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

Welcome back to the Larecoin 10-Year Blog Marathon.

Today's mission? Breaking down the crypto POS landscape.

Small businesses are waking up. Traditional payment processors are bleeding them dry. Credit card fees. Chargebacks. Slow settlements. The pain is real.

Crypto payments fix this. But which platform actually delivers?

Let's pit three major players against each other: Larecoin, NOWPayments, and CoinPayments.

No fluff. Just facts.

The Fee Problem Nobody Talks About

Here's the brutal truth.

Traditional payment processors charge 2.5-3.5% per transaction. For a business doing $500,000 annually? That's $12,500 to $17,500 vanishing into thin air.

Every. Single. Year.

Crypto payment platforms promise lower fees. But the devil's in the details.

Platform	Processing Fees	Annual Cost at $500K Volume
Traditional Processors	2.5-3.5%	$12,500-$17,500
NOWPayments	0.5-1%	$2,500-$5,000
CoinPayments	0.5-1%	$2,500-$5,000
Larecoin	Network fees only	Under $2,000

See the difference?

NOWPayments and CoinPayments slash your costs significantly. But Larecoin's gas-only model takes it further. We're talking 70-80% savings compared to credit cards.

That's money staying in your pocket. Not feeding intermediaries.

NOWPayments: The Multi-Coin Veteran

NOWPayments has been around. They've built credibility.

What they do well:

• 300+ cryptocurrencies supported

• 5-minute average processing speed

• Customizable network fee options

• Decent e-commerce plugins

For businesses wanting broad cryptocurrency acceptance, NOWPayments delivers. Their integration options work for most popular platforms.

The downsides?

You're still paying percentage-based fees. Your funds route through their infrastructure. Settlement isn't instant.

And self-custody? Not really their thing.

CoinPayments: The Legacy Player

CoinPayments pioneered this space. They've processed billions in transactions.

What they offer:

• 40+ cryptocurrencies supported

• Optional hardware support

• Platform stability from years of operation

• Basic merchant tools

Legacy platforms have advantages. Stability. Proven track records. Community trust.

The limitations?

Fewer supported currencies than NOWPayments. Same percentage-based fee model. Traditional custody approach.

Both platforms solve part of the problem. Neither solves all of it.

Larecoin: The Web3-Native Solution

This is where things get interesting.

Larecoin wasn't built to copy existing payment processors. We built it to replace them entirely.

Gas-only transfer model. No percentage fees. Just the minimal network costs to move value on Solana.

Sub-second finality. Solana's architecture means transactions confirm almost instantly. No waiting. No uncertainty.

Full self-custody. Your funds. Your wallet. Your control.

But we didn't stop there.

NFT Receipts: Immutable Transaction Records

Here's a feature neither NOWPayments nor CoinPayments offers.

NFT receipts.

Every Larecoin transaction can generate an NFT receipt. What does this mean for your business?

• Permanent proof of every sale

• Immutable records for accounting and taxes

• Customer engagement through collectible receipts

• Dispute resolution with blockchain-verified evidence

Your customers receive verifiable proof of purchase. On-chain. Forever.

Try getting that from a traditional credit card receipt.

For businesses navigating audits, tax season, or customer disputes, NFT receipts are game-changing. The blockchain doesn't forget. The blockchain doesn't lie.

LUSD: Stability Without Sacrifice

Cryptocurrency volatility scares merchants.

Accept $100 in Bitcoin. Watch it become $85 by morning.

That's a real problem. NOWPayments and CoinPayments address this through third-party stablecoin conversions. It works. But it adds complexity and fees.

Larecoin built LUSD directly into the ecosystem.

LUSD benefits for merchants:

• Pegged stability removes volatility concerns

• Native integration means zero conversion friction

• Same gas-only transfer model applies

• Instant settlement in stable value

Accept crypto. Hold stable value. Simple.

No third-party conversions. No extra fees. No volatility headaches.

Visit Larecoin's merchant portal to see LUSD integration in action.

Self-Custody: Why It Actually Matters

Let's talk about something most payment processors avoid discussing.

Who controls your money?

With NOWPayments and CoinPayments, funds route through their infrastructure. You trust them to release your funds. You depend on their uptime. You accept their terms.

This isn't inherently evil. It's the traditional model.

But self-custody changes everything.

With Larecoin:

• Payments flow directly to your wallet

• No intermediary holds your funds

• You maintain complete control

• No account freezes. No withdrawal limits. No permission needed.

Your business. Your money. Your rules.

For small businesses burned by frozen PayPal accounts or delayed settlements, self-custody isn't a feature. It's freedom.

US Compliance: Legitimacy Without Compromise

Here's where many crypto payment platforms stumble.

Regulatory uncertainty kills adoption. Businesses can't risk using platforms operating in legal gray zones.

Larecoin addresses this directly.

Our compliance strategy:

• Registered as a Money Services Business (MSB)

• Pursuing state Money Transmitter Licenses (MTL)

• Building infrastructure that regulators understand

• Proactive engagement with evolving frameworks

We're not hiding from regulation. We're building within it.

This matters for your business. Working with compliant platforms protects you. It signals legitimacy to customers. It future-proofs your payment infrastructure.

NOWPayments and CoinPayments operate globally with varying compliance approaches. Larecoin's US-focused strategy provides clarity for American businesses navigating these waters.

The QR-Based POS Advantage

Hardware costs money. Hardware breaks. Hardware needs updates.

Traditional POS systems require significant upfront investment. Even crypto-focused hardware solutions add complexity.

Larecoin's approach?

QR-based POS requiring zero hardware investment.

Your customer scans. Payment confirms. Done.

Works on any smartphone. Any tablet. Any device with a camera and internet.

No proprietary hardware. No monthly rental fees. No maintenance headaches.

Set up your Larecoin payment system in minutes. Start accepting crypto immediately.

Feature Comparison: The Full Picture

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Gas only
Cryptocurrencies	300+	40+	Growing ecosystem
Self-Custody	Limited	Limited	Full
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	LUSD
Hardware Required	Optional	Optional	None
Settlement Speed	Minutes	Minutes	Sub-second
US Compliance Focus	Varies	Varies	MSB + MTL strategy

Which Platform Wins?

It depends on what you prioritize.

Choose NOWPayments if:

• Maximum cryptocurrency variety is essential

• You're comfortable with percentage fees

• Basic payment processing meets your needs

Choose CoinPayments if:

• Platform longevity and stability matter most

• You prefer established solutions

• Hardware options appeal to you

Choose Larecoin if:

• Fee savings are critical

• Self-custody is non-negotiable

• NFT receipts excite you

• US compliance provides peace of mind

• You want Web3-native merchant tools

For small businesses serious about maximizing every dollar, minimizing intermediaries, and building on true Web3 infrastructure: Larecoin delivers what legacy platforms can't.

Ready to Switch?

The crypto payment landscape keeps evolving. Early adopters gain competitive advantages.

Lower fees mean higher margins. Faster settlements mean better cash flow. Self-custody means true ownership.

Explore the Larecoin ecosystem today.

Your small business deserves better than 3% transaction fees and three-day settlements.

The future of payments is here. The question is whether you're ready to embrace it.

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This post is part of the Larecoin 10-Year Blog Marathon. Follow along as we explore every corner of Web3 payments, decentralized finance, and the merchant revolution.