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

Stop Paying Middlemen to Process Your Money

Small businesses lose thousands every year to payment processors.

Traditional card processors take 2.5-3.5% per transaction. That's brutal when margins are tight.

Crypto payment processors promised to fix this. They deliver half the solution, but keep half the control.

NOWPayments and CoinPayments charge 0.5% plus network fees. Better than Visa. Still not good enough.

The real question: Why pay anyone when you can custody your own funds?

The Hidden Costs Nobody Talks About

NOWPayments and CoinPayments advertise low fees. They're not lying. But they're not telling the whole story.

What you actually pay:

• 0.5% transaction fee

• Network gas fees (variable, often high)

• Withdrawal fees to your bank

• Currency conversion spreads

• Premium features (extra cost)

• Multi-day settlement delays

Add it up. You're paying 1-2% total. Plus you're handing control to a third party.

Your funds sit in their wallets. Their terms. Their timeline. Their rules.

That's not Web3. That's Web2 with a crypto sticker.

NOWPayments vs CoinPayments: The Comparison Nobody Asked For

Both platforms operate on the same broken model: custodial intermediaries.

NOWPayments strengths:

• Simple integration

• 150+ cryptocurrencies

• Instant conversion to fiat

NOWPayments weaknesses:

• You don't control the wallet

• Limited customization

• Transaction data lives on their servers

• No loyalty rewards for customers

CoinPayments strengths:

• Established reputation

• Shopping cart plugins

• Vault storage option

CoinPayments weaknesses:

• Custodial architecture

• Higher withdrawal fees

• Slower settlement times

• Zero innovation since 2013

Here's the truth: comparing these two is like choosing between two rental companies when you could own the property.

Both charge fees. Both control your funds. Both add friction between you and your money.

The smart move? Skip the middleman entirely.

Self-Custody Changes Everything

Self-custody means you control your wallet. Your keys. Your crypto.

No intermediary. No delays. No permission required.

Why small businesses need self-custody:

Lower Fees Network gas only. No percentage cuts. No withdrawal fees. A $10,000 transaction costs the same as a $10 transaction.

Instant Settlement Funds hit your wallet immediately. No waiting 3-5 business days. No bank holidays. 24/7/365 access.

Complete Control You decide when to convert to fiat. You choose which stablecoins to accept. You set your own terms.

Financial Sovereignty No account freezes. No surprise policy changes. No terms of service you can't control.

Traditional processors can shut you down overnight. Self-custody platforms can't.

Your business. Your money. Your rules.

How Larecoin Slashes Fees by 50%+

Larecoin operates on LareBlocks, our Layer-1 blockchain.

The fee structure:

• Gas-only transfers

• No percentage-based fees

• No hidden charges

• No withdrawal fees

Compare to competitors:

$1,000 transaction on NOWPayments:

• 0.5% fee = $5

• Gas fee = $2-10 (variable)

• Total: $7-15

$1,000 transaction on CoinPayments:

• 0.5% fee = $5

• Gas fee = $2-10 (variable)

• Withdrawal fee = $1-5

• Total: $8-20

$1,000 transaction on Larecoin:

• 0% transaction fee

• Gas fee = $0.50-2 (LareBlocks optimization)

• Total: $0.50-2

The math is simple. Self-custody wins.

Process $100,000 annually? You save $500-2,000 versus competitors. That's real money going back into your business.

NFT Receipts: Your Secret Weapon

Every Larecoin transaction generates an optional NFT receipt.

This isn't a gimmick. It's a loyalty revolution.

What NFT receipts unlock:

Customer Rewards Customers collect receipts as proof of purchase. Reward top collectors with discounts, exclusive products, or VIP access.

Gamification Create seasonal collections. Limited edition receipts for high-value purchases. Turn transactions into collectibles.

Resale Value Customers can trade or sell their receipt NFTs. Your brand gets secondary market exposure. Free marketing.

Fraud Prevention Immutable blockchain proof. No fake receipts. No return fraud. Transparent history.

Analytics Gold Track customer behavior on-chain. See purchase patterns. Build targeted campaigns.

NOWPayments and CoinPayments don't offer this. They can't. Their architecture doesn't support it.

Larecoin builds NFT receipts into the protocol. Zero extra cost. Maximum differentiation.

LUSD Stablecoin: The Smart Treasury Choice

Crypto volatility scares merchants. Fair concern. Bad solution: convert everything to fiat immediately.

Better solution: Hold LUSD stablecoin.

Why LUSD beats the competition:

True Decentralization LUSD isn't controlled by a single company. No Circle. No Tether. Pure DeFi protocol.

Overcollateralized Every LUSD is backed by 110%+ collateral in ETH. You can verify this on-chain. Transparency you can trust.

Zero Counterparty Risk No bank can freeze LUSD. No government can seize it. Censorship-resistant by design.

Stable Value 1 LUSD = $1 USD. Soft-pegged through algorithmic mechanisms. Proven stability since 2021.

Hold LUSD in your Larecoin wallet. Convert to fiat only when you need it. Keep working capital on-chain. Earn yield through DeFi protocols.

Traditional stablecoins like USDC require intermediaries. LUSD works with self-custody from day one.

The Quick Decision Matrix

Feature	NOWPayments	CoinPayments	Larecoin
Transaction Fee	0.5%	0.5%	0%
Self-Custody	❌	❌	✅
NFT Receipts	❌	❌	✅
Setup Time	30 min	45 min	10 min
LUSD Support	❌	❌	✅
Withdrawal Fees	Yes	Yes	No
Master/Sub Wallets	Limited	No	Yes
Layer-1 Blockchain	❌	❌	✅
Financial Sovereignty	❌	❌	✅

The data speaks clearly. Self-custody architecture beats custodial services on every metric that matters.

Setup Takes 10 Minutes

Larecoin eliminates technical complexity.

Step 1: Download the Larecoin smart wallet Step 2: Generate your merchant wallet Step 3: Add the contactless POS to your checkout Step 4: Start accepting crypto payments

No developer required. No complex integration. No approval process.

Your wallet. Your keys. Your business starts accepting crypto today.

Master/sub-wallet architecture lets you separate departments, track sales by location, and maintain clean accounting records.

The Real Question: Why Wait?

Every day you use NOWPayments or CoinPayments, you pay unnecessary fees.

Every transaction through custodial processors, you sacrifice sovereignty.

Every customer checkout without NFT receipts, you miss a loyalty opportunity.

Self-custody isn't the future. It's available now.

Larecoin makes it simple. Get started today.

Cut fees by 50%+. Control your treasury. Build customer loyalty through NFT receipts. Accept LUSD and dozens of other cryptocurrencies.

Your business deserves better than Web2 payment processors wearing crypto costumes.

Choose self-custody. Choose financial sovereignty. Choose Larecoin.