Larecoin Vs NOWPayments Vs CoinPayments: Which Crypto POS System Is Best for Small Business?

Small businesses are bleeding money.

Traditional payment processors take 2.5% to 3.5% per transaction. Add chargebacks. Add monthly fees. Add compliance costs.

It's brutal.

Crypto POS systems promise a way out. But not all solutions are created equal.

Today, we're breaking down three major players: Larecoin, NOWPayments, and CoinPayments. Which one actually delivers for small business owners in 2026?

Let's find out.

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The Small Business Payment Problem

Here's the reality.

Every swipe, tap, or scan costs you money. Interchange fees alone eat 1.5% to 2.5% of every sale. Then come processor markups, gateway fees, and the dreaded chargeback penalties.

For a small business doing $100K monthly? That's $3,000+ disappearing every month.

Crypto payments fix this. But only if you choose the right system.

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Quick Overview: The Three Contenders

NOWPayments

NOWPayments supports 300+ cryptocurrencies. Impressive on paper.

Key features:

• Payment widgets and buttons

• Web-based PoS terminal

• Integrations with Shopify, WooCommerce, Magento

• Auto-conversion to stablecoins

• Customizable fee settings

Sounds solid. But here's the catch: you're still dealing with third-party custody. Your funds flow through their system first.

CoinPayments

CoinPayments has been around since 2013. They support 2,000+ coins.

Features include:

• Multi-coin wallet

• Shopping cart plugins

• Payment buttons

• Vault storage options

• Fiat conversion partnerships

The problem? Legacy infrastructure. Slow updates. And you're trusting them with your keys.

Larecoin

Larecoin takes a different approach.

Built for Web3-native merchants. Self-custody by default. NFT receipts. LUSD stablecoin integration. And fees slashed by 50% or more.

This isn't just another crypto gateway. It's a complete financial sovereignty stack.

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Fee Comparison: Where Your Money Actually Goes

Let's talk numbers.

Platform	Transaction Fee	Hidden Costs	Real Cost
NOWPayments	0.5% - 1%	Network fees, conversion spreads	1% - 2%
CoinPayments	0.5%	Withdrawal fees, conversion fees	1% - 1.5%
Larecoin	Gas-only transfers	None	50%+ savings

NOWPayments and CoinPayments advertise low fees. But dig deeper.

Conversion spreads eat your margins. Withdrawal fees add up. Network congestion spikes costs unpredictably.

Larecoin? Gas-only transfers. That's it.

No percentage cuts. No hidden spreads. No surprise fees at month-end.

For a small business, this translates to thousands saved annually.

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NFT Receipts: The Future of Transaction Records

This is where Larecoin separates from the pack.

NOWPayments gives you standard transaction confirmations. CoinPayments offers basic receipts.

Larecoin gives you NFT receipts.

What does that mean?

Every transaction mints an immutable, on-chain receipt. Stored forever. Verifiable by anyone. Owned by you.

Benefits for small businesses:

• Bulletproof accounting : No lost receipts, ever

• Dispute resolution : On-chain proof settles arguments instantly

• Customer loyalty : Receipts can include rewards, offers, or collectibles

• Tax compliance : Auditable records without spreadsheet nightmares

Neither NOWPayments nor CoinPayments offer anything close to this.

NFT receipts aren't a gimmick. They're the new standard for transparent commerce.

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LUSD Stablecoin: Stability Without Sacrifice

Volatility kills crypto adoption for merchants.

Accept Bitcoin today. It drops 10% tomorrow. Congratulations: you just lost margin on that sale.

Most platforms solve this with auto-conversion to USDC or USDT. Fine. But you're trusting centralized stablecoin issuers. And paying conversion fees.

Larecoin's answer: LUSD.

LUSD is the native stablecoin of the Larecoin ecosystem. Pegged to the dollar. Designed for instant settlement without third-party conversion fees.

Why LUSD wins:

• Zero conversion spread : Accept crypto, settle in LUSD instantly

• Native ecosystem integration : No bridging, no swapping, no friction

• Self-custody compatible : Your stablecoins, your keys

• Push-to-card : Convert to fiat and hit your bank card when needed

NOWPayments offers stablecoin payouts. But you're converting through their system. CoinPayments? Same story.

LUSD keeps you in control. Start to finish.

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Self-Custody: The Non-Negotiable Feature

Here's the uncomfortable truth.

When you use NOWPayments or CoinPayments, your funds flow through their wallets first.

You're trusting them to:

• Not get hacked

• Not freeze your account

• Not delay withdrawals

• Not disappear overnight

We've seen this movie before. Centralized platforms fail. Users lose funds.

Larecoin is built on self-custody.

Funds go directly to your wallet. Your keys. Your control. No intermediary holding your revenue hostage.

For small businesses, this isn't just philosophical. It's practical:

• No withdrawal delays : Funds are yours immediately

• No account freezes : Nobody can lock you out of your money

• No platform risk : If Larecoin's servers went offline, your funds stay safe

This is what financial sovereignty actually looks like.

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Integration & Ease of Use

Small businesses don't have dev teams.

NOWPayments offers solid plug-and-play widgets. One-line code for payment buttons. Decent documentation.

CoinPayments has shopping cart plugins for major platforms. But the interface feels dated. Setup takes time.

Larecoin delivers:

• Contactless POS terminal : Accept payments in-store with QR codes

• Merchant portal : Track sales, manage settlements, view NFT receipts

• Smart wallet integration : Customers pay seamlessly from any Web3 wallet

• AI/ML search tools : Find transactions, analyze trends, automate reporting

Everything connects. No juggling multiple dashboards.

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The Verdict: Which Crypto POS System Wins?

Let's be direct.

NOWPayments is fine. Good coin support. Easy integrations. But you're paying hidden fees and trusting a third party with your funds.

CoinPayments is legacy. Massive coin support means nothing if the platform feels stuck in 2018. Custody concerns remain.

Larecoin is purpose-built for the modern small business.

• 50%+ fee savings : Keep more of every sale

• NFT receipts : Future-proof transaction records

• LUSD stablecoin : Stability without conversion costs

• Self-custody : True financial sovereignty

• Complete ecosystem : POS, wallet, portal, AI tools: all integrated

If you're serious about accepting crypto in 2026, the choice is clear.

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Ready to Make the Switch?

Stop letting payment processors drain your margins.

Explore how Larecoin transforms small business payments at larecoin.com.

Join the conversation with other merchants in the Larecoin Community.

Or dive deeper into the ecosystem on our blog.

Your business. Your revenue. Your keys.

That's the Larecoin difference.