Larecoin Vs CoinPayments Vs NOWPayments: Which Crypto POS System Actually Saves Small Businesses Money?

Small business owners. You're bleeding money on payment processing fees.

Every swipe. Every tap. Every transaction. Traditional processors take their cut. We're talking 2.5-3% on average. That adds up fast.

Crypto POS systems promise relief. But which one actually delivers?

Let's break down the three major players: Larecoin, NOWPayments, and CoinPayments. Real numbers. Real features. Real talk.

The Fee Breakdown: Where Your Money Actually Goes

Here's the thing. Not all crypto payment processors are created equal.

NOWPayments charges 0.5-1% per transaction. CoinPayments? Same deal, 0.5-1%. Better than traditional processors, sure. But still eating into your margins.

Larecoin operates differently. Gas-only transfer model. You pay network fees. That's it. No platform taking a percentage of every sale.

Let's put this in perspective for a small business processing $500,000 annually:

Platform	Annual Processing Cost
Traditional Processor	~$15,000
NOWPayments	~$3,750
CoinPayments	~$3,750
Larecoin	Under $2,000

That's roughly 50% less than competitors. For a small business, that difference could cover inventory, marketing, or an extra hire.

Self-Custody: Who Actually Controls Your Money?

This is where things get interesting.

With CoinPayments, your funds sit in their custodial wallets. They hold your crypto. You trust them to keep it safe and accessible.

NOWPayments has some non-custodial features. But fundamentally? They're still holding funds during processing.

Larecoin delivers full self-custody through its smart wallet. Your money. Your control. Always.

Why does this matter?

• No counterparty risk

• No frozen accounts

• No withdrawal limits imposed by third parties

• No wondering if your processor will still exist next year

Self-custody isn't just a feature. It's the entire philosophy of Web3. If you're accepting crypto but not controlling your own keys, you're doing it wrong.

LUSD: The Volatility Solution

Every merchant's crypto nightmare: accepting Bitcoin at $60,000, watching it drop to $55,000 before you can convert.

CoinPayments and NOWPayments rely on third-party stablecoin integrations. Extra steps. Additional fees. More complexity.

Larecoin built LUSD natively into the ecosystem. Zero-volatility transactions from the start. No third-party dependencies. No surprise conversions.

Accept payment. Get stable value. Done.

This is especially critical for small businesses operating on thin margins. You can't afford a 10% swing eating into last week's revenue.

NFT Receipts: The Feature Nobody Else Has

Here's something unique to Larecoin: NFT receipts.

Every transaction generates an immutable, on-chain record. Not stored on some company's server. Written to the blockchain permanently.

What does this mean for merchants?

• Dispute elimination , Customer claims they never got their order? The NFT receipt says otherwise.

• Automatic record-keeping , Tax season becomes infinitely easier.

• Proof of transaction , For warranties, returns, and legal purposes.

• Customer engagement , Receipts become collectible assets.

CoinPayments doesn't offer this. NOWPayments doesn't either. It's a Larecoin exclusive.

Processing Speed: Time Is Money

Small businesses can't afford delays.

CoinPayments settlement times range from minutes to hours. Depends on network congestion, coin type, and platform processing.

NOWPayments averages around 5 minutes per transaction.

Larecoin delivers near-instant settlement. You make a sale. You see the funds. Minimal waiting.

For high-volume operations, coffee shops, retail stores, food trucks, this speed difference compounds throughout the day.

US Compliance: Playing By The Rules

This is non-negotiable for serious businesses.

Operating in the United States means navigating a complex regulatory landscape. MSB registration. State money transmitter licenses. Ongoing compliance requirements.

Some crypto processors operate in gray areas. Some avoid US merchants entirely.

Larecoin pursues rigorous US compliance with an MSB and state MTL strategy. This matters for:

• Long-term operational stability

• Banking relationships

• Customer trust

• Legal protection

When regulators come knocking, and they will, you want a payment processor that's already playing by the rules.

Feature-by-Feature Comparison

Let's stack these platforms side by side:

Feature	Larecoin	NOWPayments	CoinPayments
Transaction Fees	Gas-only	0.5-1%	0.5-1%
Self-Custody	Full	Partial	No
Native Stablecoin	LUSD	Third-party	Third-party
NFT Receipts	Yes	No	No
Settlement Speed	Near-instant	~5 minutes	Minutes to hours
US Compliance	MSB + MTL strategy	Limited	Limited
Merchant Analytics	Yes	Basic	Basic
Customer Rewards	Integrated	No	No

When To Choose Each Platform

Choose NOWPayments if:

• You need support for 300+ tokens

• Your business operates primarily outside the US

• You're comfortable with partial custody

Choose CoinPayments if:

• You want a legacy platform with track record

• Token variety matters more than fees

• You're okay with custodial solutions

Choose Larecoin if:

• Fee reduction is your top priority

• Self-custody is non-negotiable

• You want built-in stablecoin support

• NFT receipts interest you

• US compliance matters for your operation

• You're building for the future of Web3 payments

The Math Doesn't Lie

Let's run the numbers one more time.

A coffee shop doing $300,000 in annual crypto transactions:

• CoinPayments: $1,500-$3,000 in fees

• NOWPayments: $1,500-$3,000 in fees

• Larecoin: Under $1,200

That's an extra $1,800+ back in your pocket. Every year. Compounding.

For a retail store processing $1M annually:

• Competitors: $5,000-$10,000 in fees

• Larecoin: Under $4,000

The savings scale with your business.

The Bottom Line

Crypto payment processing shouldn't drain your profits.

CoinPayments and NOWPayments represent incremental improvements over traditional processors. They're fine. They work.

But Larecoin was built different. Gas-only transfers. Full self-custody. Native LUSD integration. NFT receipts. Near-instant settlement. Real US compliance strategy.

This is what Web3 payments should look like.

The 10-year Larecoin Blog Marathon continues. We're not here to make marginal improvements. We're here to reimagine how small businesses accept and manage payments.

Ready to stop overpaying?

Check out Larecoin and see what true fee savings look like.

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Part of the Larecoin 10-Year Blog Marathon. Building the future of Web3 payments, one block at a time.