Larecoin Vs NOWPayments Vs CoinPayments: Which Crypto POS System for Small Business Actually Puts Merchants First?

Let's talk about what's really happening to your profits.

Traditional payment processors are taking 2.5-3.5% of every single sale. On $500,000 in annual revenue? That's roughly $15,000 walking out the door. Every. Single. Year.

Crypto payment solutions promise a better deal. But which one actually delivers for small business owners?

We're breaking down three major players: Larecoin, NOWPayments, and CoinPayments. No fluff. Just facts about fees, custody, speed, and features that matter to merchants who want to keep more of what they earn.

The Fee Showdown: Where Does Your Money Actually Go?

Here's the reality check every merchant needs.

NOWPayments and CoinPayments both charge processing fees between 0.5-1%. Better than Visa and Mastercard? Absolutely. Revolutionary? Not quite.

Larecoin operates on a gas-only transfer model. No platform fees eating into your margins. Just network transaction costs.

Let's do the math on $500,000 annual processing volume:

Platform	Estimated Annual Cost
Traditional Processor	~$15,000
NOWPayments	~$5,000
CoinPayments	~$5,000
Larecoin	Under $2,000

That's a 50%+ reduction compared to other crypto processors. And compared to traditional payment rails? You're looking at saving over $13,000 annually.

Those aren't theoretical savings. That's real money staying in your business.

Custody Wars: Who Actually Controls Your Money?

This is where things get interesting. And where most merchants don't ask the right questions.

CoinPayments uses a custodial model. Your funds sit in their wallets until you withdraw. They control the keys. They control your money. In crypto, there's a saying: "Not your keys, not your coins."

NOWPayments offers both custodial and non-custodial options. Better flexibility. Payments can go directly to your wallet if you choose that route. A step in the right direction.

Larecoin is built entirely around self-custody. Full stop.

Funds flow directly to your smart wallet. Immediately. No intermediary holding your revenue hostage. No permission needed to access what's already yours.

Why does this matter?

Because when a centralized platform freezes accounts, delays withdrawals, or suddenly changes terms of service: merchants with custodial solutions have zero recourse. We've seen it happen across the industry.

Self-custody isn't just a feature. It's financial sovereignty.

Settlement Speed: Time Is Money

Transaction confirmation times vary wildly across platforms.

NOWPayments: Approximately 5 minutes average settlement.

CoinPayments: Anywhere from minutes to hours. Inconsistent at best.

Larecoin: Near-instant finality. Sub-second on Solana blockchain infrastructure.

For retail environments, speed matters. Customers don't want to wait. Neither do you.

Larecoin's integration with Solana delivers the transaction speeds that modern commerce demands. Confirmations happen before your customer puts their phone back in their pocket.

Cryptocurrency Support: Breadth vs. Depth

Numbers game time.

CoinPayments supports 2,000+ cryptocurrencies. Impressive on paper. But here's the catch: no network fee customization. You're locked into whatever they decide.

NOWPayments supports 300+ cryptocurrencies with customizable network fees. More control over your transaction costs.

Larecoin takes a different approach entirely. Rather than chasing cryptocurrency count, the focus is on building a complete ecosystem.

That means native stablecoin integration with LUSD: Larecoin's purpose-built stablecoin designed specifically for commerce. No volatility concerns. No third-party stablecoin dependencies.

Quality over quantity. Ecosystem over options overload.

NFT Receipts: The Feature Nobody Else Has

This is where Larecoin breaks away from the pack entirely.

Traditional digital receipts? Forgettable. Lost in email folders. Impossible to verify.

NFT receipts change everything.

Every transaction creates an immutable, verifiable proof of purchase stored on-chain. Benefits include:

• Warranty verification without paper trails

• Return/exchange authentication that can't be faked

• Loyalty program integration with transparent reward tracking

• Accounting automation with blockchain-verified records

• Customer relationship data that lives forever

Neither NOWPayments nor CoinPayments offer anything comparable. This isn't just innovation for innovation's sake. NFT receipts solve real merchant pain points around fraud, record-keeping, and customer disputes.

The LUSD Advantage: Stability Built In

Accepting Bitcoin is great. Until it drops 15% before you can convert to fiat.

Merchants need stability. That's where LUSD enters the conversation.

Larecoin's native stablecoin eliminates volatility risk at the point of sale. Customers can pay in various cryptocurrencies. Merchants receive stable value immediately.

No waiting for market conditions. No watching profits evaporate due to price swings. No complicated hedging strategies.

LUSD is designed for commerce from the ground up:

• Pegged stability for predictable revenue

• Instant conversion at point of sale

• Gas-efficient transfers on Solana

• Direct integration with Larecoin's merchant portal

This isn't an afterthought feature bolted onto an existing platform. It's core infrastructure purpose-built for merchants who need reliability.

Why Self-Custody Matters More Than Ever

Let's get philosophical for a moment.

The entire promise of Web3 payments is decentralization. Removing middlemen. Giving power back to individuals and businesses.

Yet many "crypto payment processors" simply recreate the old model with new technology. They hold your funds. They set the rules. They take their cut.

That's not Web3. That's Web2 with extra steps.

Larecoin's architecture ensures merchants maintain complete control:

• Smart wallet technology that you own entirely

• Direct-to-merchant settlement with no holding periods

• No account freezes because there's no centralized account to freeze

• Transparent on-chain records for every transaction

• Permission-less operation that can't be arbitrarily restricted

Financial sovereignty isn't just ideology. It's practical protection for your business.

When platforms fail, freeze, or fold: self-custody merchants keep operating. That resilience has real value.

Contactless POS: Bringing Crypto to the Counter

Here's where rubber meets road for physical retail.

Larecoin offers contactless POS terminals designed specifically for in-person crypto transactions. Tap and go. Familiar customer experience. Revolutionary backend technology.

NOWPayments provides API integrations and payment links. Functional but requires more technical setup.

CoinPayments offers similar integration options without dedicated hardware solutions.

For small businesses with physical locations, the difference is significant. Dedicated POS hardware means:

• Faster checkout experiences

• Lower staff training requirements

• Professional presentation to customers

• Reliable performance without smartphone dependencies

The Bottom Line for Small Business Merchants

Let's summarize what actually matters.

Choose NOWPayments if:

• You want decent fee reduction from traditional processors

• Non-custodial flexibility appeals to you

• You need support for 300+ cryptocurrencies

• Basic functionality meets your needs

Choose CoinPayments if:

• Maximum cryptocurrency variety is your priority

• You're comfortable with custodial arrangements

• Standard processing fees work for your margin model

• Simple integration is more important than advanced features

Choose Larecoin if:

• Lowest possible fees are non-negotiable

• Self-custody and financial sovereignty matter

• NFT receipts and LUSD integration provide value

• Near-instant settlement speeds benefit your operation

• You want a complete ecosystem, not just a payment processor

The crypto payments landscape is maturing. Merchants have real choices now.

The question isn't whether to accept crypto. It's which platform actually puts your interests first.

Larecoin was built by merchants, for merchants. Every feature: from gas-only transfers to NFT receipts to LUSD stability: exists because small business owners need these tools to compete and thrive.

Ready to slash your payment processing costs by 50% or more? Ready to take back control of your revenue stream?

Explore Larecoin's merchant solutions and see what financial sovereignty actually looks like.

Your profits deserve better than another middleman taking their cut.