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

Small business owners are fed up with payment processor fees eating into their margins.

Traditional processors charge 2.5-3.5% per transaction. That's $15,000 gone on $500,000 in annual sales. Just gone.

Crypto POS systems offer a way out. But not all platforms are created equal.

Let's break down how Larecoin stacks up against NOWPayments and CoinPayments. Real talk. No fluff.

The Fee Problem Is Real

Every swipe, tap, or click costs you money. Credit card processors have had small businesses in a chokehold for decades.

Here's what the numbers actually look like:

Annual Volume	Traditional Processor	NOWPayments/CoinPayments	Larecoin
$500,000	~$15,000 (2.5-3.5%)	~$5,000 (0.5-1%)	Under $2,000 (gas-only)

NOWPayments and CoinPayments both charge 0.5-1% processing fees. That's a 40-50% improvement over traditional processors.

Larecoin? Gas-only transfers. You're looking at under $2,000 on that same $500,000 volume.

That's not a small difference. That's potentially $13,000 back in your pocket annually.

Speed Matters More Than You Think

Waiting for payments to clear is frustrating. Time-sensitive transactions need instant settlement.

NOWPayments: Around 5 minutes average processing time. Decent. Customizable network fee options give you some control.

CoinPayments: Here's where it gets rough. Processing times range from minutes to hours. Unpredictable. Creates operational headaches for busy merchants.

Larecoin: Near-instant settlement built on Solana blockchain architecture. Fast. Reliable. No guessing games.

For retail environments, restaurants, and service businesses, that speed difference is everything.

Self-Custody: Your Money, Your Rules

This is where the platforms truly diverge.

CoinPayments uses a custodial model. Translation: they hold your funds. You're trusting a third party with your money. Sound familiar? That's exactly what we're trying to escape from traditional finance.

NOWPayments offers a non-custodial option. Payments go directly to your wallet. Better. You have genuine control over your funds.

Larecoin takes self-custody to another level. Full self-custody. Period. Your crypto lands in your wallet immediately. No middlemen. No waiting. No permission needed to access your own money.

Merchant freedom means nothing if someone else controls the keys.

The Complete Feature Breakdown

Let's get granular:

Feature	NOWPayments	CoinPayments	Larecoin
Custody Model	Non-custodial option available	Custodial	Full self-custody
Processing Time	~5 minutes	Minutes to hours	Near-instant
Cryptocurrencies Supported	300+	2,000+	Comprehensive
Native Stablecoin	No (third-party)	No (third-party)	LUSD integration
NFT Receipts	No	No	Yes
Setup Complexity	Medium to high	Low	Low
Network Fee Customization	Yes	No	Yes

CoinPayments wins on raw cryptocurrency count with 2,000+ options. But here's the thing: most small businesses don't need 2,000 cryptocurrencies. They need reliable payments in the currencies their customers actually use.

LUSD: The Stablecoin Advantage

Volatility kills merchant adoption. Nobody wants to accept crypto when their $100 sale might be worth $85 tomorrow.

NOWPayments and CoinPayments rely on third-party stablecoins. Works, but adds complexity.

Larecoin built LUSD directly into the ecosystem. Native stablecoin integration means:

• Instant conversion for fiat needs

• No additional platform dependencies

• Seamless merchant experience

• Protection from market swings

For small businesses worried about crypto volatility, LUSD solves the problem elegantly.

NFT Receipts: Innovation That Matters

This is where Larecoin pulls ahead in ways competitors haven't even considered.

NFT receipts. Every transaction generates a unique, verifiable, blockchain-based receipt.

Why does this matter?

For merchants:

• Immutable proof of transaction

• Enhanced bookkeeping and audit trails

• Unique customer engagement opportunity

• Zero chance of receipt fraud

For customers:

• Permanent proof of purchase

• Potential loyalty program integration

• Collectible transaction history

• Enhanced trust in the merchant

Neither NOWPayments nor CoinPayments offer anything like this. It's a Larecoin exclusive.

Think about what this means for returns, warranties, and customer disputes. Blockchain-verified receipts eliminate the "I never bought that" problem entirely.

Smart Wallet Functionality

Larecoin's smart wallet goes beyond basic crypto storage.

The ecosystem includes:

• DAO integration

• Exchange functionality

• Liquidity pools

• Swap and bridge capabilities

• FX calibration

• Contactless POS

• Merchant portal

• AI/ML search

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

NOWPayments focuses primarily on payment processing. CoinPayments offers similar limitations. They do one thing.

Larecoin builds an entire ecosystem around merchant needs.

Setup and Implementation

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

CoinPayments keeps setup relatively simple. Low barrier to entry. But that simplicity comes with the custodial trade-off.

NOWPayments requires medium to high setup complexity. More features, more configuration required. Technical merchants will handle it fine. Others may struggle.

Larecoin prioritizes low setup complexity without sacrificing features. Self-custody doesn't have to mean complicated. The platform proves it.

Which Platform Fits Your Business?

Let's get practical.

Choose NOWPayments if:

• You want non-custodial options with broad cryptocurrency support

• 40% fee savings over traditional processors satisfies your needs

• Processing times of around 5 minutes work for your business model

• You prefer a proven track record over cutting-edge features

Think twice about CoinPayments if:

• Processing speed reliability matters to your operations

• Self-custody is important to your business philosophy

• You need predictable settlement times

• Merchant autonomy is a priority

Larecoin makes sense if:

• Maximum fee savings matter (gas-only transfers)

• Self-custody is non-negotiable

• Instant settlement improves your customer experience

• NFT receipts and innovative features excite you

• You want LUSD stablecoin integration

• Building within a complete ecosystem appeals to you

The Independence Factor

Here's what it really comes down to.

Traditional payment processors own the relationship. They set the rules. They take their cut. You play their game.

CoinPayments continues that pattern in crypto form. Custodial models mean someone else holds your money.

NOWPayments moves in the right direction with non-custodial options. Solid choice for merchants prioritizing control.

Larecoin pushes furthest toward true merchant independence. Self-custody. Gas-only fees. Native stablecoin. NFT receipts. The whole package.

Decentralized crypto payments aren't just about saving money. They're about reclaiming control over your business.

Making the Switch

Ready to explore what's possible?

The crypto POS landscape is evolving rapidly. Small businesses that adopt now gain competitive advantages in fee savings and customer experience.

Start by understanding your transaction volume, preferred cryptocurrencies, and how much control matters to your operation.

Then make the choice that fits.

Visit Larecoin to explore the ecosystem. Join the Larecoin Community to connect with other merchants making the transition.

Your margins matter. Your independence matters. Choose accordingly.