Larecoin Vs NOWPayments Vs CoinPayments: Which Crypto POS System for Small Business Actually Saves You Money?

Small business owners know the pain. Every swipe, tap, and transaction chips away at your margins. Traditional payment processors? They're eating 2.5% to 3.5% of every sale.

That's not a fee. That's a tax on your hustle.

Crypto POS systems promise relief. Lower fees. Faster settlements. No chargebacks. But which one actually delivers for small businesses?

Let's break down three major players: Larecoin, NOWPayments, and CoinPayments. No fluff. Just real numbers and features that impact your bottom line.

The Problem: Legacy Payment Processing Is Bleeding You Dry

Credit card interchange fees cost U.S. merchants over $100 billion annually. Small businesses get hit hardest.

Here's what you're typically paying with traditional processors:

• Interchange fees: 1.5% - 2.5%

• Assessment fees: 0.13% - 0.15%

• Processor markup: 0.5% - 1%

• Monthly fees: $10 - $50

• Chargeback fees: $15 - $100 per incident

Add it up. On a $10,000 monthly revenue, you're losing $250-$350 just to accept payments.

Crypto payment gateways typically range from 0.23% to 1% per transaction. That's a massive difference. But not all crypto POS systems are built equal.

Meet The Contenders

NOWPayments

Established player in the crypto payment space. Supports 200+ cryptocurrencies. Offers plugins for major e-commerce platforms.

Pricing structure:

• 0.5% transaction fee (standard)

• Volume discounts available

• No monthly fees on basic plan

Key features:

• Mass payouts

• Subscription billing

• API integrations

• Fiat conversion available

CoinPayments

One of the OGs. Been around since 2013. Supports 2,000+ coins.

Pricing structure:

• 0.5% flat transaction fee

• No monthly costs

• Volume discounts for high-volume merchants

Key features:

• Multi-coin wallet

• Shopping cart plugins

• $PayByName feature

• Vault storage

Larecoin

The new contender built specifically as a receivables token ecosystem. This isn't just a payment gateway: it's a complete financial infrastructure.

Pricing structure:

• Slashes interchange fees by 50% compared to legacy systems

• Gas-only transfers within ecosystem

• No hidden conversion fees with LUSD stablecoin

Key features:

• LUSD stablecoin integration

• LarePAY merchant solutions

• LareBlocks infrastructure

• NFT receipts for accounting

• QR-generated POS

• Self-custody Smart Wallet

Feature-By-Feature Breakdown

Transaction Fees: The Real Cost

Let's do the math on $50,000 monthly volume.

Platform	Fee Structure	Monthly Cost
NOWPayments	0.5% standard	$250
CoinPayments	0.5% flat	$250
Larecoin	50% below legacy	~$125-175
Traditional CC	2.5-3.5%	$1,250-1,750

That's $1,000+ in annual savings switching from cards to crypto. And potentially another $900+ choosing Larecoin over competitors.

Settlement Speed

NOWPayments: Settlements depend on blockchain confirmation times. Fiat conversions add 1-3 business days.

CoinPayments: Similar story. Crypto settles with blockchain speed. Fiat requires additional processing time.

Larecoin: The ecosystem approach changes everything. LUSD transactions settle instantly within the network. Push-to-card functionality means you can access funds immediately. No waiting for bank wires.

Currency Volatility Protection

This is where small businesses get burned. Accept Bitcoin today, lose 10% by tomorrow.

NOWPayments: Offers instant conversion to stablecoins or fiat. Works, but adds fees.

CoinPayments: Vault storage and conversion options. Same deal: conversions cost money.

Larecoin: LUSD is native to the ecosystem. Accept payments directly in stablecoin. No conversion needed. No volatility exposure. No additional fees.

The Self-Custody Advantage

Here's something most merchants don't think about until it's too late: who actually controls your money?

Traditional payment processors can:

• Freeze your account

• Hold funds for 90+ days

• Charge rolling reserves

• Close your account without warning

Some crypto gateways operate similarly. They hold your crypto. They control withdrawals.

The Larecoin Smart Wallet flips this model. Full self-custody. Your keys. Your crypto. Your control.

What this means for small businesses:

• No frozen accounts

• No held reserves

• Instant access to your funds

• Complete financial sovereignty

Not your keys, not your crypto. It's not just a saying: it's a business protection strategy.

NFT Receipts: Tax Season Just Got Easier

Here's an innovation that separates Larecoin from the pack: NFT receipts.

Every transaction generates a blockchain-verified receipt. Immutable. Timestamped. Permanent.

For accounting:

• Automatic transaction records

• No lost receipts

• No manual data entry

• Audit-proof documentation

For tax preparation:

• Every sale recorded on-chain

• Easy export for accountants

• Cost basis tracking simplified

• Regulatory compliance built-in

NOWPayments and CoinPayments offer transaction histories. But they're just database entries. NFT receipts are cryptographically verified proof that lives forever on the blockchain.

Your accountant will thank you.

QR-Generated POS: No Hardware Required

Traditional POS systems cost money. Hardware. Software licenses. Monthly fees. Maintenance.

NOWPayments: Requires integration with existing POS or e-commerce platform.

CoinPayments: Similar approach. Plugin-based or API integration.

Larecoin: QR-generated POS means zero hardware costs. Generate a payment request. Display the QR code. Customer scans and pays.

Works on:

• Any smartphone

• Any tablet

• Printed signage

• Digital displays

Perfect for:

• Pop-up shops

• Farmers markets

• Food trucks

• Service businesses

• Mobile vendors

No monthly hardware fees. No maintenance contracts. No equipment leases eating into your margins.

The Ecosystem Effect

Here's what most comparisons miss: Larecoin isn't just a payment processor. It's an entire ecosystem.

LUSD Stablecoin: Price-stable currency for everyday transactions. No volatility headaches.

LarePAY: Merchant-specific tools designed for business operations.

LareBlocks: The infrastructure layer making everything work seamlessly.

DAO Governance: Merchants have a voice in platform development.

This matters because integrated ecosystems create compounding benefits. Lower fees. Faster settlements. Better tools. All working together.

NOWPayments and CoinPayments are payment gateways. Larecoin is a financial operating system.

Real Numbers: Annual Savings Comparison

Let's project annual savings for a small business doing $100,000 in yearly revenue.

Switching from traditional credit cards to:

Platform	Annual Fees	Savings vs Cards
NOWPayments	~$500	$2,000-3,000
CoinPayments	~$500	$2,000-3,000
Larecoin	~$250-350	$2,150-3,250

Those extra savings with Larecoin add up. That's a new piece of equipment. Additional marketing budget. Emergency fund padding.

Small margins make or break small businesses. Every percentage point counts.

The Verdict

All three platforms beat traditional payment processing. That's table stakes.

But for small businesses focused on maximum savings and operational efficiency, Larecoin delivers the complete package:

✅ Lowest effective transaction costs ✅ Self-custody protection ✅ Instant settlements with LUSD ✅ NFT receipts for simplified accounting ✅ Zero-hardware QR POS ✅ Integrated ecosystem benefits

NOWPayments and CoinPayments are solid choices. They've been around. They work.

But they're payment gateways designed for the crypto economy of 2015.

Larecoin is built for where Web3 payments are heading. An ecosystem approach that treats merchants as partners, not fee sources.

Ready to stop bleeding money on payment processing? Check out what Larecoin can do for your business.

Your margins will thank you.