterparty risk

Your business. Your money. Your control.

Setting Up Your Crypto POS in 2026

The technical barrier is gone. Setup takes minutes, not months.

Larecoin POS integration steps:

1. Create your merchant account at larecoin.com

2. Connect your wallet (self-custody enabled)

3. Configure LUSD stablecoin preferences

4. Generate payment QR codes

5. Start accepting crypto

No specialized hardware required. Works with existing devices.

Compatible with:

• Tablets

• Smartphones

• Point-of-sale terminals

• E-commerce platforms

• In-store checkout systems

The Fee Breakdown: Traditional vs. Larecoin

Let's get specific.

Traditional Credit Card Processing:

• Interchange fees: 1.5-2.5%

• Assessment fees: 0.13-0.15%

• Processor markup: 0.5-1%

• Total: 2.5-3.5% per transaction

NOWPayments/CoinPayments:

• Transaction fees: 0.5-1%

• Network fees: Variable

• Withdrawal fees: 0.5%+

• Conversion fees: 0.5-1%

• Total: 2-3.5% effective rate

Larecoin Gas-Only Model:

• Transaction fees: 0%

• Network gas: $0.01-$5 depending on blockchain

• No withdrawal fees

• No conversion fees

• Total: Fixed gas cost only

The difference scales exponentially with volume.

Real-World Implementation

Coffee shop processing $15k monthly?

• Traditional: $450/month in fees

• Larecoin: ~$50/month in gas

• Annual savings: $4,800

E-commerce store processing $100k monthly?

• Traditional: $3,000/month in fees

• Larecoin: ~$300/month in gas

• Annual savings: $32,400

That's real money. Reinvestment capital. Growth fuel.

The Compliance Roadmap

MSB registration is step one. MTL applications are ongoing.

Larecoin's state-by-state strategy focuses on:

• High-volume merchant states

• Crypto-friendly regulatory environments

• Strategic market coverage

• Customer protection standards

We're not cutting corners. We're building infrastructure that withstands regulatory scrutiny.

Your business deserves a payment partner that won't disappear overnight.

Making the Switch

Transition doesn't require shutting down operations.

Phase your crypto POS rollout:

• Week 1: Set up Larecoin account

• Week 2: Test with small transactions

• Week 3: Train staff on crypto acceptance

• Week 4: Promote crypto payment options

• Month 2: Scale based on adoption

Maintain traditional payment methods during transition. Add crypto as an option. Watch savings accumulate.

Why 2026 Is the Year

Crypto adoption is accelerating. Consumer demand is surging. Regulatory clarity is improving.

Small businesses that adopt early gain competitive advantages:

• Lower operating costs

• Tech-forward branding

• Access to crypto-native customers

• Protection against inflation

• Future-proof payment infrastructure

The question isn't whether to adopt crypto payments. It's whether you'll lead or follow.

The Bottom Line

Payment processing fees are negotiable. You've just been negotiating with the wrong partners.

Larecoin delivers:

• 50-80% fee reduction

• MSB and MTL compliance

• Self-custody solutions

• NFT receipt technology

• LUSD stablecoin stability

• Gas-only pricing model

Compared to NOWPayments and CoinPayments, you keep more of what you earn.

Simple math. Profound impact.

Ready to cut your fees in half? Visit larecoin.com and set up your crypto POS today.

Your margins will thank you.