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

Running a small business in 2026? Crypto payments aren't optional anymore. They're expected.

But here's the problem. Not all crypto POS systems are created equal. Some drain your profits with fees. Others lock up your funds. And most? They treat merchants like an afterthought.

Let's break down three major players: Larecoin, NOWPayments, and CoinPayments. By the end, you'll know exactly which crypto payment processor fits your small business needs.

The Quick Breakdown

Feature	Larecoin	NOWPayments	CoinPayments
Transaction Fees	Ultra-low (gas-only options)	0.5% - 1%	0.5%
Self-Custody	✅ Full control	Partial	Limited
NFT Receipts	✅ Yes	❌ No	❌ No
Stablecoin (LUSD)	✅ Native	❌ Third-party	❌ Third-party
Merchant Freedom	✅ Complete	Moderate	Limited

Three very different approaches. Three very different outcomes for your bottom line.

NOWPayments: The Volume Play

NOWPayments has been around. It's reliable. It works.

The Fee Structure:

• 0.5% for single-currency payments

• 1% for multi-currency payments

• Volume discounts kick in above 50 BTC monthly turnover

That 0.5% sounds small. Until you do the math.

Process $100,000 monthly? You're paying $500 in fees. Every single month. That's $6,000 annually: straight out of your pocket.

What NOWPayments Offers:

• 300+ supported cryptocurrencies

• Web-based POS terminal

• QR code payments

• Quick setup (under a minute)

• 24/7 customer support

Decent package. Solid for high-volume merchants chasing volume discounts.

The Catch?

You're still paying fees on every transaction. And while they call it "non-custodial," you're still routing through their infrastructure. Not true self-custody.

CoinPayments: The Legacy Option

CoinPayments entered the game early. First-mover advantage. But innovation? That's stalled.

The Fee Structure:

• Flat 0.5% on all transactions

• No volume discounts

Straightforward. Predictable. Boring.

What CoinPayments Offers:

• Wide cryptocurrency support

• Shopping cart plugins

• Vault storage options

• Multi-coin wallet

It works. For basic needs. But small businesses in 2026 need more than basic.

The Catch?

Limited merchant control. Centralized infrastructure. No unique features that help you stand out. You're just another merchant in their system.

Larecoin: Built for Merchant Freedom

Here's where things get interesting.

Larecoin wasn't designed to be "another payment processor." It was built from the ground up with one goal: give merchants complete control.

The Fee Structure:

• Gas-only transfer options

• No percentage-based fees eating your profits

• LUSD stablecoin integration for predictable settlements

Stop calculating fee losses. Start keeping more revenue.

What Larecoin Offers:

• True Self-Custody: Your crypto. Your wallet. Your control. No middleman holding your funds.

• NFT Receipts: Every transaction generates a verifiable, blockchain-native receipt. Proof of purchase that can't be faked.

• LUSD Stablecoin: Accept payments in stable value. No volatility headaches.

• Contactless POS: Modern payment terminal built for Web3.

• Merchant Portal: Full dashboard control over your payment ecosystem.

This isn't just processing payments. This is owning your payment infrastructure.

The Self-Custody Difference

Let's talk about something most payment processors don't want you to think about.

Who controls your money?

With traditional crypto payment processors, funds flow through their wallets first. They process. They hold. They release. You wait.

With Larecoin? Payments go directly to your wallet. Instantly. No intermediary. No waiting period. No "pending" status.

Why this matters for small businesses:

• Immediate access to funds

• No withdrawal delays

• No account freezes

• No third-party risk

• Complete financial sovereignty

Your business. Your money. Your rules.

NFT Receipts: The Game-Changer Nobody Expected

Traditional receipts? Paper or PDF. Easy to lose. Easier to fake.

Larecoin's NFT receipts? Permanent. Verifiable. On-chain.

Benefits for merchants:

• Instant dispute resolution

• Immutable transaction records

• Customer loyalty opportunities

• Reduced chargeback fraud

• Built-in proof of authenticity

Benefits for customers:

• Digital collectible receipts

• Proof of purchase forever

• Easy returns and exchanges

• Verifiable transaction history

Neither NOWPayments nor CoinPayments offer anything close to this. They're still stuck in Web2 thinking.

LUSD: Stability Without Sacrifice

Crypto volatility scares merchants. Understandably.

You accept $100 in Bitcoin. Two hours later? It's worth $92. That's not sustainable.

LUSD solves this.

Larecoin's native stablecoin lets you:

• Accept crypto payments in stable value

• Avoid conversion fees to fiat

• Keep funds in the crypto ecosystem

• Maintain purchasing power

NOWPayments offers fiat conversion. But that means fees. And delays. And trusting third-party exchanges.

CoinPayments? Same story.

LUSD keeps everything simple. Stable. In your control.

Real Cost Comparison: Annual Savings

Let's run the numbers for a small business processing $50,000 monthly.

NOWPayments (0.5% fee):

• Monthly fees: $250

• Annual fees: $3,000

CoinPayments (0.5% fee):

• Monthly fees: $250

• Annual fees: $3,000

Larecoin (gas-only):

• Monthly fees: ~$20-50 (variable network fees)

• Annual fees: ~$240-600

Your annual savings with Larecoin: $2,400 - $2,760

That's money back in your business. Hire help. Buy inventory. Invest in marketing. Your choice.

Which Crypto POS System Is Right for You?

Choose NOWPayments if:

• You process massive volume (50+ BTC monthly)

• You need 300+ cryptocurrency support

• You prioritize quick setup over features

Choose CoinPayments if:

• You need basic, legacy crypto processing

• You're comfortable with centralized infrastructure

• Innovation isn't a priority

Choose Larecoin if:

• You want true self-custody

• You value keeping more of your revenue

• You want cutting-edge features like NFT receipts

• You believe in merchant independence

• You're building for the future, not maintaining the past

The Bottom Line

Crypto payment processors in 2026 come in two flavors. Those maintaining the status quo. And those pushing boundaries.

NOWPayments and CoinPayments? Functional. Safe. Predictable.

Larecoin? Innovative. Merchant-first. Built for independence.

Small businesses don't need another middleman taking cuts. They need tools that amplify their success.

Ready to explore true merchant freedom?

Check out Larecoin's payment solutions and see what decentralized crypto payments really look like. Or dive into the Larecoin ecosystem to understand the full vision.

Your business deserves better than percentage fees and locked funds.

Your business deserves control.