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

Small business owners are bleeding money. Every swipe. Every tap. Every transaction.

Traditional payment processors take 2.5% to 3.5% of your hard-earned revenue. That's thousands of dollars annually: straight out of your pocket.

Crypto POS systems promise a way out. But not all platforms deliver equally.

Today, we're breaking down three major players: Larecoin, NOWPayments, and CoinPayments. By the end, you'll know exactly which one fits your business.

Let's get into it.

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The Small Business Payment Problem

Here's the reality check.

You sell a $100 product. Visa or Mastercard takes $2.50 to $3.50. Multiply that across thousands of transactions annually. You're hemorrhaging profits.

Crypto payment processors slash those fees dramatically. Some by 50% or more.

But fees aren't everything. You need:

• Fast settlements

• Self-custody options

• Stablecoin flexibility

• Easy integration

• Real utility beyond just accepting payments

Three platforms. Three different approaches. One clear winner.

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NOWPayments: The Volume Player

NOWPayments has carved out space in the crypto payments world. Here's what they bring to the table.

The Good:

• 300+ cryptocurrencies supported

• 0.5% processing fee

• Multiple integration options (widgets, buttons, plugins)

• Works with WooCommerce, Shopify, Magento, PrestaShop

• Fiat payout options available

Integration Options:

• Payment widget (no-code)

• One-line payment button

• API for custom builds

• Direct e-commerce plugins

Payout Flexibility: Keep crypto. Convert to stablecoins. Cash out to fiat. Daily, weekly, or monthly schedules.

The Catch:

NOWPayments is custodial. They hold your funds. You trust them with your money until payout.

That's a significant trade-off in Web3.

No NFT receipts. No proprietary stablecoin ecosystem. No Layer 1 blockchain backing the infrastructure.

For high-volume merchants prioritizing simplicity? Solid choice. For businesses wanting true financial sovereignty? Keep reading.

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CoinPayments: The Legacy Option

CoinPayments has been around since 2013. One of the OGs in crypto payment processing.

The Good:

• 2,000+ cryptocurrencies supported

• Established reputation

• Shopping cart plugins for major platforms

• Multi-coin wallet included

• GAP600 instant confirmations on select currencies

Fee Structure:

• 0.5% incoming transaction fee

• Network fees apply on withdrawals

• Conversion fees for currency swaps

Integration:

• APIs available

• E-commerce plugins

• Point-of-sale solutions

• Invoice system

The Catch:

Again: custodial. CoinPayments holds your assets.

The platform feels dated. Interface hasn't evolved with Web3 standards. No NFT functionality. No native stablecoin designed for merchant use.

Security incidents have occurred over the years. Third-party custody always carries risk.

For merchants who want a familiar, legacy system? CoinPayments works. For those building toward the future of commerce? There's a better path.

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Larecoin: Built for Merchant Sovereignty

Here's where things shift dramatically.

Larecoin isn't just a payment processor. It's a complete Web3 commerce ecosystem built on its own Layer 1 blockchain.

Core Advantages:

1. Slash Interchange Fees by 50%+

Traditional processors take 2.5% to 3.5%. Larecoin's infrastructure dramatically reduces that overhead.

More profit stays in your register. Period.

2. True Self-Custody

This is the game-changer.

NOWPayments? Custodial. CoinPayments? Custodial. They hold your money.

Larecoin? Self-custody from transaction to settlement.

Your keys. Your coins. Your business.

No trusting third parties with your revenue. No waiting for someone else to release your funds. No counterparty risk.

In Web3, self-custody isn't a feature. It's the foundation.

3. LUSD Stablecoin Integration

Volatility kills merchant adoption. Everyone knows this.

Larecoin solves it with LUSD: a purpose-built stablecoin within the ecosystem.

Accept any crypto. Auto-convert to LUSD. Lock in your sale value instantly.

No more watching Bitcoin drop 10% before you can cash out. LUSD maintains stability while keeping you in the Larecoin ecosystem for maximum efficiency.

Compare that to NOWPayments or CoinPayments, where you're relying on third-party stablecoins without native integration.

4. NFT Receipts: Utility Beyond Payment

This is where Larecoin pulls ahead of everyone.

NFT receipts transform every transaction into a verifiable, immutable record on-chain.

Why does this matter for small businesses?

• Accounting automation: On-chain receipts integrate with modern bookkeeping

• Warranty tracking: Customers prove purchase history instantly

• Loyalty programs: NFT receipts can unlock future discounts or perks

• Dispute resolution: Immutable proof of transaction details

• Returns processing: Verify original purchase without paper trails

NOWPayments doesn't offer this. CoinPayments doesn't either.

NFT receipts aren't a gimmick. They're infrastructure for the next decade of commerce.

5. Layer 1 Blockchain Infrastructure

Larecoin operates on its own blockchain: LareBlocks.

What does that mean for merchants?

• Faster transaction confirmations

• Lower network fees

• Purpose-built for payment processing

• No congestion from unrelated DeFi activity

• Full transparency via LareScan explorer

You're not competing with NFT mints and DeFi swaps for block space. The chain is optimized for commerce.

6. Complete Ecosystem Integration

Larecoin isn't isolated payment rails. It's a full ecosystem:

• Smart Wallet: Self-custody with enterprise features

• Merchant Portal: Dashboard for managing transactions

• Contactless POS: In-store crypto acceptance

• Classified Ads & Social Spaces: Built-in community commerce

• NFT Trading: Secondary market for digital assets

• AI/ML Search: Smart product discovery

One platform. Complete commerce infrastructure.

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Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fee	0.5%	0.5%	Lower than traditional
Self-Custody	❌ Custodial	❌ Custodial	✅ Full self-custody
Native Stablecoin	❌	❌	✅ LUSD
NFT Receipts	❌	❌	✅
Own Blockchain	❌	❌	✅ LareBlocks
Merchant Portal	Basic	Basic	✅ Advanced
Ecosystem Integration	Payment only	Payment only	✅ Full commerce suite

The pattern is clear.

NOWPayments and CoinPayments process payments. Larecoin builds merchant empires.

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Why Self-Custody Matters More Than Ever

Let's talk about what custodial really means.

When NOWPayments or CoinPayments holds your funds:

• They control withdrawal timing

• They can freeze accounts

• They're a target for hackers

• Regulatory changes can lock your assets

• Bankruptcy means you're a creditor, not an owner

We've seen this story before. Exchanges collapse. Processors disappear. Merchants lose everything.

Self-custody eliminates that risk entirely.

With Larecoin's smart wallet architecture, funds move directly to your control. No intermediary holding period. No trust required.

Your revenue. Your custody. Always.

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The Bottom Line

Here's the real question: What do you actually need from a crypto POS system?

Choose NOWPayments if:

• You want plug-and-play simplicity

• Custodial risk doesn't concern you

• Basic payment processing is enough

Choose CoinPayments if:

• Legacy reputation matters more than innovation

• You need maximum cryptocurrency variety

• You're comfortable with older interfaces

Choose Larecoin if:

• Financial sovereignty is non-negotiable

• You want to slash fees by 50%+

• NFT receipts and modern infrastructure appeal to you

• Self-custody is a requirement

• You're building for the future of commerce

Small businesses deserve better than 3% payment processing fees. They deserve ownership of their revenue. They deserve infrastructure built for Web3.

Larecoin delivers all three.

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Ready to Make the Switch?

Stop bleeding money to payment processors. Stop trusting third parties with your revenue.

Explore the full Larecoin ecosystem at larecoin.com and see what merchant-first crypto payments actually look like.

Your business. Your keys. Your future.