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

Small business owners are done with traditional payment processors eating into their margins. 2.5-3.5% per transaction? That's thousands of dollars disappearing every year.

Crypto POS systems fix that. But which one actually delivers?

Let's break down the three major players: Larecoin, NOWPayments, and CoinPayments. No fluff. Just the facts you need to make the right call for your business.

The Fee Structure Showdown

Here's where it gets interesting.

NOWPayments and CoinPayments both charge 0.5-1% processing fees. Solid improvement over legacy systems. If you're processing $500,000 annually, that's roughly $3,750-$5,000 in fees.

Compare that to traditional processors at $12,500+ annually.

Larecoin takes a different approach entirely. Gas fees only. No percentage-based processing fees cutting into every transaction.

For that same $500,000 volume? Estimated costs drop under $2,000 annually.

That's real money staying in your pocket. Not lining someone else's.

Processing Speed: Time Is Money

Slow transactions kill sales. Period.

Here's how the platforms stack up:

Platform	Average Processing Time
NOWPayments	~5 minutes
CoinPayments	Minutes to hours (variable)
Larecoin	Near-instant/sub-second finality

NOWPayments delivers consistent 5-minute windows. Workable for most scenarios.

CoinPayments? Unpredictable. Sometimes fast. Sometimes customers are waiting around wondering if their payment went through.

Larecoin's sub-second finality means customers tap, pay, and walk. No awkward waiting. No uncertainty.

For high-volume retail environments, that speed difference adds up fast.

Self-Custody: Who Actually Controls Your Money?

This is the question most merchants don't ask until it's too late.

CoinPayments operates as a custodian. Your funds sit in their system before release. They hold the keys. They control access. If something goes wrong on their end, you're waiting.

NOWPayments offers non-custodial options. Payments can forward directly to your wallet. Better. They still offer optional custody for operational balances if you prefer.

Larecoin goes all-in on self-custody through its smart wallet model. No intermediaries. No third parties holding your funds hostage. Your crypto lands in your wallet immediately.

Merchant freedom isn't just a buzzword. It's knowing your revenue is yours the moment a customer pays.

The LUSD Advantage

Volatility concerns are real. Crypto swings can turn a profitable sale into a loss overnight.

NOWPayments and CoinPayments rely on third-party stablecoins. Nothing wrong with that. But it adds another layer between you and your money.

Larecoin built LUSD, its native stablecoin, directly into the ecosystem.

Why does this matter?

• Seamless integration within the payment flow

• No external dependencies

• Consistent value retention without extra conversion steps

Merchants can accept volatile crypto and instantly settle in LUSD. No exposure. No stress.

NFT Receipts: Beyond Traditional Documentation

Here's something neither NOWPayments nor CoinPayments offers: NFT receipts.

Every Larecoin transaction generates an immutable, verifiable receipt on-chain.

For merchants, this means:

• Permanent transaction records that can't be altered or lost

• Dispute resolution with blockchain-verified proof

• Accounting integration with verifiable documentation

• Customer transparency they can trust

Traditional paper receipts fade. Digital receipts get deleted. NFT receipts live on the blockchain forever.

It's not just a gimmick. It's a fundamental upgrade to how businesses track transactions.

Cryptocurrency Support Comparison

Let's talk selection.

CoinPayments supports 2,000+ cryptocurrencies. Sounds impressive. But most of those tokens are illiquid, obscure, and rarely used by actual customers. Nice for bragging rights. Questionable for practical merchant use.

NOWPayments supports 300+ cryptocurrencies. More curated. More useful. The tokens customers actually want to spend.

Larecoin focuses on comprehensive support for high-demand cryptocurrencies, plus native LUSD integration. Quality over quantity.

The real question: what do your customers actually pay with?

Setup Time and Onboarding

Nobody wants to spend a week configuring payment systems.

Platform	Setup Time
NOWPayments	Minutes
CoinPayments	Hours
Larecoin	Minutes

CoinPayments' longer setup process creates friction. Every hour spent configuring is an hour not serving customers.

Both NOWPayments and Larecoin prioritize fast onboarding. Get in. Get set up. Start accepting payments.

Feature-by-Feature Breakdown

Here's the complete comparison:

Feature	Larecoin	NOWPayments	CoinPayments
Processing Fees	Gas only	0.5-1%	0.5-1%
Processing Speed	Sub-second	~5 minutes	Variable
Self-Custody	Full	Optional	No
NFT Receipts	Yes	No	No
Native Stablecoin	LUSD	Third-party	Third-party
Setup Time	Minutes	Minutes	Hours
Customizable Network Fees	Yes	Yes	No

The gaps speak for themselves.

Which Platform Fits Your Business?

Choose NOWPayments if:

• You want a reliable upgrade from traditional processing

• Non-custodial options matter but full self-custody isn't critical

• Consistent 5-minute processing works for your operations

• You value broad cryptocurrency support

Avoid CoinPayments if:

• Processing speed matters for customer experience

• You want control over your funds

• You don't want to spend hours on setup

• Predictability is essential

Choose Larecoin if:

• Maximum fee savings drive your decisions

• Self-custody and merchant freedom are non-negotiable

• Near-instant settlement improves your customer experience

• NFT receipts add value to your operations

• Native stablecoin integration simplifies your workflow

The Bottom Line for Small Businesses

Traditional payment processors have held merchants hostage for decades. High fees. Slow settlements. Someone else controlling your revenue.

Crypto POS systems change the game.

NOWPayments represents a solid step forward. Real savings. Real improvements. A legitimate choice for merchants testing crypto payments.

CoinPayments feels dated. Variable processing. Custodial limitations. Better options exist.

Larecoin pushes furthest into decentralized merchant freedom. Gas-only fees. Sub-second finality. Full self-custody. NFT receipts. Native LUSD stability.

For small businesses ready to embrace true independence in payment processing, the choice becomes clear.

Ready to Make the Switch?

Explore how Larecoin's ecosystem puts merchants first. Check out the crypto payments solution and see what genuine fee savings look like.

Join the merchants already keeping more of their revenue. Visit Larecoin to get started.

Your margins will thank you.