Larecoin Vs CoinPayments Vs NOWPayments: Which Crypto POS System Is Best for Your Small Business?

Running a small business in 2026? You're probably tired of watching payment processors eat into your margins.

Traditional processors charge 2.5-3.5% per transaction. That's thousands of dollars disappearing from your bottom line every year.

Crypto POS systems offer a way out. But not all solutions are created equal.

Let's break down the three biggest players: Larecoin, CoinPayments, and NOWPayments. By the end, you'll know exactly which one fits your business.

The Fee Factor: Where Your Money Actually Goes

Here's the reality. Fees matter. A lot.

NOWPayments and CoinPayments both hover around 0.5-1% processing fees. Solid improvement over legacy systems. But still adds up.

Larecoin operates differently. Gas-only transfers mean you're paying network fees, nothing more. The result? A 50%+ reduction compared to traditional processors.

Let's do the math.

Processing $500,000 annually:

• NOWPayments/CoinPayments: ~$5,000 in fees

• Larecoin: Under $2,000

That's $3,000+ back in your pocket. Every single year.

Custody Models: Who Controls Your Crypto?

This is where things get interesting.

CoinPayments is custodial. They hold your funds during processing. Your crypto sits in their wallets until settlement. That's a trust relationship many businesses aren't comfortable with.

NOWPayments offers non-custodial options. Payments forward directly to your wallet. Better control. Still involves intermediary touchpoints.

Larecoin takes it further. Full self-custody through the Smart Wallet. No intermediaries. No third-party holding periods. Your funds hit your wallet immediately.

Why does this matter?

• No counterparty risk

• Instant access to your revenue

• True ownership of your assets

For small businesses, self-custody isn't just a feature. It's financial independence.

Processing Speed: Time Is Money

Every minute your transaction sits pending is a minute of uncertainty.

CoinPayments processing times range from minutes to hours. Depends on network congestion and their internal systems.

NOWPayments averages around 5 minutes per transaction. Acceptable. Not exceptional.

Larecoin runs on Solana's architecture. Sub-second finality. Near-instant confirmation.

Your customer pays. You see it immediately. Transaction complete.

No waiting. No wondering. No awkward "let me check if that went through" moments at checkout.

LUSD: The Stablecoin Advantage

Volatility scares small business owners away from crypto. Understandable.

Accept $100 in Bitcoin. Watch it become $85 by morning. That's not sustainable.

CoinPayments and NOWPayments offer stablecoin support through third-party integrations. It works. But it's not seamless.

Larecoin built LUSD natively into the ecosystem. Not an add-on. Not an integration. Core functionality.

Benefits of native LUSD:

• No conversion friction

• Predictable settlement values

• Simplified accounting

• Stable receivables

Your revenue stays stable. Your spreadsheets stay clean.

NFT Receipts: Beyond Traditional Documentation

Here's something neither CoinPayments nor NOWPayments offer.

NFT receipts.

Every Larecoin transaction can generate a verifiable, on-chain receipt. Not a PDF sitting in your email. A permanent, immutable record of the transaction.

Why businesses love this:

• Tamper-proof documentation

• Simplified audits

• Customer engagement opportunity

• Future-proof record keeping

It's not just a receipt. It's a digital asset that proves the transaction happened exactly as recorded.

Setup Complexity: Getting Started Fast

Small business owners don't have time for complicated onboarding.

NOWPayments requires API integration. Technical knowledge needed. Development resources required. Timeline: days to weeks.

CoinPayments offers straightforward onboarding. Lower technical barrier. Still involves account setup and verification processes.

Larecoin designed for speed. QR-based setup. Minutes to operational. No hardware required.

Generate your merchant QR code. Print it. Start accepting payments.

That simple.

US Compliance: The Regulatory Reality

Operating in the United States? Compliance isn't optional.

Many crypto payment processors operate in regulatory gray areas. That's a liability for your business.

Larecoin maintains rigorous US compliance through:

• Money Services Business (MSB) registration

• State Money Transmitter License (MTL) strategy

• Ongoing regulatory alignment

This matters because:

• Reduced legal exposure for your business

• Legitimate banking relationships

• Long-term operational stability

Working with a compliant provider protects your business from future regulatory complications.

Feature Comparison: The Quick Reference

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Gas only
Custody Model	Non-custodial option	Custodial	Full self-custody
Processing Speed	~5 minutes	Minutes to hours	Sub-second
Stablecoin	Third-party	Third-party	Native LUSD
NFT Receipts	No	No	Yes
Setup Time	Days/weeks	Hours/days	Minutes
Hardware Required	No	Optional	No
US Compliance	Varies	Varies	MSB + MTL

Who Should Choose What?

Choose NOWPayments if:

• You need support for 300+ cryptocurrencies

• Non-custodial is enough for your needs

• API integration isn't a barrier

Choose CoinPayments if:

• Simple onboarding is priority

• You're comfortable with custodial services

• 40+ supported tokens meets your needs

Choose Larecoin if:

• Fee savings matter to your margins

• Self-custody is non-negotiable

• US compliance is required

• You want NFT receipt capabilities

• Speed and simplicity are priorities

The Bottom Line for Small Businesses

Small businesses need payment solutions that work as hard as they do.

Every percentage point in fees adds up. Every minute waiting for confirmation costs opportunity. Every compliance risk threatens your operation.

Larecoin built a system specifically for these challenges:

• Lowest possible fees through gas-only transfers

• True self-custody through the Smart Wallet

• Sub-second finality on Solana

• Native LUSD stability

• NFT receipts for modern documentation

• QR-based setup in minutes

• Rigorous US regulatory compliance

CoinPayments and NOWPayments serve their purposes. They've helped businesses accept crypto for years.

But for small businesses ready for the next generation of Web3 payments? The choice is clear.

Ready to Make the Switch?

Stop losing money to payment processing fees. Stop waiting for transaction confirmations. Stop worrying about custody and compliance.

Visit Larecoin to set up your merchant account. Takes minutes. Saves thousands.

Your small business deserves better than legacy payment systems. The future of Web3 payments is here.

Time to claim it.