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

Let's cut to the chase.

You're a small business owner. You want to accept crypto. You've heard about NOWPayments. CoinPayments. Maybe a dozen others.

But here's the thing, most crypto POS solutions weren't built for you.

They were built for exchanges. For whales. For enterprises with compliance teams and seven-figure budgets.

Small businesses? An afterthought.

Until now.

Today, we're breaking down three crypto payment processors head-to-head: Larecoin, NOWPayments, and CoinPayments. No fluff. No affiliate bias. Just the raw truth about which crypto POS system for small business actually delivers in 2026.

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The Small Business Crypto Payment Problem

Here's what nobody tells you about accepting crypto at your shop.

Traditional payment processors eat 2.5-3.5% of every transaction. Interchange fees. Processing fees. Monthly fees. Statement fees. Fees on your fees.

For a business doing $50K monthly? That's $1,500+ vanishing into the void. Every. Single. Month.

Crypto was supposed to fix this.

But most crypto payment gateways introduced their own headaches:

• Forced conversions to fiat (hello, taxable events)

• Custodial wallets you don't control

• Clunky integrations requiring developer hours

• Zero receipt infrastructure for accounting

The dream of cheap, fast, self-sovereign payments? Still a dream for most.

Let's see which platform actually delivers.

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NOWPayments: The 300-Coin Buffet

The Good Stuff

NOWPayments has positioned itself as the "accept everything" solution. And they're not wrong.

• 300+ cryptocurrencies supported

• 0.5% transaction fee, competitive

• Web-based POS terminal, no hardware needed

• Setup in under a minute

• No chargebacks (obviously, it's crypto)

For a coffee shop wanting to accept Dogecoin from that one customer who insists? NOWPayments works.

Their QR-code generation is solid. Individual invoices per customer add a nice touch. And their "no upfront costs" model removes friction for testing the waters.

The Not-So-Good

Here's where it gets murky for serious small business operators:

• Limited analytics, you're flying blind on customer insights

• No advanced customization for scaling operations

• Custodial by default, they hold your funds until you withdraw

• Fiat conversion complexity, you'll need third-party services

The 5-minute average transaction time? Fine for e-commerce. Brutal for a busy lunch rush.

And here's the kicker, NOWPayments wasn't built around a comprehensive ecosystem. It's a payment gateway. Full stop. No native stablecoin. No smart wallet infrastructure. No accounting innovation.

Verdict: Great for crypto hobbyists wanting to dip a toe in. Not great for businesses seeking true payment infrastructure.

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CoinPayments: The OG With Baggage

CoinPayments has been around since 2013. That's ancient in crypto years.

The Strengths

• 2,000+ coins supported (yes, really)

• Shopping cart plugins for Shopify, WooCommerce, Magento

• Established reputation and track record

• Multi-coin wallet built-in

If you're running an online store and want plug-and-play crypto acceptance, CoinPayments has the integrations.

The Weaknesses

Age isn't always wisdom.

• 0.5% fee baseline, but additional fees stack up

• Interface feels... 2017

• Custodial model, your keys? Not your crypto

• Customer support horror stories are legendary

• No meaningful innovation in years

CoinPayments solved yesterday's problems. But small businesses in 2026 need more than "we support 2,000 coins nobody uses."

The lack of modern features, self-custody options, NFT receipts, intelligent POS systems, keeps CoinPayments stuck in the past.

Verdict: Legacy solution for legacy needs. If you're building for the future, look elsewhere.

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Larecoin: Built Different From Day One

Full disclosure: This is our blog. But we're going to give you the same honest breakdown.

Larecoin wasn't designed as "another payment processor."

It was engineered as a complete ecosystem for Web3 commerce. And that difference matters.

The Core Stack

LARE Token – The receivables token powering the entire system

LUSD – Native stablecoin eliminating volatility headaches

LarePAY – Merchant payment infrastructure

LareBlocks – Blockchain backbone for transactions

Smart Wallet – Self-custody with enterprise features

This isn't a gateway bolted onto existing crypto. It's purpose-built payment infrastructure.

What Actually Matters for Small Business

50% Lower Fees Than Legacy Systems

Not 0.5% on top of interchange. Not hidden conversion fees.

Larecoin's architecture slashes total payment costs by half compared to traditional processors. For that $50K/month business? You're keeping $750+ that would've disappeared.

True Self-Custody

The Larecoin Smart Wallet puts you in control. Your keys. Your funds. Your rules.

No waiting for withdrawal windows. No custodial risk. No platform deciding when you can access your money.

QR-Generated POS That Actually Works

Forget clunky hardware. Forget 5-minute wait times.

Larecoin's QR-based POS generates in seconds. Customer scans. Transaction confirms. Done.

Built for the lunch rush. Built for the farmer's market. Built for real commerce.

The Innovation Nobody Else Offers: NFT Receipts

Here's where Larecoin leaves the competition in the dust.

Every transaction generates an NFT receipt.

Why does this matter?

• Tax season becomes painless, immutable, timestamped proof of every sale

• Accounting automation, receipts that integrate with your books

• Dispute resolution, blockchain-verified transaction records

• Customer loyalty potential, receipts that can carry rewards, discounts, future value

NOWPayments gives you an invoice. CoinPayments gives you a CSV export.

Larecoin gives you accounting infrastructure on-chain.

For small businesses dreading tax season? Game changer.

LUSD: Volatility? Not Your Problem

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

LUSD is Larecoin's native stablecoin. Accept payment. Settle in LUSD. Zero volatility exposure.

Or hold LARE if you're bullish. Your choice. Your strategy.

That optionality doesn't exist with gateway-only solutions.

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The Head-to-Head Breakdown

Feature	NOWPayments	CoinPayments	Larecoin
Transaction Fee	0.5%	0.5%+	Up to 50% savings vs legacy
Coins Supported	300+	2,000+	LARE, LUSD + ecosystem
Self-Custody	No	No	Yes (Smart Wallet)
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	Yes (LUSD)
QR POS	Yes	Limited	Yes (optimized)
Setup Time	<1 min	5-10 min	Minutes
Built for Small Biz	Partially	Partially	Core focus

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Who Should Use What?

Choose NOWPayments if:

• You want to accept obscure altcoins

• You're testing crypto acceptance casually

• E-commerce only (no physical POS needs)

Choose CoinPayments if:

• You need legacy shopping cart integrations

• Coin variety matters more than features

• You're comfortable with dated interfaces

Choose Larecoin if:

• Fees actually matter to your margins

• You want self-custody without complexity

• NFT receipts for accounting sound like salvation

• You're building a business, not playing with payments

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The Bottom Line

Small business crypto payments have been stuck for years.

Gateway solutions solved the "accept crypto" problem. But they didn't solve the "run a profitable business accepting crypto" problem.

High fees. Custodial risk. Accounting nightmares. Volatility exposure.

Larecoin addresses all of it. Not with incremental improvements. With architectural innovation.

The receivables token model. The LUSD stablecoin. The NFT receipt infrastructure. The self-custody Smart Wallet.

This is what crypto payments look like when they're designed for merchants: not retrofitted for them.

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Ready to See the Difference?

Stop leaving money on the table with legacy fees.

Stop trusting custodians with your revenue.

Stop dreading tax season.

Explore the Larecoin ecosystem and discover what crypto POS was always supposed to be.

Your margins will thank you.