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

Small business owners. You've heard the buzz. Crypto payments are no longer optional. They're becoming essential.

But here's the problem. Not all crypto POS systems are created equal. Some drain your profits with hidden fees. Others lock your funds in custodial wallets. And a few? They're stuck in 2019.

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

The Quick Rundown

Before we dive deep, here's what you need to know at a glance:

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	0.4% base
Processing Time	~5 minutes	Minutes to hours	Near-instant
Custody Model	Non-custodial option	Custodial	Full self-custody
Crypto Support	300+	40+	Comprehensive
Native Stablecoin	No	Limited	LUSD built-in
NFT Receipts	No	No	Yes
Setup Complexity	High	Low	Low

Numbers don't lie. But let's unpack what they actually mean for your bottom line.

NOWPayments: The Token Maximalist

NOWPayments has been around for a minute. They support over 300 cryptocurrencies. That's impressive on paper.

The Good:

• Massive token variety

• Non-custodial options available

• Decent API documentation

• Works with major e-commerce platforms

The Not-So-Good:

• Setup complexity is real. Technical knowledge required.

• Processing times average around 5 minutes. Not terrible. Not great.

• Fees hover between 0.5-1%. Standard stuff.

• No native stablecoin protection against volatility

Here's the thing. If your customers want to pay with obscure altcoins, NOWPayments has you covered. But most small businesses? They're processing Bitcoin, Ethereum, and stablecoins. You don't need 300 options. You need speed, low fees, and security.

CoinPayments: The Legacy Player

CoinPayments is the OG. They've been in the game since the early days. Legacy status comes with benefits. And limitations.

The Good:

• Established reputation

• Supports 40+ cryptocurrencies

• Simple setup process

• Shopping cart plugins available

The Not-So-Good:

• Custodial model by default. Your keys? Not really yours.

• Processing can take minutes to hours. Variable and unpredictable.

• Interface feels dated

• Limited innovation in recent years

For businesses that prioritize stability over cutting-edge features, CoinPayments works. But in 2026? "Works" isn't enough. Your competitors are moving faster.

Larecoin: The Web3 Native Solution

Full disclosure. This is our blog. We're obviously biased. But let's talk facts.

Larecoin was built from scratch for the modern merchant. Not retrofitted. Not patched together. Purpose-built for small businesses entering the Web3 economy.

What Sets Larecoin Apart:

Fee Savings That Actually Matter

Traditional payment processors charge 2.5-3.5%. That's $15,000 annually on $500,000 in sales.

NOWPayments and CoinPayments? Around $5,000.

Larecoin? Under $2,000.

At 0.4% base fees, you're looking at roughly 50% savings compared to other crypto processors. That's money back in your pocket. Every single transaction.

Full Self-Custody

This is non-negotiable in 2026.

With Larecoin, you control your funds. Period. No custodial middleman. No withdrawal delays. No "your account has been flagged" surprises.

Your crypto goes directly to your wallet. You decide when and how to move it. That's true financial sovereignty for your business.

Near-Instant Processing

Five minutes? Hours? In e-commerce, that's a lifetime.

Larecoin processes transactions near-instantly. Customer pays. You receive. Done.

No awkward waiting. No "please hold while we confirm" messages. Smooth checkout experiences mean higher conversion rates.

NFT Receipts: A Game-Changer Nobody Talks About

Here's something neither NOWPayments nor CoinPayments offers. NFT receipts.

Every transaction on Larecoin generates an immutable receipt stored on-chain. Why does this matter?

For Accounting:

• Permanent, tamper-proof records

• Easy audit trails

• No lost receipts. Ever.

For Customer Trust:

• Verifiable proof of purchase

• Dispute resolution becomes straightforward

• Premium brand perception

For Returns and Warranties:

• Customers can prove purchase without paper receipts

• Streamlined return processes

• Warranty verification on-chain

This isn't a gimmick. It's infrastructure for the future of commerce. Your customers will expect this. Get ahead of the curve now.

LUSD: Your Shield Against Volatility

Crypto volatility scares small business owners. Rightfully so. You sell a $100 product. Bitcoin drops 10% overnight. You're left with $90.

LUSD solves this.

Larecoin's native stablecoin lets you receive payments and instantly convert to a dollar-pegged asset. No exchange accounts. No manual conversions. Automatic stability.

Your books stay clean. Your margins stay protected. Sleep at night knowing tomorrow's coffee won't cost your profits.

Check out our merchant solutions for full LUSD integration details.

US Compliance: We Did The Hard Work

Let's talk about the elephant in the room. Regulatory compliance.

Many crypto payment processors operate in gray areas. They're based offshore. They avoid US regulations. That's a ticking time bomb for your business.

Larecoin's approach is different:

• Money Services Business (MSB) registration with FinCEN

• State Money Transmitter License (MTL) strategy for comprehensive coverage

• Designed for US small businesses from day one

• Transparent compliance documentation

When regulators come knocking: and they will: you want to be on the right side. Larecoin provides that peace of mind.

Which Platform Is Right For You?

Choose NOWPayments if:

• You need to accept 300+ obscure tokens

• Technical setup doesn't scare you

• Processing speed isn't critical

Choose CoinPayments if:

• Legacy stability matters more than innovation

• You're comfortable with custodial solutions

• Maximum token variety is your priority

Choose Larecoin if:

• Fee reduction directly impacts your survival

• Self-custody is non-negotiable

• You want modern features like NFT receipts

• US compliance keeps you up at night

• LUSD volatility protection sounds amazing

For most small businesses in 2026, the choice is clear.

The Bottom Line

Traditional payment processors are bleeding you dry. Legacy crypto solutions? Better, but not good enough.

The Web3 economy rewards those who move first. Lower fees. Self-custody. NFT receipts. LUSD stability. US compliance.

That's not a feature list. That's a competitive advantage.

Your customers are already holding crypto. Meet them where they are.

Ready to make the switch?

Set up your Larecoin merchant account and start accepting crypto payments today. Your bottom line will thank you.

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This post is part of Larecoin's 10-Year Blog Marathon. Stay tuned for more deep dives into Web3 payments, merchant solutions, and the future of decentralized commerce.