How to Choose the Best Crypto POS System for Small Business (NOWPayments vs CoinPayments vs Larecoin Compared)

Choosing a crypto POS system for small business isn't just about accepting Bitcoin anymore.

It's about slashing fees. Instant settlement. Self-custody. And actually keeping more of what you earn.

Most small businesses lose 2-4% on every transaction to traditional payment processors. That's insane when you're operating on thin margins.

Crypto POS systems promise something better. But not all of them deliver.

Let's break down three major players: NOWPayments, CoinPayments, and Larecoin. No fluff. Just facts.

The Fee Structure Reality Check

Here's where most crypto payment systems reveal their true colors.

Volume-based fees hit differently:

Annual Volume	NOWPayments	CoinPayments	Larecoin
$500K	$2,500–$5,000	$2,500–$5,000	Under $2,000
$1M	$5,000–$10,000	$5,000–$10,000	Under $2,000
$5M	~$25,000	~$25,000	~$5,000

NOWPayments and CoinPayments charge 0.5–1% per transaction. Sounds reasonable until you scale.

Larecoin operates on a gas-only model. No percentage cuts. Just minimal Solana network costs: roughly $0.00025 per transaction.

That's not a typo. A quarter of a penny.

At $5 million annual volume, you're saving 50–80% compared to legacy crypto payment providers. That's real money back in your business.

Traditional merchant interchange fees disappear entirely with Web3 global payments. Learn more about reducing merchant interchange fees here.

Settlement Speed: Seconds vs Minutes vs "Eventually"

Speed matters when you're standing at a register with a customer waiting.

Larecoin: Sub-second finality. Powered by Solana's infrastructure. Transaction confirmed before the customer pockets their phone.

NOWPayments: Approximately 5 minutes. Decent for online orders. Awkward for in-person retail.

CoinPayments: Variable settlement times. Often longer. Network congestion can turn minutes into hours during peak periods.

For brick-and-mortar stores, settlement speed isn't a luxury. It's essential. You can't have customers waiting 10 minutes to confirm a coffee purchase.

Solana's 65,000 transactions-per-second capacity means Larecoin never bottlenecks. Even during network spikes.

Custody Models: Who Controls Your Money?

This is where philosophical differences become practical differences.

NOWPayments and CoinPayments: Custodial services. They hold your funds. You request withdrawals. They process them. Eventually.

Sounds convenient until you remember: not your keys, not your crypto.

Larecoin: Self-custody merchant accounts. Direct settlement to your wallet. Zero counterparty risk. Zero custody fees.

You control the private keys. You control the funds. Always.

For businesses serious about financial sovereignty and bank-free business operations, self-custody isn't optional. It's foundational.

Traditional systems create dependency. Web3 creates independence.

Cryptocurrency Support: More Isn't Always Better

CoinPayments supports 2,000+ cryptocurrencies. NOWPayments supports 200–300+. Larecoin focuses on Solana's ecosystem with LUSD stablecoin integration.

At first glance, broader support seems advantageous.

Reality check: 98% of transactions happen in the top 20 tokens.

Supporting 2,000 obscure altcoins doesn't help your business. It complicates accounting, increases security vulnerabilities, and adds processing overhead.

LUSD stablecoin benefits are straightforward: dollar-pegged stability without traditional banking rails. No volatility risk. No conversion friction.

Larecoin's targeted approach via bridge and swap interoperability gives you access to major tokens without the bloat.

Transaction Throughput: Can Your System Handle Growth?

Most businesses don't think about throughput until it's too late.

Larecoin leverages Solana's infrastructure. 65,000 TPS capacity. Scales effortlessly from startup to enterprise.

NOWPayments and CoinPayments face standard blockchain limitations. Ethereum congestion. Bitcoin mempool delays. Network fees spike during high-volume periods.

If you're planning to grow: and you should be: choose infrastructure that grows with you.

Don't build on bottlenecks.

NFT Receipts for Accounting: The Larecoin Advantage

Here's something NOWPayments and CoinPayments can't match.

Every Larecoin transaction generates a blockchain-verified NFT receipt. Permanent. Immutable. Tamper-proof.

Why this matters for small business:

• Audit trails that can't be disputed

• Accounting automation with verifiable records

• Dispute resolution with timestamped proof

• Tax compliance simplified with blockchain verification

Traditional receipt systems rely on centralized databases. They can be altered, lost, or corrupted.

NFT receipts for accounting exist on-chain forever. No server failures. No data breaches. No "the system crashed" excuses.

This isn't a gimmick. It's operational efficiency disguised as innovation.

The Receivables Token Concept

Most crypto payment systems treat every transaction identically.

Larecoin introduces receivable tokens: programmable payment instruments that enable advanced treasury management.

Think: invoice financing on-chain. Instant liquidity against future receivables. Supply chain financing without intermediaries.

This transforms crypto from "just another payment method" to a complete financial operating system.

NOWPayments and CoinPayments process transactions. Period.

Larecoin enables financial engineering for small business.

Best Fit by Business Type

Choose NOWPayments or CoinPayments if:

• You need extensive fiat off-ramps

• Multi-currency support across many blockchain networks is critical

• Turnkey integration with existing e-commerce platforms matters more than fees

• You prefer managed services over self-custody

Choose Larecoin if:

• You're crypto-native or willing to learn

• Comfortable managing wallets and private keys

• Prioritize self-custody and financial sovereignty

• Want to minimize costs at scale

• Need NFT receipts for accounting

• Value LUSD stablecoin benefits for treasury management

• Plan to leverage receivables tokens for advanced financing

Honestly? If you're reading this, you're probably leaning toward Larecoin already.

Traditional payment processors charge too much. Legacy crypto systems copy their fee models.

The Larecoin Difference: Built for Merchants, Not Extractors

Most crypto payment providers are repackaged fintech companies. Same old extraction model with blockchain sprinkled on top.

Larecoin was built from the ground up as a Web3 global payments solution. Not a crypto wrapper around traditional finance.

Core differences:

• Gas-only pricing eliminates percentage-based fees

• Self-custody architecture removes counterparty risk

• NFT receipts provide immutable accounting records

• LUSD integration solves volatility without fiat dependency

• Receivables token enables DeFi-powered business finance

• Solana infrastructure ensures sub-second settlement

This isn't incremental improvement. It's architectural redesign.

Check out the full Larecoin ecosystem to see how deeply integrated these features are.

Making the Decision

Your POS system isn't just about accepting payments. It's about business infrastructure.

Ask yourself:

• Do I want to pay 1% forever, or near-zero costs?

• Is custody control important to my business philosophy?

• Will I need advanced features like receivables financing?

• Can my current system scale if I 10x revenue?

For most forward-thinking small businesses, Larecoin checks boxes that NOWPayments and CoinPayments can't.

The question isn't whether to adopt crypto payments. That ship sailed.

The question is which system positions your business for the next decade of commerce.

Traditional rails are dying. Custodial crypto systems are transitional technology.

Self-custody Web3 payments are the destination.

Choose accordingly.

Join the Larecoin community to connect with merchants already making the switch. Real conversations. Real results.