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

Small business owners are fed up with credit card fees eating into their margins. You already know this. That 2-3% interchange fee on every swipe? It adds up fast. Thousands of dollars gone. Every single year.

Crypto POS systems offer a way out. Lower fees. Faster settlements. No chargebacks. But which platform actually delivers?

Let's break down three major players: Larecoin, NOWPayments, and CoinPayments. By the end, you'll know exactly which one deserves your business.

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The Stakes: Why Your POS Choice Matters

Traditional payment processors charge between 1.5% and 3.5% per transaction. For a small business processing $100,000 annually, that's $1,500 to $3,500 vanishing into thin air.

Crypto POS systems promise to slash those fees dramatically. Some by 50% or more.

But fees aren't everything. You need:

• Self-custody options

• Stablecoin support

• Minimal volatility risk

• Easy integration

Not all platforms deliver equally.

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NOWPayments: The Popular Choice

NOWPayments has built a solid reputation. Over 300 supported cryptocurrencies. Quick setup. Web-based terminal that works on any device.

The Good:

• 0.5% fee for single-currency payments

• 1% fee for multi-currency conversions

• No integration fees

• Non-custodial service

• QR code-based payments

The Not-So-Good:

• Limited merchant tools beyond basic payments

• No NFT receipt functionality

• Relies on third-party conversions for fiat off-ramps

• Volatility exposure without native stablecoin

NOWPayments works. It's functional. But "functional" doesn't mean optimal.

For merchants who just want to accept Bitcoin and move on, it's fine. For those building a future-proof payment infrastructure? Keep reading.

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CoinPayments: The Veteran

CoinPayments has been around since 2013. That's ancient in crypto years. They support over 2,000 cryptocurrencies and offer plugins for major e-commerce platforms.

The Good:

• Massive cryptocurrency selection

• Shopping cart plugins for WooCommerce, Shopify, etc.

• Established track record

• Vault storage options

The Not-So-Good:

• 0.5% base fee, but additional conversion fees stack up

• Custodial by default, they hold your funds

• Complex fee structure

• No Web3-native features like NFT receipts

• Dated interface

CoinPayments feels like a 2015 solution trying to compete in 2026. The cryptocurrency support is impressive, but the lack of modern Web3 integration shows its age.

Self-custody? Optional, but not the default. That's a red flag for merchants who understand the importance of financial sovereignty.

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Larecoin: The Web3-Native Contender

Here's where things get interesting.

Larecoin wasn't built to be "another crypto payment processor." It was engineered from the ground up as a complete Web3 payments ecosystem. The difference shows.

Core Advantages:

50%+ Fee Reduction

Larecoin's fee structure undercuts traditional processors by more than half. We're talking real savings that compound over time. For a business processing $200,000 annually, that's thousands back in your pocket.

LUSD Stablecoin Integration

Volatility kills merchant adoption. You can't run payroll when your payment processor's token swings 15% overnight.

LUSD solves this. Native stablecoin support means you can accept crypto payments and settle in a dollar-pegged asset. No scrambling to convert. No timing the market. Just predictable value.

NFT Receipts

This is where Larecoin pulls ahead of the pack.

Every transaction can generate an NFT receipt. Why does this matter?

• Immutable proof of purchase on the blockchain

• Automated warranty tracking tied to the receipt

• Customer loyalty programs built on verifiable transaction history

• Tax documentation that's tamper-proof

NOWPayments doesn't offer this. CoinPayments doesn't either. It's a Larecoin exclusive that transforms receipts from paper clutter into programmable assets.

True Self-Custody

Your keys. Your crypto. Period.

Unlike platforms that hold your funds by default, Larecoin prioritizes self-custody. Funds flow directly to your wallet. No intermediary sitting on your revenue. No platform risk if a centralized service goes down.

This isn't just philosophy. It's financial sovereignty in action.

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Head-to-Head Comparison

Feature	Larecoin	NOWPayments	CoinPayments
Base Transaction Fee	Lowest tier	0.5-1%	0.5%+
Native Stablecoin	LUSD	No	No
NFT Receipts	Yes	No	No
Self-Custody Default	Yes	Yes	No
Web3 Integration	Full ecosystem	Basic	Limited
Merchant Portal	Advanced	Basic	Moderate
Setup Time	Minutes	Minutes	Varies

The numbers speak. But the real differentiation is in the ecosystem depth.

NOWPayments and CoinPayments are payment processors. Larecoin is a complete financial infrastructure layer for Web3 commerce.

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Why Self-Custody Isn't Optional Anymore

Let's talk about something the other platforms downplay.

When a centralized service holds your funds, you're trusting them with your business's lifeblood. We've seen what happens when that trust breaks:

• Platforms freeze accounts without warning

• Withdrawal delays during market volatility

• Custody services getting hacked or going insolvent

Self-custody eliminates these risks. Your wallet, your control. Larecoin's architecture ensures funds never sit in a platform-controlled address. They go straight to you.

For small businesses operating on thin margins, this isn't a nice-to-have. It's essential.

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The LUSD Advantage Explained

Stablecoins aren't new. But native integration is.

When you accept payment through Larecoin, you can settle in LUSD automatically. No manual swaps. No exchange accounts. No timing decisions.

Compare this to NOWPayments, where you'd need to:

1. Receive payment in crypto

2. Transfer to an exchange

3. Convert to stablecoin or fiat

4. Withdraw to your bank

Each step adds friction. Each step adds potential fees. Each step adds time.

Larecoin collapses this into a single flow. Accept payment. Receive LUSD. Done.

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Real-World Application: The Coffee Shop Test

Imagine you run a coffee shop. Average transaction: $7. Daily transactions: 200.

Traditional Credit Card Processing:

• $1,400 daily revenue

• ~$42 in fees (3% average)

• $15,330 annual fee burden

With Larecoin:

• Same $1,400 daily revenue

• Fees slashed by 50%+

• NFT receipts enable a loyalty program without third-party software

• LUSD settlements protect against crypto volatility

• Self-custody means your morning revenue is in your wallet before lunch

That's not incremental improvement. That's a fundamental shift in how small businesses can operate.

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Making the Switch

Ready to cut your payment processing costs in half?

Here's your path forward:

1. Visit Larecoin.com to explore the ecosystem

2. Set up your merchant wallet : takes minutes, not days

3. Integrate with your existing POS or use Larecoin's contactless terminal

4. Start accepting payments with lower fees, NFT receipts, and LUSD settlements

No lengthy verification processes. No hardware purchases required. Just a smarter way to accept payments.

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The Bottom Line

NOWPayments is functional. CoinPayments is established. But neither was built for where commerce is heading.

Larecoin delivers:

• 50%+ fee reduction over traditional processors

• LUSD stablecoin for volatility-free settlements

• NFT receipts that transform transaction records into programmable assets

• Self-custody by default for true financial sovereignty

Your small business deserves more than a payment processor. It deserves a Web3-native financial infrastructure.

The choice is yours. But the math is clear.

Explore Larecoin's Merchant Solutions →