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

Small business owners are bleeding money. Traditional payment processors take 2.5% to 3.5% on every transaction. Credit card interchange fees? A silent profit killer.

Crypto POS systems promise a way out. But not all solutions are built the same.

Today we're breaking down three major players: Larecoin, NOWPayments, and CoinPayments. Which one actually delivers for small businesses? Let's find out.

The Problem With Traditional Payment Processing

Every swipe. Every tap. Every transaction.

Merchants lose money to:

• Interchange fees

• Processing fees

• Gateway fees

• Chargeback fees

• Monthly minimums

For a small business doing $50,000 monthly? That's $1,250–$1,750 gone. Every single month.

Crypto payment solutions cut these costs dramatically. But the devil's in the details.

NOWPayments: The Token Variety Play

NOWPayments markets itself on one thing: cryptocurrency variety.

Over 300 supported tokens. Bitcoin. Ethereum. USDT. Dogecoin. You name it.

The Good:

• 0.4% service fee

• No physical hardware required

• Web-based POS runs on any device

• Integrations with Shopify, WooCommerce, and more

• Account setup in under a minute

The Concerns:

• Custodial by default

• Limited merchant tools beyond basic payments

• No native stablecoin ecosystem

• Higher complexity for crypto-native operations

• Settlement options can be confusing

NOWPayments works. It's solid for businesses wanting maximum token acceptance. But that's where the innovation stops.

No NFT receipts. No advanced merchant dashboards. No financial sovereignty features.

For crypto-native small businesses? It's a starting point. Not a destination.

CoinPayments: The Legacy Option

CoinPayments has been around since 2013. One of the earliest crypto payment gateways.

The Good:

• Supports 2,000+ cryptocurrencies

• Multi-coin wallet included

• Plugin support for major e-commerce platforms

• Established reputation

The Concerns:

• Fee structure gets complicated (0.5% base + additional fees)

• Custodial wallet system

• Interface feels dated

• Limited innovation in recent years

• No unique merchant value-adds

CoinPayments did the job in 2015. In 2026? It feels like running your business on dial-up internet.

The crypto payments landscape has evolved. CoinPayments hasn't kept pace.

Larecoin: The Web3-Native Solution

Here's where things get interesting.

Larecoin isn't just a payment processor. It's a complete financial sovereignty ecosystem built for merchants who want more than basic crypto acceptance.

Core Advantages:

50%+ Interchange Fee Reduction

Larecoin's infrastructure slashes traditional merchant processing costs by more than half. Small businesses keep more of what they earn. Period.

That $1,500 monthly fee bleed? Cut it to under $700.

LUSD Stablecoin Integration

Volatility kills merchant adoption. Everyone knows this.

LUSD: Larecoin's native stablecoin: eliminates the guesswork. Accept crypto payments. Settle in stable value. No more watching your Tuesday revenue become Wednesday's loss.

Built into the ecosystem. Not bolted on.

Self-Custody Architecture

This is where Larecoin separates from the pack.

NOWPayments? Custodial. CoinPayments? Custodial. Larecoin? True self-custody.

Your keys. Your funds. Your business.

In a world where centralized platforms freeze accounts, impose restrictions, and control your money: self-custody isn't a feature. It's a necessity.

NFT Receipts: The Merchant Game-Changer

Every transaction generates an NFT receipt.

Why does this matter?

For Merchants:

• Immutable proof of sale

• Automated tax documentation

• Zero-dispute transaction records

• Built-in customer loyalty triggers

For Customers:

• Proof of purchase that can't be lost

• Collectible receipts for high-value purchases

• Easy returns and warranty claims

Traditional paper receipts fade. Email receipts get buried. NFT receipts live forever on-chain.

This isn't gimmick technology. It's infrastructure for the next decade of commerce.

Contactless POS Built for Modern Retail

Larecoin's merchant portal delivers:

• QR code payments

• NFC tap-to-pay

• Multi-wallet support

• Real-time settlement tracking

• Instant conversion options

No clunky hardware. No complicated setup. Just smooth, Web3-native payments.

Fee Comparison: The Numbers Don't Lie

Platform	Base Fee	Hidden Fees	Custody	Stablecoin Native
NOWPayments	0.4%	Variable	Custodial	No
CoinPayments	0.5%+	Multiple	Custodial	No
Larecoin	Lowest	Transparent	Self-Custody	Yes (LUSD)

Traditional processors? 2.5%–3.5%.

The math is simple. Crypto POS saves money. Larecoin saves the most: while adding capabilities competitors can't match.

Why Self-Custody Matters More Than Ever

Let's talk about what happened in 2022. And 2023. And 2024.

Centralized platforms:

• Froze user funds

• Imposed sudden withdrawal limits

• Changed terms without notice

• Went bankrupt: taking user deposits with them

If your payment processor holds your funds, they control your business.

Larecoin's self-custody model means:

• Instant access to your money

• No third-party withdrawal approval

• No account freezes

• True financial independence

For small businesses, this isn't philosophy. It's survival.

The Merchant Growth Factor

Payment processing should do more than process payments.

Larecoin's ecosystem includes:

• LareBlocks – Layer 1 blockchain infrastructure

• Merchant Analytics – Real-time business intelligence

• Customer Rewards Integration – Built-in loyalty programs

• Multi-Currency Settlement – Accept any token, settle your way

• DAO Governance – Merchants have a voice in platform development

NOWPayments processes transactions. CoinPayments processes transactions. Larecoin grows your business.

Who Should Use What?

Choose NOWPayments if:

• You need 300+ token support

• Basic payment processing is enough

• You're okay with custodial solutions

Choose CoinPayments if:

• You need legacy platform stability

• Maximum token variety matters most

• You don't need cutting-edge features

Choose Larecoin if:

• Fee reduction is critical to profitability

• Self-custody is non-negotiable

• You want NFT receipts and modern merchant tools

• LUSD stablecoin settlement appeals to you

• Growing your business matters as much as accepting payments

The Verdict

Small businesses need every advantage.

NOWPayments offers variety. CoinPayments offers legacy stability.

Larecoin offers the future.

Lower fees. Self-custody. NFT receipts. Native stablecoin. Merchant growth tools.

It's not just a payment processor. It's the infrastructure for financially sovereign businesses.

Ready to stop bleeding interchange fees?

👉 Explore Larecoin's Merchant Solutions

👉 Read the LareBlocks Whitepaper

The competition is waiting for the future. Larecoin is building it.

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Larecoin: Crypto payments made easy. Web3 global payments. Receivable tokens. Stablecoin settlement. Gas-only transfers. Push-to-card. The complete ecosystem for merchants who demand more.