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

Small business owners are done with legacy payment processors.

Interchange fees eating 3-4% of every transaction? That's a profit killer. Chargebacks draining your revenue? Unacceptable. The old system wasn't built for you.

Crypto POS systems are the answer. But not all platforms are created equal.

Let's break down the three biggest players: Larecoin, NOWPayments, and CoinPayments. By the end, you'll know exactly which one deserves your business.

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The Problem With Traditional Payment Processing

Before we dive in, let's address the elephant in the room.

Credit card processors charge merchants between 1.5% and 3.5% per transaction. Sometimes more. Add monthly fees, chargeback penalties, and equipment costs. It adds up fast.

For a small business doing $500,000 annually, that's potentially $17,500+ gone. Every year. Just in processing fees.

Crypto payments slash those costs dramatically. We're talking 50% or more in savings.

But here's the catch: most crypto payment processors still operate like traditional fintech companies. Custodial wallets. Hidden fees. Limited functionality.

That's where the real comparison begins.

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Meet The Contenders

NOWPayments

NOWPayments has been around since 2019. Solid track record.

The highlights:

• Supports 300+ cryptocurrencies

• Works in 175+ countries

• Integrates with Shopify, WooCommerce, Magento

• POS terminal generates QR codes for customer payments

• Supports 25+ fiat currencies

Sounds impressive. And for basic crypto acceptance, it works.

The downsides:

• Limited advanced analytics

• Struggles with enterprise-level scaling

• Custodial model raises questions about true ownership

• No unique receipt functionality

CoinPayments

CoinPayments entered the market back in 2013. One of the OGs.

What they offer:

• 2,000+ cryptocurrencies supported

• Multi-coin wallet

• Plugin integrations for major e-commerce platforms

• Vault storage options

• Payment buttons and hosted checkout

Where they fall short:

• Still operates on custodial infrastructure

• Fee structure can get complex

• User interface feels dated

• No innovation in receipt technology or stablecoin utility

Both platforms do the basics. Accept crypto. Convert to fiat. Done.

But "basic" doesn't cut it in 2026.

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Why Larecoin Is Different

Larecoin isn't just a payment processor. It's a complete Web3 payments ecosystem.

Built for merchants who want more than transactions. Built for businesses ready to embrace financial sovereignty.

Slash Interchange Fees By 50%+

This is the headline number. And it's real.

Traditional processors gouge you on every sale. Larecoin's decentralized infrastructure eliminates the middlemen.

Result? More money stays in your pocket. Period.

For that same $500,000 business, you're potentially keeping an extra $8,000-$10,000 annually. That's not a rounding error. That's a new employee. New equipment. Marketing budget.

True Self-Custody

Here's where Larecoin separates from the pack.

NOWPayments? Custodial. CoinPayments? Custodial.

They hold your funds. You trust them not to freeze accounts, impose restrictions, or disappear.

Larecoin operates differently. Self-custody is the default.

Your keys. Your crypto. Your control.

No third party deciding whether you can access your own money. No permission required to move your funds.

This is what Web3 was supposed to be. Explore Larecoin's merchant portal to see how self-custody actually works in practice.

LUSD Stablecoin Advantage

Volatility concerns? Gone.

Larecoin's ecosystem includes LUSD, a stablecoin designed specifically for merchant transactions.

Why this matters:

• Accept payment in any crypto

• Automatically convert to LUSD

• No exposure to BTC or ETH price swings

• Settle in stable value

NOWPayments offers fiat conversion. CoinPayments has similar options. But they route through traditional banking rails.

LUSD keeps everything on-chain. Faster. Cheaper. Transparent.

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The NFT Receipt Revolution

This is Larecoin's secret weapon.

Neither NOWPayments nor CoinPayments offer anything like it.

NFT receipts transform every transaction into a verifiable, on-chain record.

What NFT Receipts Actually Do

• Immutable proof of purchase : No disputes. No he-said-she-said. The blockchain doesn't lie.

• Automated warranty tracking : Tie product warranties to NFT receipts. Customers always have documentation.

• Loyalty program integration : Receipts become collectible. Reward repeat customers with exclusive NFT drops.

• Tax compliance simplified : Every transaction is timestamped and recorded. Audit-ready from day one.

For small businesses, this isn't just cool technology. It's operational efficiency.

Returns become seamless. Customer service improves. Record-keeping happens automatically.

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Feature Comparison: The Full Breakdown

Feature	Larecoin	NOWPayments	CoinPayments
Interchange Fee Savings	50%+	~30-40%	~30-40%
Self-Custody	✅ Yes	❌ Custodial	❌ Custodial
Stablecoin (Native)	✅ LUSD	❌ No	❌ No
NFT Receipts	✅ Yes	❌ No	❌ No
Cryptos Supported	50+	300+	2,000+
E-commerce Integrations	✅ Yes	✅ Yes	✅ Yes
POS Terminal	✅ Contactless	✅ QR Code	✅ Basic
Global Reach	✅ Worldwide	✅ 175+ countries	✅ Worldwide
Gas-Only Transfers	✅ Yes	❌ No	❌ No

NOWPayments and CoinPayments win on sheer cryptocurrency volume. If accepting obscure altcoins is your priority, they have more options.

But for actual business utility? Larecoin dominates.

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The Self-Custody Imperative

Let's talk about why this matters so much.

In 2024 and 2025, we saw multiple payment processors freeze merchant accounts without warning. Funds locked. Businesses paralyzed.

Custodial platforms have this power. They hold your money. They make the rules.

Self-custody eliminates this risk entirely.

With Larecoin, funds move directly to your wallet. No intermediary holds your crypto. No corporate policy can freeze your account.

This isn't paranoia. It's prudent business practice.

Financial sovereignty means you're not dependent on any single company's decisions. You control your destiny.

Check out the Larecoin whitepaper for the full technical breakdown.

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Integration & Setup

Small business owners don't have time for complex implementations.

Good news: all three platforms offer relatively straightforward setup.

Larecoin provides:

• Contactless POS terminal

• Merchant portal dashboard

• API for custom integrations

• Plugin support for major platforms

NOWPayments matches with:

• Payment widgets

• API solutions

• QR code generation

• E-commerce plugins

CoinPayments offers:

• Shopping cart plugins

• Payment buttons

• Hosted checkout pages

• Basic API

Setup time? Similar across all three. Expect to be operational within hours, not days.

The difference shows up in day-to-day operations. Larecoin's dashboard provides cleaner analytics. NFT receipt management is built-in. LUSD conversion happens seamlessly.

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The Verdict: Which Should You Choose?

Choose NOWPayments if:

• You need 300+ cryptocurrency support

• Basic functionality is sufficient

• You're comfortable with custodial wallets

Choose CoinPayments if:

• Maximum altcoin coverage is essential

• You've been using them since 2013

• You don't need advanced features

Choose Larecoin if:

• Saving 50%+ on fees matters

• Self-custody is non-negotiable

• NFT receipts sound valuable

• LUSD stablecoin appeals to you

• You want a true Web3 solution

For most small businesses in 2026, the answer is clear.

Larecoin delivers what the others can't: financial sovereignty combined with practical merchant tools.

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Ready To Make The Switch?

Stop bleeding money to interchange fees. Stop trusting third parties with your revenue.

Join the merchants already using Larecoin's payment ecosystem.

Setup takes minutes. Savings start immediately.

Your business. Your money. Your control.