Larecoin Vs CoinPayments Vs NOWPayments: Which Crypto POS System Is Better For Your Small Business?

Small business owners are tired of getting squeezed.

Traditional payment processors take 2.5-3.5% of every transaction. That's thousands of dollars walking out the door every year. Crypto payment solutions promise relief. But which one actually delivers?

Let's break down three major players: Larecoin, CoinPayments, and NOWPayments. No fluff. Just facts.

By the end, you'll know exactly which crypto POS system deserves your business.

The Fee Problem Is Real

Here's the math that keeps small business owners up at night.

Processing $500,000 in annual sales? Traditional card processors take $12,500-$17,500 in fees. Every single year.

That's not a rounding error. That's a part-time employee. That's inventory. That's growth capital.

Crypto payment gateways exist to solve this exact problem. But they're not all created equal.

Fee Structure: Where The Real Savings Live

NOWPayments charges 0.5-1% per transaction. Solid improvement over traditional processors. On $500,000 annual volume, you're looking at roughly $2,500-$5,000 in processing costs.

CoinPayments operates in a similar range. Expect 0.5-1% fees depending on your setup and volume. Annual cost on that same $500,000? Approximately $2,500-$5,000.

Larecoin takes a different approach entirely.

The gas-only transfer model eliminates traditional percentage-based fees. You pay network gas costs. Period. On Solana, those costs are measured in fractions of pennies.

Result? Processing that same $500,000 could cost under $2,000 annually.

That's not marginal savings. That's a 50%+ reduction compared to other crypto processors. And an 85%+ reduction compared to traditional card networks.

Processing Speed: Time Is Money

Nobody wants customers waiting around while a transaction confirms.

CoinPayments processing times range from minutes to hours. Depends on network congestion and the specific cryptocurrency used. Not ideal for retail environments.

NOWPayments performs better at approximately 5 minutes per transaction. Workable for e-commerce. Still awkward for in-person sales.

Larecoin runs on Solana. Sub-second finality. Near-instant processing.

Your customer pays. The transaction confirms. Done. No awkward standing around. No hoping the network isn't congested.

For brick-and-mortar operations, this difference is massive.

Custody: Who Actually Controls Your Money?

This is where things get serious.

CoinPayments uses a custodial model. They hold your funds before releasing them to you. Your money sits in their system until they decide to send it.

What happens if their platform goes down? Gets hacked? Faces regulatory issues?

Your funds are at risk.

NOWPayments offers a non-custodial option. Payments can go directly to your wallet. Better. But implementation varies depending on how you configure the system.

Larecoin was built differently from the ground up.

Full self-custody. Always.

Funds flow directly to your merchant wallet. Immediately. No middleman holding your revenue. No third-party counterparty risk.

This isn't just a technical preference. It's financial sovereignty. Your money. Your wallet. Your control.

The LUSD Stablecoin Advantage

Crypto volatility scares merchants. Understandably so.

Accept $500 in Bitcoin. Wake up tomorrow and it's worth $450. Or $550. That unpredictability makes accounting a nightmare.

NOWPayments supports stablecoins. USDT. USDC. Standard options.

CoinPayments offers similar stablecoin support. Nothing revolutionary.

Larecoin introduces LUSD, a native stablecoin built specifically for the ecosystem.

Why does this matter?

LUSD enables instant, zero-volatility transactions without leaving the Larecoin infrastructure. No bridge. No swap. No additional steps.

Customers pay. You receive stable value. Immediately.

The integration is seamless because it was designed that way from day one.

NFT Receipts: Not A Gimmick

Here's something neither CoinPayments nor NOWPayments offer.

NFT receipts.

Every Larecoin transaction generates an immutable, on-chain receipt. Stored permanently on the blockchain.

Think about that for accounting purposes. For dispute resolution. For tax documentation.

No more digging through paper receipts. No more "the email got lost." No more he-said-she-said about what was purchased when.

The blockchain doesn't forget. The blockchain doesn't lie.

For small businesses dealing with returns, warranties, or any customer service scenario, this is transformative.

Competitors simply don't have this feature.

Cryptocurrency Support Comparison

NOWPayments leads here with 300+ cryptocurrencies supported. Impressive breadth.

CoinPayments supports 40+ cryptocurrencies. Covers the major players but less comprehensive.

Larecoin offers comprehensive cryptocurrency support with a focus on what merchants actually need. Plus native LUSD integration that competitors can't match.

The question isn't always "how many coins can I accept?" It's "can I accept the coins my customers actually want to use?"

Setup And Integration

CoinPayments gets points for simplicity. Low barrier to entry. But some merchants report the integrations feel dated. The platform is stable but hasn't evolved much.

NOWPayments offers medium complexity setup with flexible network fee customization. Good documentation. Reasonable learning curve.

Larecoin prioritizes low-friction onboarding. The merchant portal is designed for business owners, not blockchain developers.

Set up your contactless POS. Connect your wallet. Start accepting payments.

No PhD in computer science required.

Head-To-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Gas-only
Processing Speed	~5 minutes	Minutes to hours	Near-instant
Self-Custody	Partial	Limited	Full
Native Stablecoin	No	No	LUSD
NFT Receipts	No	No	Yes
Annual Cost ($500K volume)	$2,500-$5,000	$2,500-$5,000	Under $2,000

The numbers speak for themselves.

Who Should Use What?

Choose CoinPayments if:

• You want a stable, established platform

• You don't mind custodial arrangements

• Processing speed isn't critical

• You prefer familiar over innovative

Choose NOWPayments if:

• You need maximum cryptocurrency variety

• You want non-custodial options

• You can tolerate 5-minute processing times

• You're comfortable with moderate complexity

Choose Larecoin if:

• Minimizing fees is your priority

• You demand self-custody and financial sovereignty

• Instant processing is essential

• You want NFT receipts for accounting and compliance

• You prefer native stablecoin integration

• You're building for the future of Web3 commerce

The Bottom Line

Every crypto payment processor beats traditional card networks on fees. That's table stakes.

The real question is which platform gives you the most control, the lowest costs, and the most innovative features.

CoinPayments is the safe, boring choice. It works. It's been around.

NOWPayments offers more flexibility and better custody options.

Larecoin delivers the complete package. Lowest fees through gas-only transfers. Full self-custody. Near-instant processing. Native LUSD stablecoin. NFT receipts for immutable transaction records.

For small businesses serious about financial sovereignty and maximizing every dollar: the choice is clear.

Ready to slash your payment processing costs by 50% or more?

Explore Larecoin's merchant solutions and see what Web3 payments should actually look like.