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

Small business owners. You're bleeding money on payment processing fees.

Traditional payment rails? Charging you 2.5% to 3.5% per swipe. That's thousands of dollars annually. Gone. Just like that.

Crypto POS systems are changing the game. But not all platforms are created equal. Let's break down three major players: Larecoin, NOWPayments, and CoinPayments.

By the end of this comparison, you'll know exactly which system fits your business.

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The Quick Breakdown: What Each Platform Offers

Before diving deep, here's what you're working with:

Feature	Larecoin	NOWPayments	CoinPayments
Transaction Fees	Ultra-low	0.5% - 1%	0.5%
Self-Custody	✅ Full	Partial	❌
NFT Receipts	✅	❌	❌
Native Stablecoin	LUSD	❌	❌
Interchange Fee Savings	50%+	~30%	~30%
Web3 Native	✅	Partial	❌

Now let's unpack these differences.

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NOWPayments: The Popular Pick

NOWPayments is everywhere. Fast setup. Over 300 cryptocurrencies supported. Account creation under a minute.

The fee structure:

• 0.5% for single-currency payments

• 1% for multi-currency or conversion payments

• No integration fees upfront

For high-volume merchants (50+ BTC monthly), fees drop to 0.45%. Above 100 BTC? You're looking at 0.4%.

Pros:

• Quick onboarding

• Non-custodial (partial)

• QR code payments

• Fiat settlement options

Cons:

• No native stablecoin ecosystem

• Limited Web3 features

• No NFT receipts

• Still tied to traditional conversion rails

NOWPayments works. But "works" isn't the same as "optimal."

Small businesses processing $50K monthly still lose $250-$500 in fees. That adds up fast.

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CoinPayments: The Legacy Option

CoinPayments has been around since 2013. Veteran status in crypto payments.

Their approach:

• 0.5% flat fee

• Support for 100+ cryptocurrencies

• Merchant tools and plugins

Sounds decent on paper.

The reality:

CoinPayments operates on a custodial model. Your funds? Held by their platform. You're trusting a third party with your crypto assets.

This creates multiple problems:

• Counterparty risk

• Withdrawal delays

• Account freezes possible

• Not your keys, not your coins

For small businesses embracing crypto for sovereignty and control, CoinPayments misses the mark entirely.

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Larecoin: The Web3-Native Solution

Here's where things get interesting.

Larecoin isn't just a payment processor. It's a complete Web3 payments ecosystem built for merchants who want full control and maximum savings.

Slash Interchange Fees by 50%+

Traditional card networks charge interchange fees between 1.5% and 3.5%. That's before your processor takes their cut.

Larecoin eliminates the middlemen.

Direct peer-to-peer payments. No Visa. No Mastercard. No banks taking slices of every transaction.

For a small business processing $100,000 annually:

• Traditional processing: $2,500 - $3,500 in fees

• Larecoin: Under $1,000

That's money staying in YOUR pocket. Not feeding corporate payment networks.

The LUSD Stablecoin Advantage

Volatility concerns? Handled.

LUSD is Larecoin's native stablecoin. Pegged to the dollar. Zero wild price swings between transaction and settlement.

Why this matters for merchants:

• Accept crypto without volatility risk

• Instant settlement value

• No conversion fees to fiat

• Seamless accounting

NOWPayments and CoinPayments? They rely on third-party stablecoins or fiat conversion. Extra fees. Extra steps. Extra headaches.

LUSD is native to the ecosystem. Clean. Simple. Efficient.

NFT Receipts: Proof That Actually Means Something

Paper receipts? Outdated. Digital PDFs? Forgeable. NFT receipts? Immutable blockchain proof.

Every Larecoin transaction generates an NFT receipt. This creates:

• Permanent transaction records : On-chain, timestamped, unchangeable

• Customer loyalty potential : Receipts become collectibles

• Dispute resolution : Undeniable proof of purchase

• Tax documentation : Auditor-friendly blockchain records

No other crypto POS offers this. NOWPayments doesn't. CoinPayments doesn't.

NFT receipts aren't a gimmick. They're the future of transaction verification.

True Self-Custody: Your Money, Your Control

This is non-negotiable in Web3.

Self-custody means:

• YOU hold the private keys

• No third party can freeze your funds

• Instant access, always

• Complete financial sovereignty

CoinPayments fails here entirely. NOWPayments offers partial non-custodial features but still routes through their systems.

Larecoin? Full self-custody from day one.

Your business. Your revenue. Your keys. Period.

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The Real Cost Comparison

Let's get specific. A small retail business processing $75,000 annually:

Traditional Card Processing (2.9% average): $2,175 in fees

CoinPayments (0.5%): $375 in fees + withdrawal fees + conversion costs Real cost: ~$500-600

NOWPayments (0.5% - 1%): $375 - $750 in fees + conversion costs Real cost: ~$450-850

Larecoin: Under $300 total Plus: NFT receipts, LUSD stability, full self-custody

The math is clear. Larecoin delivers maximum value with minimum cost.

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Why Self-Custody Matters More Than Ever

2024 and 2025 taught merchants a harsh lesson.

Exchange collapses. Platform freezes. Regulatory seizures.

Businesses using custodial payment processors watched their funds vanish overnight. No recourse. No recovery.

Self-custody isn't paranoia. It's prudent business practice.

When you accept payments through Larecoin:

• Funds hit YOUR wallet instantly

• No intermediary holding periods

• No platform risk

• Complete operational independence

This is the promise of Web3 payments. Larecoin actually delivers it.

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Feature-by-Feature Verdict

For Fee Savings: Larecoin wins decisively. 50%+ reduction versus traditional processing. Lower total costs than NOWPayments and CoinPayments when factoring all expenses.

For Cryptocurrency Support: NOWPayments leads with 300+ coins. But more options doesn't mean better. LUSD stability through Larecoin often beats juggling dozens of volatile assets.

For Self-Custody: Larecoin. No contest. CoinPayments is custodial. NOWPayments is partial. Only Larecoin provides true financial sovereignty.

For Innovation: NFT receipts, native stablecoin, Web3-native architecture. Larecoin is building for the next decade, not patching legacy systems.

For Small Business Owners: If you want simplicity with maximum control and minimum fees, Larecoin is the answer.

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The Bottom Line

NOWPayments is fine. CoinPayments is outdated.

Larecoin is built different.

True self-custody. 50%+ interchange savings. NFT receipts. LUSD stablecoin. Full Web3 integration.

Small businesses don't need "good enough" payment processing. You need a competitive edge.

Stop feeding traditional payment networks. Stop trusting custodial platforms with your revenue.

Take control.

Ready to slash your payment processing costs?

Explore Larecoin and see what Web3 payments actually look like.

Your business. Your money. Your future.