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

Running a small business in 2026. Payments shouldn't be the hard part.

Legacy systems eat your margins. Credit card processors take 2.5-3.5% per swipe. That's money straight out of your pocket. Every single transaction.

Crypto payment solutions promise relief. But which one actually delivers for small businesses?

Let's break down three major players: Larecoin, NOWPayments, and CoinPayments. No fluff. Just the facts you need to make a smart decision.

The Small Business Payment Problem

Here's the reality. Traditional payment processors weren't built for you.

They were built for big box retailers. Enterprise chains. Companies with leverage to negotiate rates.

You? You're stuck paying premium fees on every transaction. The interchange fee system is bleeding small businesses dry.

Crypto POS systems flip this script. Lower fees. Faster settlements. No middlemen taking massive cuts.

But not all crypto payment platforms are created equal.

NOWPayments: The Basics

NOWPayments has been around. They've built a solid reputation.

What you get:

• 0.5% transaction fees for single-cryptocurrency payments

• 1% fees for multi-currency conversions

• 300+ supported cryptocurrencies

• Account setup in under a minute

• No integration fees upfront

Sounds decent, right?

The platform handles invoicing. Subscriptions. Recurring payments. You can pass fees to customers if you want.

The drawbacks:

Your funds live on their platform. You're trusting a third party with your money. That's the traditional model dressed up in crypto clothing.

Withdrawal options exist. But there's friction. Extra steps. More waiting.

For small businesses processing moderate volume, those 0.5-1% fees add up fast.

CoinPayments: The Old Guard

CoinPayments has been in the game since 2013. Veteran status.

What you get:

• Transaction fees starting at 0.4%

• Multi-coin support

• Shopping cart plugins

• Merchant tools

Lower base fees look attractive. But dig deeper.

The drawbacks:

The platform feels dated. Interface clunky. User experience stuck in 2017.

Custody concerns remain. Your crypto sits in their wallets until you move it.

Customer support? Mixed reviews. Some merchants report slow response times.

And here's the kicker, no real innovation on the tax and accounting front. You're still exporting CSVs and praying your accountant can make sense of it.

Larecoin: Built Different

Now let's talk about what happens when you design a payment system from scratch. For small businesses. In 2026.

The Larecoin Ecosystem:

This isn't just a payment processor. It's a complete financial infrastructure.

• LARE Token: The receivables token powering the network

• LUSD: Stablecoin option for merchants who want price stability

• LarePAY: The payment processing layer

• LareBlocks: Blockchain infrastructure built for speed

The fee advantage:

Larecoin slashes interchange fees by 50% compared to legacy systems. Not 0.5%. We're talking about cutting what you'd pay Visa or Mastercard in half.

Traditional credit card processing costs you $2,500 on every $100,000 in sales.

Do the math. That's money back in your business.

Self-Custody: Why It Matters

Here's where Larecoin diverges completely from NOWPayments and CoinPayments.

The Larecoin Smart Wallet.

Your funds. Your keys. Your control.

No third party holding your money hostage. No withdrawal queues. No platform risk.

When a customer pays, funds hit your wallet directly. Instant.

This isn't just philosophy. It's practical business sense.

Remember the crypto exchange collapses? The payment processor bankruptcies? Those merchants lost everything.

Self-custody eliminates that risk entirely.

NFT Receipts: The Tax Game-Changer

Here's innovation that actually matters for your bottom line.

Every transaction generates an NFT receipt.

Sounds gimmicky? It's actually genius.

What this solves:

• Immutable proof of every sale

• Timestamped on-chain verification

• Automatic categorization for accounting

• Audit-proof documentation

• Direct integration with tax software

Your accountant will love you. Seriously.

No more scrambling during tax season. No more lost receipts. No more "I think this was a business expense" guessing games.

The blockchain becomes your bookkeeper.

NOWPayments? CSV exports. CoinPayments? Manual reconciliation.

Neither offers anything close to NFT receipt functionality.

QR-Generated POS: Simplicity Wins

Setting up payment acceptance shouldn't require an IT degree.

Larecoin's QR-generated POS system:

Generate a code. Display it. Accept payment.

That's it.

No expensive hardware. No terminals to lease. No integration headaches.

Works at:

• Farmers markets

• Pop-up shops

• Food trucks

• Service businesses

• Brick-and-mortar retail

Your smartphone becomes your payment terminal.

NOWPayments requires plugins and integrations. CoinPayments needs shopping cart configurations.

Larecoin works wherever you do business.

The Feature Comparison

Feature	Larecoin	NOWPayments	CoinPayments
Fee Reduction vs Legacy	50%+	~0.5-1%	~0.4%
Self-Custody	✅ Yes	❌ No	❌ No
NFT Receipts	✅ Yes	❌ No	❌ No
QR POS	✅ Yes	Limited	Limited
Stablecoin Option	✅ LUSD	Via conversion	Via conversion
Smart Wallet	✅ Yes	❌ No	❌ No

Real-World Impact

Let's get specific.

Coffee shop doing $50,000/month in transactions.

With traditional processing (3% fees): $1,500/month in fees. $18,000/year.

With CoinPayments (0.4%): $200/month. $2,400/year.

With NOWPayments (0.5%): $250/month. $3,000/year.

With Larecoin (50% reduction from legacy): Under $750/month. Under $9,000/year.

That's $9,000+ back in your pocket annually. From one shop.

Scale that across multiple locations? The savings compound fast.

Who Should Use What?

Choose NOWPayments if:

• You're already deep in the crypto ecosystem

• You don't mind third-party custody

• You need 300+ coin support immediately

Choose CoinPayments if:

• You want established track record

• You're comfortable with older interfaces

• Base transaction volume is your only metric

Choose Larecoin if:

• You want maximum fee savings

• Self-custody matters to you

• Tax and accounting automation is valuable

• You need flexible POS options

• You're building for the future

The Bottom Line

Crypto POS isn't new. What's new is doing it right.

NOWPayments and CoinPayments solved the "accept crypto" problem. Years ago.

Larecoin solves the "run a profitable small business" problem. Today.

The ecosystem approach matters. LUSD for stability. LarePAY for processing. LareBlocks for infrastructure. The Smart Wallet for control.

NFT receipts aren't a gimmick: they're your accountant's dream come true.

QR-generated POS means you're operational in minutes. Not days.

And that 50% fee reduction compared to legacy systems? That's money you keep.

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Ready to stop overpaying for payment processing?

Explore the Larecoin ecosystem and see what modern crypto payments actually look like.

Your margins will thank you.