Larecoin Vs NOWPayments Vs CoinPayments: Which Crypto POS System Actually Wins for Small Business?

Small business owners are bleeding money. Every swipe, tap, and transaction chips away at your margins. Traditional payment processors charge anywhere from 2.5% to 4% per transaction. Over a year? That's thousands gone.

Crypto POS systems promise a way out. But not all solutions deliver.

Let's break down three major players: Larecoin, NOWPayments, and CoinPayments. Which one actually serves small businesses best in 2026?

Spoiler: One platform is built differently.

The Interchange Fee Problem Nobody Talks About

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

Average transaction: $50. Traditional processing fee: 3%. That's $1.50 gone. Multiply by 100 daily transactions. You're losing $150 per day. $4,500 per month. $54,000 per year.

That's an employee's salary. Gone to payment processors.

Crypto payment systems entered the market promising lower fees. Some delivered. Others just shifted the problem.

NOWPayments: The Basic Option

NOWPayments positions itself as the accessible choice. Fair assessment? It's decent for absolute beginners.

What they offer:

• 0.5% fees on API integrations

• 300+ cryptocurrencies supported

• Basic POS for brick-and-mortar stores

• Plugins for Shopify, WooCommerce, Magento

• Operations in 175+ countries

The workflow: Enter fiat amount. Select crypto. Generate QR code. Customer pays.

Simple. Functional. Limited.

The problems:

• No advanced analytics

• Minimal customization

• Lacks enterprise-grade financial tools

• Custody concerns remain unaddressed

• No stablecoin ecosystem integration

NOWPayments works. But "works" isn't the same as "excels." For a small business looking to scale, basic functionality creates a ceiling.

CoinPayments: The Legacy Player

CoinPayments has been around. That's both advantage and limitation.

What they offer:

• Multi-currency support

• Shopping cart plugins

• Basic merchant tools

• Established reputation

The problems:

• Fee structures can add up quickly

• Custody model raises questions about true ownership

• Integration complexity for non-technical users

• Limited Web3-native features

• No NFT receipt functionality

• Outdated approach to merchant sovereignty

CoinPayments built for a different era. The crypto landscape evolved. Their infrastructure? Not as much.

For merchants wanting cutting-edge Web3 payments, legacy architecture creates friction.

Larecoin: Built for Merchant Sovereignty

Different philosophy. Different results.

Larecoin wasn't designed to be another payment processor. It was built to slash interchange fees by 50%+ while giving merchants something traditional systems never could: true financial sovereignty.

Core advantages:

Fee Structure That Actually Helps

Traditional processors take 2.5-4%. NOWPayments takes 0.5%. CoinPayments varies.

Larecoin's model cuts deeper. We're talking 50%+ savings compared to traditional interchange. For a business processing $500K annually, that's potentially $7,500+ back in your pocket.

Real money. Real impact.

LUSD Stablecoin: Volatility Solved

Crypto volatility kills merchant adoption. Accept Bitcoin today, watch its value swing 10% by morning.

LUSD changes the equation.

Larecoin's native stablecoin provides:

• Price stability pegged to real value

• Instant settlement without conversion anxiety

• Seamless integration within the Larecoin ecosystem

• No third-party exchange required

Merchants receive predictable value. Customers pay with crypto confidence. Both sides win.

NOWPayments offers fiat conversion. CoinPayments provides similar options. Neither built a native stablecoin ecosystem designed specifically for merchant needs.

NFT Receipts: Your New Competitive Edge

Here's where things get interesting.

Traditional receipts? Paper waste or email clutter. Forgettable. Disposable.

NFT receipts transform every transaction into:

• Verifiable proof of purchase on blockchain

• Customer loyalty data you actually own

• Collectible touchpoints driving repeat business

• Warranty and return verification that can't be faked

• Marketing opportunities competitors can't match

Imagine a coffee shop where every 10th NFT receipt unlocks a free drink. Automatically. Immutably. No punch cards lost.

Small businesses using NFT receipts report increased customer engagement. It's not gimmick. It's infrastructure.

NOWPayments? No NFT receipts. CoinPayments? Same story.

Larecoin delivers Web3 functionality others haven't built yet.

Self-Custody: You Actually Own Your Money

This matters more than most realize.

Traditional payment processors and many crypto solutions hold your funds. They control the keys. They set the rules. They can freeze accounts.

Self-custody means:

• Your keys, your crypto

• No intermediary approval needed

• Instant access to your funds

• True financial independence

• Protection from platform risk

The entire point of crypto was eliminating middlemen. Some "crypto" payment solutions reintroduced them.

Larecoin stays true to Web3 principles. Merchants maintain control. Period.

The Feature Comparison Breakdown

Feature	Larecoin	NOWPayments	CoinPayments
Fee Reduction	50%+ vs traditional	0.5% API	Variable
Native Stablecoin	LUSD ✓	✗	✗
NFT Receipts	✓	✗	✗
Self-Custody	✓	Limited	Limited
Web3-Native	✓	Partial	Legacy
Merchant Sovereignty	Full	Partial	Partial
Contactless POS	✓	Basic	Basic

The gaps are clear.

Real-World Application: Why This Matters

A boutique retail store processes $30,000 monthly. Traditional processing costs approximately $900/month in fees.

With Larecoin's 50%+ savings: $450+ back monthly. $5,400+ annually.

That funds:

• Additional inventory

• Marketing campaigns

• Employee bonuses

• Business expansion

Plus NFT receipts creating customer loyalty loops. Plus LUSD stability eliminating volatility concerns. Plus self-custody ensuring you control every dollar.

The compound effect is substantial.

What Small Businesses Actually Need

Let's cut through the marketing speak.

Small businesses need:

1. Lower fees : Every percentage point matters

2. Stability : Predictable revenue, not volatile swings

3. Control : Your money shouldn't depend on platform policies

4. Innovation : Tools that differentiate from competitors

5. Simplicity : Tech that works without PhD requirements

NOWPayments delivers partial solutions. CoinPayments offers legacy functionality.

Larecoin addresses all five. By design.

The Verdict

NOWPayments: Adequate for crypto-curious beginners wanting basic functionality. Limited ceiling.

CoinPayments: Established but aging. Works for those avoiding change.

Larecoin: Built for merchants who understand that Web3 payments should actually benefit the merchant.

50%+ fee reduction. LUSD stablecoin stability. NFT receipts creating loyalty ecosystems. True self-custody. Contactless POS ready for modern retail.

This isn't incremental improvement. It's a different category.

Your Next Move

Small business margins are tight. Payment processing shouldn't make them tighter.

The crypto POS revolution is happening. The question: Which side are you on?

Legacy solutions clinging to outdated models. Or Web3-native infrastructure built for merchant success.

Explore what Larecoin offers at larecoin.com. See the full ecosystem in action.

Your interchange fees are waiting to be slashed. Your customers are ready for NFT receipts. Your financial sovereignty is within reach.

The comparison is complete. The winner is clear.