Larecoin Vs CoinPayments Vs NOWPayments: Which Crypto POS System for Small Business Actually Saves You Money?

Small business owners. You know the drill.

Swipe fees. Interchange rates. Monthly minimums. Chargebacks.

Traditional payment processing is bleeding you dry. And you're tired of it.

Crypto POS systems promise a solution. Lower fees. Faster settlements. No middlemen.

But which one actually delivers?

Let's break down Larecoin, CoinPayments, and NOWPayments. Real numbers. Real features. Real savings.

The Hidden Cost of Legacy Payment Systems

Here's the ugly truth.

Every time a customer swipes their card, you're losing 2.5-3.5% of that transaction. Credit card interchange fees alone cost U.S. merchants over $160 billion annually.

For a small business doing $500K in annual sales? That's potentially $17,500 walking out the door every year.

Ouch.

Crypto payment solutions promise to change that equation. But not all platforms are created equal.

Some still charge hefty processing fees. Others lock your funds in custodial wallets. Many lack the features small businesses actually need, like proper tax documentation and easy checkout integration.

Time to compare the contenders.

CoinPayments: The Veteran Player

CoinPayments has been around since 2013. Solid track record. Established reputation.

The Numbers:

• Processing fees: 0.5% for BTC/ETH, 1% for tokens and stablecoins

• Payout fees: 0%

• Supported cryptocurrencies: 40+

• Settlement time: Few minutes to several hours

What Works:

• Established brand with proven infrastructure

• Multiple integration options

• Decent plugin support for major e-commerce platforms

What Doesn't:

• Limited cryptocurrency support compared to newer competitors

• Settlement times can drag during network congestion

• No customizable network fee options for merchants

• Basic receipt and accounting features

For small businesses wanting to dip their toes into crypto payments, CoinPayments gets the job done. But "gets the job done" isn't exactly revolutionary.

NOWPayments: The Multi-Currency Champion

NOWPayments entered the game with a focus on cryptocurrency variety. Over 300 supported coins. That's impressive.

The Numbers:

• Processing fees: 0.5% for mono-currency, 1% for multi-currency

• Payout fees: 0%

• Supported cryptocurrencies: 300+

• Settlement time: ~5 minutes (under 1 minute for TON)

What Works:

• Massive cryptocurrency support

• Customizable network-fee options for larger merchants

• Faster processing speeds

• Self-custody native architecture

What Doesn't:

• Multi-currency transactions cost double the base rate

• Network fee customization mainly benefits larger merchants

• Limited advanced features for accounting and tax compliance

• Standard QR code checkout, nothing innovative

NOWPayments edges ahead on speed and flexibility. If you need to accept obscure altcoins, they've got you covered.

But are you really saving money? With 1% fees on multi-currency transactions, those savings start shrinking.

Larecoin: The Game-Changer for Small Business

Now let's talk about Larecoin.

Different approach. Different architecture. Different results.

The Numbers:

• Interchange fee reduction: Up to 50% compared to legacy systems

• Native ecosystem: LARE token, LUSD stablecoin, LarePAY, LareBlocks

• Self-custody: Full control via Larecoin Smart Wallet

• Unique features: NFT receipts, QR-generated POS

What Makes Larecoin Different:

1. The 50% Interchange Fee Slash

This is the headline. Larecoin's architecture is designed to cut interchange fees by up to 50% compared to traditional payment processors.

Not 0.5% processing fees on top of your existing structure.

Actual reduction in the fees eating your margins.

For that small business doing $500K annually? We're talking potentially $8,750+ back in your pocket. Every year.

2. Self-Custody With the Larecoin Smart Wallet

CoinPayments and NOWPayments have different custodial models. Some keep your funds. Some don't give you full control.

Larecoin? Your money. Your wallet. Your keys.

The Larecoin Smart Wallet puts you in complete control of your receivables. No waiting for platform withdrawals. No third-party custody risk. No frozen accounts.

Self-custody isn't just a philosophical preference. It's a business advantage.

3. NFT Receipts for Tax and Accounting

Here's where it gets interesting.

Every transaction through Larecoin generates an NFT receipt. Immutable. Verifiable. Permanent.

Why does this matter?

Tax season. Audits. Bookkeeping.

Traditional crypto payment processors give you CSVs and downloadable reports. Larecoin gives you blockchain-verified documentation that can't be altered, lost, or disputed.

Your accountant will thank you. The IRS will have nothing to question.

4. QR-Generated POS

No expensive hardware. No monthly terminal rentals.

Larecoin's QR-generated POS system turns any device into a payment terminal. Generate a QR code. Customer scans. Payment complete.

Simple. Fast. Cheap.

For small businesses with limited counter space or mobile operations, this is a no-brainer.

5. The Complete Ecosystem

Larecoin isn't just a payment processor. It's an ecosystem.

• LARE Token: The receivables token powering the network

• LUSD: Stablecoin for price stability during transactions

• LarePAY: The payment processing layer

• LareBlocks: Infrastructure supporting the entire system

Everything works together. Seamlessly.

Head-to-Head: The Comparison Table

Feature	Larecoin	NOWPayments	CoinPayments
Fee Reduction vs Legacy	Up to 50%	~1% processing	~1% processing
Supported Cryptos	Growing ecosystem	300+	40+
Self-Custody	Native Smart Wallet	Native	Varies
NFT Receipts	Yes	No	No
QR POS	Yes	Standard	Standard
Stablecoin Integration	LUSD native	Multi-coin	Multi-coin
Settlement Speed	Fast	~5 min	Minutes to hours
Accounting Tools	Blockchain-verified	Standard exports	Standard exports

The Real Question: What Does Your Business Need?

If you're running a crypto-native business accepting dozens of altcoins, NOWPayments has the variety.

If you want a proven platform that's been around for a decade, CoinPayments delivers stability.

But if you're a small business owner focused on one thing: actually saving money: Larecoin is built for you.

The 50% interchange fee reduction alone changes the math. Add NFT receipts for bulletproof accounting. Add self-custody for true ownership. Add QR-generated POS for zero hardware costs.

The value proposition isn't even close.

What About Integration?

Every platform claims "easy integration." Let's be real.

CoinPayments offers plugins for major e-commerce platforms. Shopify. WooCommerce. Magento. Standard stuff.

NOWPayments has similar coverage. APIs. Plugins. Widgets.

Larecoin takes it further with the contactless POS system and merchant portal. The QR generation means you can be accepting payments in minutes: not days of developer setup.

For brick-and-mortar small businesses, this is massive. No IT team required.

The Verdict

CoinPayments: Solid choice for established businesses wanting a familiar interface. Nothing groundbreaking.

NOWPayments: Best for cryptocurrency variety and faster settlement. Good for multi-coin operations.

Larecoin: The winner for small businesses focused on cost savings, self-custody, and innovative features like NFT receipts.

The crypto payment space is evolving. Fast.

Legacy systems are becoming obsolete. Traditional processors are sweating.

The question isn't whether you should adopt crypto POS. It's which platform will actually put money back in your pocket.

For small businesses? That answer is Larecoin.

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Ready to slash your payment processing fees by 50%? Explore the Larecoin ecosystem and see why small businesses are making the switch.