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

Your small business deserves better than 3% credit card fees eating into every sale.

Crypto POS systems are changing the game. But not all payment processors are created equal.

We're breaking down the three heavyweights: Larecoin, NOWPayments, and CoinPayments. Real numbers. Real features. Real savings.

Let's find out which one actually puts money back in your pocket.

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The Crypto Payment Processor Landscape in 2026

Small businesses are done waiting for traditional finance to catch up.

The shift to crypto payments isn't coming. It's here.

But here's the problem: most crypto payment processors still operate like Web2 companies wearing a Web3 costume. Custodial wallets. Hidden fees. Limited compliance support.

Your business needs more.

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Quick Comparison: The Numbers That Matter

Let's cut straight to what you care about most, fees.

Feature	Larecoin	NOWPayments	CoinPayments
Base Transaction Fee	0.5%	0.5%	0.5% (coins), 1% (tokens)
Fixed-Rate Transactions	Included	1%	Varies
Monthly Fees	$0	$0	$0
Self-Custody	Yes	No	No
NFT Receipts	Yes	No	No
US Compliance (MSB)	Yes	Limited	Limited
Stablecoin Integration	LUSD Native	Third-party	Third-party

Same base fee. Different value.

The difference is what you get beyond that 0.5%.

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NOWPayments: The Simple Option

NOWPayments works. That's the good news.

Pros:

• 0.5% base fee (1% for fixed-rate)

• Wide cryptocurrency support

• SMB-friendly interface

• Nonprofit donation tools

Cons:

• Fiat settlement depends on third-party partners

• Region-dependent capabilities

• No self-custody options

• Standard receipts only

NOWPayments is solid for businesses just dipping their toes into crypto. But once you scale? The limitations show up fast.

No control over your funds. No innovative receipt solutions. No real Web3 integration.

It's crypto payments with training wheels.

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CoinPayments: The Veteran Player

CoinPayments has been around. They've got experience.

Pros:

• 0.5% fee for coins (1% for tokens)

• Thousands of cryptocurrency options

• Shopify, WooCommerce, Magento plugins

• Free wallet deposits (up to threshold)

Cons:

• Limited compliance resources

• No detailed industry case studies

• Custodial model locks up your crypto

• Token payments cost double

CoinPayments shines for e-commerce merchants already running on major platforms. The integrations are seamless.

But the token fee difference matters. If your customers pay in ERC-20 or SPL tokens? You're paying 1% instead of 0.5%. That adds up.

Plus, compliance support is thin. In the current US regulatory environment? That's a risk.

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Larecoin: Built Different for 2026

Here's where things get interesting.

Larecoin isn't just another payment processor. It's a complete Web3 payments ecosystem designed specifically for businesses that want full control.

Fee Structure That Actually Saves Money

0.5% flat fee. Period.

No surprise charges. No token penalties. No fixed-rate upcharges.

Whether your customer pays in Bitcoin, Ethereum, or LUSD: same fee. Every time.

For a small business processing $50,000/month in crypto payments, that consistency translates to predictable budgeting and real savings compared to processors with variable rates.

Self-Custody: Your Keys, Your Crypto

This is the big one.

NOWPayments and CoinPayments hold your funds. They're custodians. Your crypto sits in their wallets until settlement.

Larecoin flips the script.

Full self-custody means payments go directly to your wallet. Not an intermediary's. Not a holding account. Yours.

Why does this matter?

• Security: No counterparty risk. Exchange hacks don't touch your funds.

• Liquidity: Access your money immediately. No waiting for weekly payouts.

• Control: Stake it, swap it, hold it: your call.

Self-custody is the entire point of crypto. Finally, a payment processor that gets it.

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NFT Receipts: More Than a Gimmick

Traditional receipts are paper. Or PDFs sitting in email folders nobody opens.

Larecoin receipts are NFTs.

Every transaction mints a verifiable, on-chain receipt that:

• Proves payment authenticity forever

• Creates a digital paper trail for taxes

• Builds customer loyalty through collectible receipts

• Integrates with accounting systems automatically

Your accountant will thank you. Your customers will share them.

It's proof of purchase reimagined for Web3.

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LUSD: Stablecoin Payments Without the Volatility Headache

Accepting crypto is great until Bitcoin drops 15% before you can convert it.

LUSD eliminates that problem.

Larecoin's native stablecoin maintains a consistent value, giving your business:

• Instant stability: No more checking prices before converting

• Lower fees: Native integration means no third-party conversion costs

• Faster settlement: Skip the fiat off-ramp delays

LUSD works seamlessly within the Larecoin ecosystem. Customers pay in their preferred crypto: your merchant portal shows LUSD equivalent in real-time.

Budget with confidence. Pay suppliers without surprises.

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US Compliance: The Larecoin Advantage

Let's talk about the elephant in the room.

Crypto regulations are tightening. The businesses that survive will be the ones with compliant payment partners.

Larecoin's approach is rigorous:

• Federal MSB Registration: Money Services Business registration with FinCEN

• State MTL Strategy: Pursuing Money Transmitter Licenses across key states

• Transparent Reporting: Built-in tools for tax documentation and compliance

NOWPayments and CoinPayments operate. But their compliance infrastructure for US-based businesses? Limited at best.

When regulators come knocking: and they will: you want a payment processor with paperwork in order.

Larecoin is building for the long game. Ten years of marathon, not a sprint.

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Real Savings Breakdown: A $100K/Year Business

Let's do the math for a small business processing $100,000 annually in crypto payments.

NOWPayments:

• Base fees: $500

• Fixed-rate transactions (estimated 30%): Additional $150

• Total: ~$650/year

CoinPayments:

• Base fees (coins only): $500

• Token payment premium (estimated 40% token volume): Additional $200

• Total: ~$700/year

Larecoin:

• Flat 0.5% across all payment types: $500

• Self-custody value: Priceless (but seriously, no counterparty risk)

• NFT receipts: Built-in marketing value

• Total: $500/year + ecosystem benefits

The numbers speak. Larecoin delivers more for less.

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Who Should Use Each Platform?

Choose NOWPayments if:

• You're brand new to crypto

• Simplicity trumps features

• You don't mind custodial solutions

Choose CoinPayments if:

• You run Shopify/WooCommerce stores

• You need hundreds of altcoin options

• E-commerce integrations matter most

Choose Larecoin if:

• Self-custody is non-negotiable

• You want innovative features (NFT receipts, LUSD)

• US compliance is a priority

• You're building a business for the next decade

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Ready to Stop Overpaying?

The crypto POS market is competitive. But value isn't just about matching the lowest fee.

It's about what you get for that fee.

Larecoin delivers self-custody, NFT receipts, LUSD stability, and serious US compliance: all at the same 0.5% rate competitors charge for basic processing.

Your small business deserves Web3 payments that actually work.

Explore Larecoin's Merchant Solutions and see the difference for yourself.

This is the 10-Year Blog Marathon. We're just getting started.