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

Small business owners. Listen up.

Crypto payments are no longer optional. They're a competitive advantage.

But here's the problem: choosing the wrong POS system can drain your profits. Slow transactions. Custodial traps. Hidden fees.

Not all crypto payment processors are created equal. NOWPayments, CoinPayments, and Larecoin each offer distinct approaches. The differences matter more than you think.

Let's break down exactly what each platform brings to the table: and which one actually puts your business first.

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The Bottom Line: Fee Comparison That Actually Matters

Money talks. Let's start there.

Traditional payment processors charge 2.5–3.5% per transaction. That's $12,500 to $17,500 annually on just $500K in revenue. Brutal.

Crypto payment solutions promise better. But how much better?

Platform	Fee Structure	Annual Cost ($500K Revenue)
Traditional Processors	2.5–3.5%	$12,500–$17,500
NOWPayments	0.5–1%	~$3,750
CoinPayments	0.5–1%	~$3,750
Larecoin	Gas-only	Under $2,000

The math is simple.

NOWPayments and CoinPayments cut traditional fees by 70%. Solid improvement.

Larecoin's gas-only model? That's an 85%+ reduction. We're talking about keeping thousands more in your pocket every single year.

For a small business processing $10,000 monthly, NOWPayments and CoinPayments cost approximately $75–100 in fees. Larecoin? Significantly less with fully transparent pricing.

No hidden charges. No percentage-based surprises. Just blockchain gas fees.

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Processing Speed: When Seconds Actually Count

Picture this: Customer at the counter. Payment pending. Everyone waiting.

Awkward? Absolutely.

Transaction speed directly impacts customer experience. Here's how each platform performs:

NOWPayments: ~5 minutes average confirmation time

CoinPayments: Minutes to hours (highly variable depending on network congestion)

Larecoin: Sub-second finality on Solana

Read that last one again. Sub-second.

Larecoin leverages Solana's blockchain infrastructure. Near-instant settlement. No more customers tapping their feet while confirmations process.

For retail environments: coffee shops, boutiques, food trucks: this speed difference is everything. Fast transactions mean happier customers and higher throughput during rush hours.

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Custody: Who Actually Owns Your Money?

This is where things get real.

Most merchants don't realize they're handing control of their funds to intermediaries. Custodial platforms hold your crypto. They control access. They set the rules.

NOWPayments: Offers non-custodial options, but funds often pass through intermediary systems

CoinPayments: Primarily custodial model with limited self-custody features

Larecoin: Full self-custody through smart wallet functionality

Here's the key distinction: With Larecoin, funds flow directly to your merchant wallet. No middlemen. No third-party holding your assets. No permission needed to access what's rightfully yours.

Self-custody equals merchant freedom.

Your business. Your crypto. Your control.

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NFT Receipts: Immutable Transaction Records

This is where Larecoin gets innovative.

Traditional receipts? Paper that fades. PDFs that get lost. Digital records that can be altered.

Larecoin's NFT receipts create permanent, blockchain-verified transaction records. Every sale minted as an immutable proof of purchase.

Why this matters:

• Accounting made simple: Verifiable records that can't be disputed

• Customer trust: Buyers receive proof of authentic purchase

• Tax compliance: Clear, timestamped transaction history

• Dispute resolution: Undeniable evidence of completed transactions

NOWPayments and CoinPayments don't offer this functionality. They provide standard transaction confirmations: nothing more.

NFT receipts represent the next evolution in business record-keeping. Larecoin is already there.

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LUSD: Stablecoin Integration for Price Stability

Crypto volatility concerns every merchant. Accept Bitcoin today, watch it drop 10% tomorrow. That uncertainty kills adoption.

Enter LUSD: Larecoin's native stablecoin solution.

With LUSD integration, merchants can:

• Accept payments in volatile cryptocurrencies

• Instantly convert to stablecoin value

• Eliminate price fluctuation risk

• Maintain predictable revenue

NOWPayments supports various stablecoins but requires manual conversion processes. CoinPayments offers similar functionality with additional steps involved.

Larecoin's ecosystem integrates LUSD natively. Seamless. Automatic. Built directly into the merchant experience.

Price stability without sacrificing the benefits of decentralized payments.

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The Independence Factor: Decentralized Merchant Freedom

Let's talk philosophy for a moment.

Why did crypto exist in the first place? Decentralization. Freedom from centralized control. Permissionless transactions.

Many crypto payment processors have drifted from these principles. They've become gatekeepers: centralized intermediaries in decentralized clothing.

The Larecoin difference:

• No approval required to start accepting payments

• No account freezes based on arbitrary policies

• No transaction censorship

• Direct peer-to-peer settlement

This is merchant independence. True financial sovereignty for your business.

CoinPayments and NOWPayments operate with varying degrees of centralization. Account restrictions happen. Withdrawal limits exist. Policies change.

Larecoin's architecture puts merchants in complete control. Always.

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Feature-by-Feature Breakdown

Let's get granular.

Cryptocurrency Support

NOWPayments: 300+ supported cryptocurrencies. Impressive variety. Good for merchants wanting maximum customer payment options.

CoinPayments: Similar broad support. Established integrations with major e-commerce platforms.

Larecoin: Focused ecosystem approach with native Solana support, LUSD stablecoin, and growing token compatibility.

E-Commerce Integration

All three platforms offer integration options. NOWPayments and CoinPayments have longer track records with traditional e-commerce platforms.

Larecoin's merchant portal provides real-time analytics, modern dashboards, and Web3-native functionality.

Reputation & Track Record

CoinPayments: Longest operational history. Established but often criticized as "outdated" in user experience.

NOWPayments: Solid middle-ground option. Reliable with decent feature set.

Larecoin: Newest entrant with most innovative approach. Built on Solana's cutting-edge infrastructure.

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Real Numbers for Real Businesses

Let's run the scenarios.

Scenario 1: Coffee Shop

• Monthly transactions: 3,000

• Average ticket: $8

• Monthly volume: $24,000

With traditional processing (3%): $720/month in fees With NOWPayments/CoinPayments (0.75%): $180/month With Larecoin (gas-only): Under $50/month

Annual savings with Larecoin: $7,560+

Scenario 2: Online Retailer

• Monthly transactions: 500

• Average ticket: $150

• Monthly volume: $75,000

With traditional processing: $2,250/month With NOWPayments/CoinPayments: $562/month With Larecoin: Under $200/month

Annual savings with Larecoin: $24,000+

Those aren't hypothetical numbers. That's real money back in your business.

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The Verdict: Which Platform Wins?

Choose NOWPayments if:

• Maximum cryptocurrency variety is your priority

• You need established e-commerce integrations

• Moderate fee savings satisfy your needs

Choose CoinPayments if:

• Platform longevity matters most

• You prefer traditional payment processor feel

• Basic crypto acceptance is enough

Choose Larecoin if:

• Fee minimization is critical

• Self-custody and merchant freedom matter

• You want innovative features like NFT receipts

• Transaction speed affects your business

• True decentralization aligns with your values

For small businesses serious about crypto payments in 2026, Larecoin represents the most forward-thinking choice. Lowest fees. Fastest transactions. Complete control.

The future of merchant payments is decentralized. Larecoin is building it.

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Ready to Make the Switch?

Stop losing money to outdated payment processing.

Explore Larecoin's merchant solutions. Set up your self-custody wallet. Start accepting crypto payments the way they were meant to be: direct, fast, and free from intermediary control.

Your customers are ready. Your competition is watching.

Time to move.