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

Small business owners are tired of getting crushed by payment processing fees.

Visa takes a cut. Mastercard takes a cut. Your payment processor takes a cut. Everyone's eating before you even see your money.

Enter crypto POS systems. The promise? Lower fees. Faster settlements. No middlemen.

But here's the catch: not all crypto payment solutions are built equal.

Let's break down three contenders: NOWPayments, CoinPayments, and Larecoin: and figure out which one actually delivers for small businesses in 2026.

The Problem: Legacy Payment Systems Are Bleeding You Dry

Traditional interchange fees run between 1.5% to 3.5% per transaction.

That's thousands of dollars annually walking out the door. For a small business pulling $200K in annual card sales, you're looking at $4,000-$7,000 gone. Poof.

Crypto payment processors entered the chat promising relief. But many just replaced old problems with new ones.

Custody concerns. Complicated integrations. Limited crypto support. Slow settlement times.

Time to see who actually solves these problems.

NOWPayments: The Speed Demon

The Basics:

• 300+ cryptocurrencies supported

• 0.5-1% processing fees

• Non-custodial (you keep your keys)

• ~5 minute processing time

NOWPayments has carved out a reputation for speed and flexibility. Their support for 300+ cryptocurrencies means your customers can pay however they want. Bitcoin. Ethereum. Solana. Obscure altcoins. They've got it.

What's Good:

• Lightning-fast processing (some networks clear under 1 minute)

• User-friendly interface

• Customizable network fee options

• Immediate withdrawals

What's Not:

• Support quality lags behind competitors

• No built-in accounting or tax features

• Still custodial-adjacent in practice

• Basic POS functionality

For pure crypto-to-crypto transactions, NOWPayments works. But small businesses need more than just payment acceptance.

CoinPayments: The Veteran Player

The Basics:

• 40+ cryptocurrencies supported

• 0.5-1% processing fees

• Custodial wallets (they hold your keys)

• Variable processing times

CoinPayments has been around forever in crypto years. They've processed billions in payments. Experience counts for something.

What's Good:

• Solid support team (7.8/10 rating)

• Proven track record

• Multiple integration options

• Subscription billing support

What's Not:

• Custodial model (not your keys, not your crypto)

• Slower processing during network congestion

• Limited stablecoin options (21 vs NOWPayments' 30+)

• No innovative features for modern business needs

CoinPayments works. It's reliable. But it's also stuck in 2020.

Small businesses in 2026 need solutions that go beyond basic payment acceptance.

Larecoin: The Game Changer

Here's where things get interesting.

Larecoin isn't just another crypto payment processor. It's a complete ecosystem built specifically for modern commerce.

The Core Stack:

• LARE: Receivables token

• LUSD: Stablecoin for consistent value

• LarePAY: Merchant payment solution

• LareBlocks: Smart contract infrastructure

What Sets Larecoin Apart:

50% Lower Interchange Fees

Legacy systems charge 2-3%. NOWPayments and CoinPayments charge 0.5-1%.

Larecoin? The ecosystem is designed to slash those fees by 50% compared to traditional payment processors. We're talking real savings that add up fast.

For that same $200K business? You're keeping an extra $2,000-$3,500 annually. That's a part-time employee. Marketing budget. Actual profit.

True Self-Custody with the Smart Wallet

The Larecoin Smart Wallet changes the game.

Your funds. Your keys. Your control.

No waiting for withdrawals. No custody concerns. No third party holding your money hostage.

The Smart Wallet integrates directly with the POS system, creating seamless transaction flow without sacrificing security.

NFT Receipts: Tax Season Just Got Easy

This is the innovation nobody else offers.

Every transaction generates an NFT receipt. Immutable. Timestamped. Automatically categorized.

Come tax season? Your accountant will thank you. Every receipt lives on-chain, organized and accessible. No more shoebox full of paper receipts. No more spreadsheet nightmares.

For small businesses, this alone saves hours of administrative headaches.

QR-Generated POS

No hardware required. No complex integration.

Generate a QR code. Customer scans. Transaction complete.

Works on any device. Any location. Pop-up shop? Farmer's market? Food truck? Your POS goes wherever you go.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	50% less than legacy
Crypto Support	300+	40+	LARE, LUSD, major cryptos
Custody Model	Non-custodial	Custodial	True self-custody
Processing Speed	~5 min	Variable	Near-instant
NFT Receipts	❌	❌	✅
Smart Wallet	❌	❌	✅
QR POS	Basic	Basic	Native
Tax Integration	❌	❌	Built-in via NFT receipts

Why Larecoin Wins for Small Business

Small businesses don't just need payment processing.

They need:

• Lower costs to improve margins

• Self-custody to maintain control

• Simplified accounting to reduce overhead

• Flexible POS to operate anywhere

NOWPayments and CoinPayments solve the first problem partially. They reduce fees compared to Visa and Mastercard.

But they stop there.

Larecoin addresses the entire small business payment lifecycle:

1. Accept payments with minimal fees

2. Maintain complete custody of funds

3. Generate automatic tax-ready receipts

4. Deploy POS anywhere with QR codes

5. Access stable value through LUSD

The ecosystem approach matters. LarePAY handles merchant transactions. LareBlocks powers the smart contract infrastructure. LUSD provides stability. LARE serves as the receivables token tying it all together.

It's not just a payment processor. It's payment infrastructure built for how small businesses actually operate.

The Bottom Line

NOWPayments works if you just need basic crypto acceptance with speed.

CoinPayments works if you want a proven track record and don't mind custody concerns.

Larecoin delivers if you want:

• Actual fee savings (50% vs legacy)

• Complete control of your funds

• Tax-ready NFT receipts

• Flexible QR-based POS

• Future-proof payment infrastructure

Small businesses can't afford to leave money on the table. Every percentage point in fees matters. Every hour spent on accounting matters.

The smartest small business crypto POS choice? The one that addresses all of these concerns while positioning you for Web3 commerce.

That's Larecoin.

Ready to see the difference? Check out the full ecosystem at Larecoin.com and discover what modern payment infrastructure actually looks like.