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

Welcome back to the Larecoin 10-Year Blog Marathon. Today's topic? The big comparison.

You're running a small business. You want crypto payments. But the market's crowded. NOWPayments. CoinPayments. Larecoin. Which one actually delivers?

Let's break it down. No fluff. Just facts.

The Crypto POS Landscape in 2026

Small businesses are done waiting. Crypto adoption isn't "coming soon" anymore: it's here. But choosing the wrong payment processor? That's money left on the table.

Three names dominate the conversation:

• NOWPayments : Established. Enterprise-focused. 300+ tokens.

• CoinPayments : The veteran. Launched 2013. 2,000+ tokens.

• Larecoin : The disruptor. Web3-native. Gas-only fees.

Each has strengths. Each has trade-offs. Let's see who wins where it matters.

Fee Comparison: Where Your Money Actually Goes

Here's the reality. Transaction fees eat into margins. Especially at scale.

Platform	Processing Fee	Annual Cost ($500K Volume)
NOWPayments	0.5–1%	~$3,750
CoinPayments	0.5–1%	~$3,750
Larecoin	Gas fees only	Under $2,000

Do the math. At $100,000 monthly revenue, Larecoin claims $2,500–$3,500 in yearly savings compared to traditional processors.

Why? No intermediaries. No percentage cuts. Just blockchain gas fees.

That's not a minor difference. That's a staff member's monthly salary. A marketing budget. Real money.

The Hidden Cost Problem

NOWPayments and CoinPayments charge percentage-based fees. The more you grow, the more you pay. Simple.

Larecoin flips that model. Gas-only transfers mean your costs stay predictable. Scalable. Merchant-friendly.

For small businesses watching every dollar? This matters.

Self-Custody: Who Actually Controls Your Crypto?

This is where things get interesting.

Platform	Custody Model
NOWPayments	Non-custodial
CoinPayments	Partial custodial
Larecoin	Full self-custody via Smart Wallet

NOWPayments offers non-custodial options. Solid. But setup complexity can be a headache for small teams.

CoinPayments sits in the middle. Some custodial elements. Some control. Not fully yours.

Larecoin goes all-in on self-custody. Your keys. Your crypto. Direct merchant-to-customer transactions. No middleman holding your funds.

In Web3, the phrase is simple: Not your keys, not your coins.

Larecoin takes that seriously.

LUSD: The Stablecoin Advantage

Volatility kills small business cash flow. Bitcoin's up 10% today? Great. Down 15% tomorrow? Problem.

Both NOWPayments and CoinPayments rely on third-party stablecoin integrations. USDT. USDC. They work. But they're not native.

Larecoin built LUSD directly into the ecosystem.

Why LUSD Matters

• Native integration : No bridging. No extra steps.

• Instant settlement : Receive, hold, or convert seamlessly.

• Ecosystem synergy : Works across Larecoin's entire stack.

For merchants who want predictable revenue without the crypto rollercoaster? LUSD delivers.

Third-party stablecoins add friction. LUSD removes it.

NFT Receipts: Proof That Actually Means Something

Here's something neither NOWPayments nor CoinPayments offers.

NFT receipts.

Every Larecoin transaction can generate an immutable, on-chain receipt. Think about that for a second.

Why This Changes Everything

• Audit-ready : Permanent, verifiable transaction records.

• Dispute resolution : Proof that can't be altered or deleted.

• Customer trust : Transparency that builds loyalty.

Traditional receipts? Paper. Emails. Lost in spam folders.

NFT receipts? On-chain forever. Tamper-proof. Professional.

For small businesses dealing with returns, warranties, or compliance requirements? This isn't a gimmick. It's infrastructure.

Settlement Speed: Time Is Money

Platform	Settlement Speed
NOWPayments	~5 minutes average
CoinPayments	Minutes to hours
Larecoin	Near-instant

NOWPayments averages around 5 minutes. Acceptable.

CoinPayments varies wildly. Sometimes minutes. Sometimes hours. Depends on network congestion and token choice.

Larecoin pushes for near-instant settlement. Direct transfers. No queue.

When a customer pays, you want that money accessible. Not stuck in processing limbo.

Token Support: Quality Over Quantity?

Let's address the elephant in the room.

• CoinPayments: 2,000+ tokens

• NOWPayments: 300+ tokens

• Larecoin: Optimized selection

More isn't always better.

CoinPayments supports basically everything. But how many of those 2,000 tokens do your customers actually use? Five? Ten?

NOWPayments offers solid coverage. 300+ is respectable.

Larecoin takes a different approach. Curated selection. The tokens that matter. Optimized for speed and cost efficiency.

For most small businesses, you don't need 2,000 options. You need Bitcoin. Ethereum. Stablecoins. Maybe a few others.

Quality beats quantity when you're optimizing for real-world usage.

US Compliance: The Regulatory Reality

This is where Larecoin separates itself.

Operating in the US? Compliance isn't optional. It's survival.

Larecoin is pursuing a rigorous US compliance strategy:

• Money Services Business (MSB) registration

• State Money Transmitter License (MTL) strategy

Why does this matter? Because regulatory clarity protects you. Your business. Your customers.

NOWPayments and CoinPayments operate internationally. They serve US merchants. But Larecoin's active pursuit of state-by-state licensing shows commitment to the long game.

For small businesses worried about regulatory exposure? This matters more than features.

Processing Simplicity: Can Your Staff Actually Use It?

Platform	Setup Complexity
NOWPayments	Medium-High
CoinPayments	Low
Larecoin	Low (QR-based)

NOWPayments offers powerful customization. But that power comes with complexity. Expect a learning curve.

CoinPayments keeps things simple. Basic e-commerce integrations. Familiar interface.

Larecoin goes QR-native. Scan. Pay. Done.

Your staff shouldn't need a crypto degree to process payments. Simplicity wins in retail environments.

The Bottom Line: Which One's Right For You?

Let's be real. Each platform has its place.

Choose NOWPayments if:

• You need 300+ token support

• Enterprise-level customization matters

• You have technical resources for setup

Choose CoinPayments if:

• Maximum token variety is priority

• You want a veteran, established platform

• Basic e-commerce integration is enough

Choose Larecoin if:

• Fee savings are critical to your margins

• Self-custody and LUSD stability matter

• NFT receipts and Web3-native features appeal to you

• US compliance gives you peace of mind

The Larecoin Difference

Here's what it comes down to.

NOWPayments and CoinPayments are solid. Established. Reliable.

But Larecoin is built different. Web3-native from day one. Gas-only fees. Full self-custody. Native stablecoin. NFT receipts. Active US compliance pursuit.

For small businesses looking to maximize savings while embracing the future of payments?

Larecoin isn't just competing. It's redefining the category.

Ready to see the difference yourself? Explore Larecoin and join the next generation of crypto payments.

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This post is part of the Larecoin 10-Year Blog Marathon. Stay tuned for more insights on Web3 payments, DeFi, and the future of commerce.