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

Traditional payment processors are bleeding your business dry.

2.5% to 3.5% on every transaction. That's $15,000 gone on $500K in annual revenue. Just gone. Vanished into the pockets of legacy payment rails.

Crypto POS systems fix this. But not all of them are created equal.

Three platforms dominate the conversation right now: Larecoin, CoinPayments, and NOWPayments. Each promises lower fees. Each claims to be "the future."

So which one actually delivers for your small business?

Let's break it down.

The Fee Reality Check

Here's where things get interesting.

All three platforms crush traditional card processors. That's a given. But the differences between them? Substantial.

Platform	Fee Structure	Annual Cost ($500K Volume)
Traditional Card	2.5-3.5%	~$15,000
NOWPayments	0.5-1%	~$5,000
CoinPayments	0.5-1%	~$5,000
Larecoin	Gas fees only	Under $2,000

Read that again.

Larecoin operates on gas fees only. No percentage cuts. No hidden platform fees eating into your margins.

On $10,000 monthly revenue, traditional processors cost you ~$320. NOWPayments and CoinPayments run $75-100. Larecoin? Even lower, with zero custodial risk attached.

That's not incremental savings. That's a 50%+ slash in interchange costs.

Settlement Speed: Time Is Money

Waiting for funds? That's dead capital.

CoinPayments settles in minutes to hours. Inconsistent. Unpredictable.

NOWPayments averages around 5 minutes. Better. Still not instant.

Larecoin? Near-instant settlement. Your funds hit your wallet immediately.

For cash flow management, this matters. A lot.

Small businesses operate on tight margins. Waiting hours, or worse, days, for settlement creates unnecessary friction. It limits your ability to reinvest, restock, or respond to opportunities.

Instant settlement = instant liquidity.

The Custody Question: Who Actually Owns Your Crypto?

This is where most crypto payment processors fail merchants.

CoinPayments runs a custodial model. The platform holds your funds. You're trusting a third party with your assets.

Sound familiar? It should. It's basically the same model as traditional banking. You're just swapping one intermediary for another.

NOWPayments offers non-custodial options. Payments forward directly to your wallet. Better. But operational balances still require optional custody.

Larecoin takes a different approach entirely.

Full self-custody. Every transaction. Every time.

Funds go directly to your wallet. Immediately. No intermediary holding your assets. No counterparty risk. No "not your keys, not your crypto" scenarios.

This isn't a minor detail. It's fundamental to why Web3 payments exist in the first place.

Self-custody means:

• You control your assets 24/7

• No platform freezes or holds

• No reliance on third-party solvency

• True financial sovereignty

CoinPayments keeps your funds. NOWPayments offers partial solutions. Larecoin never touches them.

NFT Receipts: The Feature Nobody Else Has

Here's where Larecoin separates from the pack completely.

Neither CoinPayments nor NOWPayments offers NFT receipts. Zero.

Larecoin provides immutable, on-chain receipt generation for every transaction.

Why does this matter?

Traditional receipts are paper. Or PDFs. Easily lost. Easily disputed. Easily forged.

NFT receipts are permanent. They exist on-chain forever. Tamper-proof. Verifiable. Automatic.

For accounting? Game-changer. Every transaction creates an immutable record. No more digging through email archives. No more "I never received that" disputes.

For customer disputes? Resolved instantly. The blockchain doesn't lie.

For tax season? Your entire transaction history exists on-chain. Exportable. Verifiable. Audit-ready.

This isn't a gimmick. It's practical utility that saves real hours and real headaches.

LUSD: The Native Stablecoin Advantage

Volatility kills merchant adoption.

Accept Bitcoin today. Worth $60K. Tomorrow? $55K. Next week? Who knows.

Stablecoins solve this. But not all stablecoin integrations are equal.

NOWPayments supports 30+ stablecoins. Third-party tokens. Multiple dependencies. Multiple points of failure.

CoinPayments offers limited stablecoin support. Also third-party.

Larecoin features LUSD, a native stablecoin built into the ecosystem.

Native integration means:

• Seamless conversion at point of sale

• No additional bridge or swap fees

• Consistent settlement experience

• Ecosystem-optimized performance

Your customers pay in whatever crypto they hold. You receive stable value. No volatility exposure. No complex conversion workflows.

It's the simplicity merchants actually need.

Feature-by-Feature Breakdown

Let's get granular.

Feature	NOWPayments	CoinPayments	Larecoin
Cryptocurrencies	300+	40+	Comprehensive
Stablecoins	30+ (third-party)	Limited	LUSD (native)
NFT Receipts	No	No	Yes
Custody Model	Partial non-custodial	Custodial	Full self-custody
Settlement Speed	~5 minutes	Minutes to hours	Near-instant
Integration Complexity	High	Low	Low
Network Fee Customization	Yes	No	Yes

NOWPayments wins on raw cryptocurrency variety. 300+ tokens is impressive.

But variety without control? Limited value.

CoinPayments wins on simplicity. Easy setup. Low learning curve. But described consistently as "stable but outdated." The custodial model limits merchant freedom significantly.

Larecoin wins where it matters: fees, speed, custody, and innovative features like NFT receipts.

Best Use Cases

Choose NOWPayments if:

• You need maximum cryptocurrency variety

• Your customer base uses obscure altcoins

• You're comfortable with plugin-heavy integration

• Partial non-custodial works for your risk tolerance

Choose CoinPayments if:

• Simplicity trumps everything else

• You don't mind custodial arrangements

• Your technical resources are limited

• You're okay with an older interface

Choose Larecoin if:

• Fee reduction is priority #1

• Self-custody is non-negotiable

• You want near-instant settlement

• NFT receipts add value to your operations

• You're building for Web3-native commerce

The Math That Matters

Let's talk real numbers.

Small business processing $100K monthly. That's $1.2M annually.

Traditional processors: ~$36,000 in fees per year.

NOWPayments or CoinPayments: ~$6,000-$12,000 per year.

Larecoin: Significantly under that. Gas-only model means you're paying network fees: not platform percentages.

Annual savings switching to Larecoin from traditional: $30,000+

Annual savings switching to Larecoin from competitors: $2,500-$3,500+

That's real money. That's inventory. That's marketing budget. That's employee bonuses. That's growth capital.

The Self-Custody Imperative

We've seen what happens when platforms hold your funds.

Exchange collapses. Frozen accounts. Withdrawal restrictions. Regulatory seizures.

The entire point of crypto is removing intermediaries. Why accept payments in crypto only to hand them to another middleman?

Self-custody isn't paranoia. It's prudent.

Larecoin's architecture ensures funds never touch platform wallets. Direct to your address. Every transaction.

Your keys. Your crypto. Your business.

Getting Started

Ready to slash fees and take control?

The Larecoin merchant portal handles onboarding. API integration is straightforward. Smart wallet functionality is built in.

No complex plugin dependencies. No custody agreements to sign. No percentage cuts on every sale.

Just lower fees, faster settlement, and true ownership of your revenue.

Visit Larecoin to explore the ecosystem.

---

The choice is clear.

CoinPayments is outdated. NOWPayments is capable but compromised on custody.

Larecoin delivers what Web3 payments actually promised: lower costs, instant settlement, full control, and features like NFT receipts that competitors simply don't offer.

Your small business deserves better than 3% fees and custodial risk.

It's time to upgrade.