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

Small business owners are bleeding money. Traditional payment processors take 2-4% of every transaction. That's thousands of dollars annually, gone.

Crypto POS systems offer a way out. But which one actually delivers?

Let's break down three major players: Larecoin, NOWPayments, and CoinPayments. By the end, you'll know exactly which system matches your business needs.

The Problem With Traditional Payment Processing

Here's the math most merchants ignore.

$500,000 in annual sales. Traditional interchange fees of 2.5-3%. That's roughly $15,000 per year handed to payment processors.

For small businesses operating on thin margins? That's the difference between growth and stagnation.

Crypto payment solutions promise lower fees. But not all platforms deliver equal value.

Quick Comparison: The Numbers That Matter

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	~50% lower than traditional
Custody Model	Non-custodial option	Custodial	Full self-custody
Processing Time	~5 minutes	Minutes to hours	Near-instant
Native Stablecoin	No	No	LUSD
NFT Receipts	No	No	Yes
Cryptocurrency Support	300+	2,000+	Comprehensive
Setup Time	Minutes	Hours	Minutes

The differences are significant. Let's dig deeper.

NOWPayments: The Middle Ground

NOWPayments has built a solid reputation. Over 300 supported cryptocurrencies. Non-custodial options available. Processing fees around 0.5-1%.

Pros:

• Direct wallet payments (non-custodial)

• Quick setup process

• Wide crypto support

• Reasonable fee structure

Cons:

• ~5 minute processing times

• No native stablecoin

• Third-party integrations required for stability

• Standard Web2 approach to receipts

For businesses wanting immediate improvements over Visa and Mastercard fees, NOWPayments works. It's a safe choice. Not revolutionary: but functional.

The 5-minute processing window might frustrate customers expecting instant transactions. And without a native stablecoin, you're exposed to third-party volatility risks.

CoinPayments: The Legacy Option

CoinPayments supports over 2,000 cryptocurrencies. Impressive number. But quantity doesn't equal quality.

Pros:

• Massive crypto selection

• Established platform

• Legacy system compatibility

Cons:

• Custodial model (they hold your funds)

• Variable processing speeds

• No customizable network fees

• Hours-long settlement possible

• Setup takes longer

Here's the critical issue: CoinPayments is custodial.

Your funds sit in their wallets until you withdraw. That's a Web2 approach dressed in Web3 clothing. You're trusting a third party with your revenue.

For small businesses prioritizing financial sovereignty? That's a dealbreaker.

Processing times ranging from minutes to hours create unpredictability. In retail environments, customers expect immediate confirmation.

Larecoin: Built for Web3 Merchants

Larecoin takes a fundamentally different approach.

Full self-custody. Native LUSD stablecoin. NFT receipts. Near-instant processing. And fee reductions exceeding 50% compared to traditional processors.

The Self-Custody Advantage

Your money never touches a third-party wallet. Payments flow directly to your business. No intermediary holding your funds. No withdrawal delays.

This is financial sovereignty in action.

When platforms like CoinPayments hold your money, you're dependent on their solvency, their policies, their timelines. Self-custody eliminates that risk entirely.

LUSD: Stability Without Third Parties

Volatility kills merchant adoption. Bitcoin fluctuating 10% overnight makes pricing impossible.

Larecoin's native LUSD stablecoin solves this. No third-party integrations. No additional fees for conversion. Built directly into the ecosystem.

Accept crypto. Settle in stable value. Simple.

NFT Receipts: The Future of Transaction Records

Here's where Larecoin gets innovative.

Every transaction generates an NFT receipt. Immutable. Verifiable. Stored on-chain.

Why does this matter?

• Accounting becomes automated. Every transaction permanently recorded.

• Disputes get resolved instantly. Proof of payment exists forever.

• Customer loyalty opportunities. Receipt NFTs can carry additional utility.

• Tax documentation simplified. Blockchain timestamps everything.

Neither NOWPayments nor CoinPayments offers this functionality. It's a genuine competitive advantage.

Real Cost Breakdown: Annual Processing Fees

Let's talk numbers for a business processing $500,000 annually.

Traditional Payment Processor: ~$15,000 NOWPayments/CoinPayments: ~$5,000 Larecoin: Under $2,000

That's a $13,000+ annual savings compared to traditional processors. And $3,000+ savings versus other crypto solutions.

Over five years? You're looking at $65,000+ in retained revenue with Larecoin versus traditional processing.

For small businesses, that capital funds expansion, inventory, hiring. Money that was previously disappearing into interchange fees.

Processing Speed: Why It Matters

Customers at checkout don't want to wait.

• NOWPayments: ~5 minutes average

• CoinPayments: Minutes to hours (variable)

• Larecoin: Near-instant

In a café, five minutes feels like forever. Variable processing times create awkward checkout experiences.

Near-instant confirmation keeps lines moving. Happy customers. Efficient operations.

Setup Complexity

Time is money. Especially for small business owners wearing multiple hats.

• NOWPayments: Minutes

• CoinPayments: Hours

• Larecoin: Minutes

CoinPayments' longer setup process reflects its legacy architecture. More integrations. More configuration. More headaches.

Both Larecoin and NOWPayments prioritize quick deployment. Get processing within the same day.

Which System Should You Choose?

Choose NOWPayments if:

• You want immediate improvement over traditional processors

• 5-minute processing times are acceptable

• You prefer minimal architectural changes

• Self-custody through their non-custodial option matters

Avoid CoinPayments unless:

• You need specific legacy system compatibility

• Wide cryptocurrency selection outweighs custody concerns

• Variable processing times don't impact your business model

Choose Larecoin if:

• Maximum fee reduction is your priority

• Self-custody and financial sovereignty matter

• You want Web3-native features (NFT receipts, native stablecoin)

• Near-instant processing improves customer experience

• Long-term ecosystem benefits align with your growth plans

For small businesses serious about slashing interchange fees by 50%+ while maintaining complete control of their funds, Larecoin delivers what competitors can't match.

The Bigger Picture

Web3 payments aren't just about saving money. They're about reclaiming control.

Traditional payment processors dictate terms. They hold your funds. They charge whatever the market tolerates. They've built empires on merchant fees.

Self-custody flips that relationship. Your business. Your money. Your rules.

NFT receipts transform mundane transactions into verifiable, immutable records. LUSD provides stability without surrender.

This is what financial sovereignty looks like for merchants.

Ready to Switch?

The comparison is clear. NOWPayments offers improvement. CoinPayments offers legacy compatibility. Larecoin offers transformation.

If your small business processes significant transaction volume, the math is undeniable. Lower fees. Self-custody. Innovative features.

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

Explore Larecoin's crypto payment solutions at larecoin.com and see how much your business could save.

Your margins will thank you.