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


Running a small business in 2026? You've got options. Too many options, honestly.

Crypto payment processors are everywhere now. Everyone promises low fees. Everyone claims to be "merchant-friendly." But when you dig into the details? The differences are massive.

Let's break down three major players: Larecoin, NOWPayments, and CoinPayments. No fluff. Just the stuff that actually matters for your bottom line.

Spoiler: One of these is built completely different.

The Quick Rundown

NOWPayments has been around. It's a solid payment gateway. Supports 300+ cryptocurrencies. Good API docs. Decent for basic crypto acceptance.

CoinPayments is the old-school option. One of the earliest crypto payment processors. Established reputation. Familiar interface.

Larecoin is the new breed. Full Web3 payment ecosystem. Built-in stablecoin (LUSD). NFT receipts. Self-custody options. US-compliant from day one.

See where this is going?

Larecoin Crypto Payments Ecosystem

Fee Savings: Where Your Money Actually Goes

Let's talk numbers. Because that's what matters.

NOWPayments Fees

  • 0.5% per transaction (standard)

  • Network fees passed to customer OR absorbed by merchant

  • No built-in fiat-to-bank payouts

  • Settlement times vary wildly

CoinPayments Fees

  • 0.5% receiving fee

  • Additional withdrawal fees

  • Conversion fees if you want fiat

  • Hidden costs add up fast

Larecoin Fees

  • Gas-only transfers within the ecosystem

  • LUSD settlements eliminate conversion volatility

  • Push-to-card instant payouts

  • Transparent fee structure: no surprises

The difference? With NOWPayments and CoinPayments, you're paying multiple layers. Transaction fee. Network fee. Conversion fee. Withdrawal fee.

Larecoin's architecture cuts through all that. Gas-only transfers mean you're paying pennies, not percentages. When your monthly volume hits $50K, that savings becomes serious money.

NFT Receipts: Not a Gimmick: A Game Changer

Here's something neither NOWPayments nor CoinPayments offer: NFT receipts.

"Why do I need a receipt as an NFT?"

Fair question. Here's why it matters:

  1. Immutable proof of transaction - Can't be altered, lost, or disputed

  2. Automatic accounting integration - Your books stay clean

  3. Tax documentation on-chain - Auditors love verifiable records

  4. Customer loyalty opportunities - Receipt NFTs can unlock rewards

Traditional payment processors give you a PDF. Maybe a CSV export. Larecoin gives you permanent, blockchain-verified transaction records that actually work for modern accounting.

Small business owners spend an average of 5 hours per week on bookkeeping. NFT receipts slash that dramatically.

Futuristic NFT receipt showcases blockchain bookkeeping advantages for small business crypto payments.

The LUSD Advantage: Stablecoin Settlement Done Right

Volatility kills small business margins.

Accept Bitcoin on Monday. Worth $1,000. By Friday? Could be $850. Could be $1,150. That uncertainty is a nightmare for cash flow planning.

NOWPayments offers stablecoin withdrawals. That's fine. But you're still converting, still paying fees, still dealing with multiple steps.

CoinPayments has similar limitations. Accept crypto, convert to stable, withdraw. Each step costs money.

Larecoin's LUSD is native to the ecosystem. No conversion needed. Settle directly in LUSD. Push to card when you need fiat. One step. Minimal fees.

LUSD benefits for small business:

  • Price stability - Pegged value means predictable revenue

  • Instant settlement - No waiting for confirmations

  • Lower tax complexity - Fewer conversion events to track

  • Global acceptance - Works across the Larecoin ecosystem

Your suppliers accept LUSD? Pay them directly. No off-ramp needed. That's the future of B2B payments.

Self-Custody: Your Keys, Your Money

This is where things get real.

NOWPayments and CoinPayments are custodial by default. Your crypto sits in their wallets until you withdraw. Their security issues become your security issues. Their downtime becomes your downtime.

Larecoin offers true self-custody merchant accounts.

What does that mean?

  • Payments go directly to YOUR wallet

  • No third-party holding your funds

  • Withdraw anytime: no approval needed

  • Your private keys, your control

Larecoin decentralized applications

For small business owners who got into crypto because of decentralization principles? This matters. A lot.

The 2024 exchange failures taught everyone a hard lesson. Not your keys, not your crypto. Larecoin built self-custody into the merchant experience from the start.

US Compliance: The Elephant in the Room

Here's where most comparisons skip over something critical.

Regulatory compliance.

NOWPayments operates internationally. Great for global reach. But US compliance? Murky at best. Many features unavailable to US merchants.

CoinPayments has similar geographic limitations. US small businesses often find themselves locked out of key features or facing account restrictions.

Larecoin's approach is different.

  • Money Services Business (MSB) registered

  • State Money Transmitter License (MTL) strategy in progress

  • Built for US compliance from day one

  • Clear regulatory roadmap

Why does this matter for your small business?

Because regulatory crackdowns are coming. They're already here. Operating with a compliant payment processor means:

  • No sudden account freezes

  • No "we're exiting the US market" surprises

  • Legal protection for your business

  • Banking relationships that actually work

NOWPayments and CoinPayments may work today. But will they work in 2027? 2028? Larecoin's compliance-first approach means long-term reliability.

POS Integration: The Practical Stuff

Let's get tactical.

NOWPayments POS Options

  • Limited hardware support

  • API-based integrations

  • Works for online, struggles in-store

  • No native POS terminal

CoinPayments POS Options

  • Plugin-based approach

  • Requires technical setup

  • Better for e-commerce than retail

  • Clunky in-person experience

Larecoin POS Options

  • Contactless POS built-in

  • Smart wallet integration

  • Works online, in-store, AND in metaverse

  • AI-powered transaction matching

Astronaut with Larecoin Token

Small businesses need flexibility. Pop-up at a farmers market? Larecoin works. Online store? Larecoin works. Virtual storefront in the metaverse? Yep. Larecoin works.

That multi-channel capability isn't available with NOWPayments or CoinPayments. Period.

The Verdict: Which Crypto POS Actually Wins?

Let's be direct.

NOWPayments is fine if you just need basic crypto acceptance. 300+ coins supported. Decent API. Gets the job done for simple use cases. But limited POS hardware, no native stablecoin ecosystem, and unclear US compliance make it a risky long-term bet.

CoinPayments has history on its side. Established. Familiar. But that legacy architecture means slower innovation. Higher cumulative fees. And the same compliance concerns as NOWPayments.

Larecoin is built for where crypto payments are going: not where they've been.

  • Fee savings through gas-only transfers

  • NFT receipts for modern accounting

  • LUSD stablecoin for volatility-free settlement

  • Self-custody for true ownership

  • US compliance for long-term security

  • Multi-channel POS for any business model

For small businesses ready to embrace Web3 payments properly? The choice is clear.

Ready to Switch?

Stop paying unnecessary fees. Stop worrying about compliance. Stop settling for payment processors built for 2018.

Check out Larecoin and see what a real Web3 payment ecosystem looks like.

Join the Larecoin Community to connect with other merchants making the switch.

Your customers are ready to pay with crypto. Make sure you're ready to accept it( the right way.)

 
 
 

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