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

Small business owners are done with legacy payment systems. Credit card interchange fees eating into margins. Third-party processors holding funds hostage. Zero transparency.

Web3 payments fix this.

But which crypto POS system actually delivers? Let's break down Larecoin, NOWPayments, and CoinPayments. Head to head. No fluff.

Your bottom line depends on getting this right.

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The Real Cost of Payment Processing in 2026

Traditional card processing bleeds small businesses dry. We're talking 2.5% to 3.5% per transaction. Sometimes higher.

Do the math on $100,000 in annual sales. That's $2,500 to $3,500 gone. Every year. Just in fees.

Crypto POS systems promise a better deal. But not all platforms are created equal.

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NOWPayments: The Popular Pick

NOWPayments has name recognition. Fair enough.

Here's what you get:

• 0.5% transaction fee for single-currency payments

• 1% fee when converting between cryptocurrencies

• 300+ supported cryptocurrencies

• 5-minute average transaction time

• Non-custodial service

• No integration fees

Sounds decent on paper.

The catches:

• Fee structures get complicated fast with multi-currency setups

• No native stablecoin solution

• Limited merchant-specific features

• No NFT receipt functionality

• Standard Web2 approach wrapped in crypto branding

For basic crypto acceptance? NOWPayments works. For actual business growth tools? It falls short.

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CoinPayments: The Budget Option

CoinPayments markets itself as cost-effective.

The basics:

• Transaction fees starting at 0.4%

• Option to pass fees to customers

• Multi-cryptocurrency support

The reality check:

• Dated interface

• Slower innovation cycle

• No self-custody emphasis

• Missing advanced merchant features

• No stablecoin integration built for commerce

CoinPayments handles transactions. That's about it.

Neither platform addresses what small businesses actually need in 2026: financial sovereignty, fee reduction at scale, and tools that grow with you.

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Larecoin: Built Different for Small Business

Larecoin isn't just another payment processor. It's a complete Web3 payments ecosystem designed with merchants in mind.

The headline feature: Slash your interchange fees by 50% or more.

That's not marketing speak. That's the architecture.

How Larecoin Stacks Up

Feature	Larecoin	NOWPayments	CoinPayments
Fee Reduction	50%+ savings	0.5-1% flat	0.4%+
Self-Custody	Native	Partial	Limited
NFT Receipts	Yes	No	No
Native Stablecoin (LUSD)	Yes	No	No
Gas-Only Transfers	Yes	No	No
Merchant Portal	Advanced	Basic	Basic
Push-to-Card	Yes	No	No

The difference is clear.

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Why Self-Custody Matters for Your Business

Here's the uncomfortable truth about most crypto payment processors.

They hold your funds. They control access. They decide when you get paid.

Sound familiar? That's the same problem you had with traditional processors.

Larecoin flips this model.

True self-custody means your crypto stays in your wallet. Not sitting on someone else's platform. Not subject to their terms of service changes. Not at risk if they get hacked.

Your money. Your keys. Your business.

This isn't philosophical. It's practical. In 2025, major platforms froze merchant accounts with zero warning. Businesses lost access to operating capital overnight.

Self-custody eliminates that risk entirely.

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LUSD Stablecoin: Volatility Problem Solved

Crypto volatility scares merchants. Understandable.

You accept $100 in Bitcoin. Tomorrow it's worth $85. Or $120. Unpredictable.

LUSD changes the game.

Larecoin's native stablecoin gives you:

• Price stability pegged to the dollar

• Instant settlement

• Zero conversion anxiety

• Seamless integration with Larecoin POS

• Gas-only transfer capabilities

Accept crypto payments. Receive stable value. No spreadsheet gymnastics required.

NOWPayments and CoinPayments force you into third-party stablecoin solutions. Extra steps. Extra fees. Extra friction.

LUSD is native. Built-in. Ready to go.

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NFT Receipts: The Feature You Didn't Know You Needed

Traditional receipts are digital waste. Buried in email folders. Lost in transaction logs.

NFT receipts transform customer relationships.

Every Larecoin transaction can mint an NFT receipt. Here's why that matters:

For customers:

• Permanent proof of purchase

• Easy warranty claims

• Collectible transaction history

• Resale verification for high-value items

For merchants:

• Direct customer engagement channel

• Loyalty program integration

• Secondary market royalties

• Brand differentiation

A coffee shop using NFT receipts creates a collectible experience. A boutique creates verifiable authenticity for products. A service provider creates indisputable service records.

Neither NOWPayments nor CoinPayments offers anything close to this.

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The Interchange Fee Breakdown

Let's get specific about savings.

Traditional credit card processing:

• Visa/Mastercard interchange: 1.5% - 2.4%

• Processor markup: 0.3% - 0.5%

• Assessment fees: 0.13% - 0.15%

• Total: 2% - 3%+

Larecoin processing:

• Network fees: Minimal (gas-only)

• No interchange

• No assessment fees

• Total savings: 50%+ compared to traditional

On $500,000 annual revenue, that's $5,000 to $7,500 back in your pocket. Every year.

Reinvest in inventory. Hire staff. Expand marketing. Your choice.

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Setting Up Larecoin POS for Your Business

Getting started takes minutes, not days.

Step 1: Create your merchant account at Larecoin

Step 2: Connect your self-custody wallet

Step 3: Configure your POS preferences

Step 4: Start accepting payments

No lengthy approval processes. No mountains of paperwork. No waiting weeks for activation.

The merchant portal gives you real-time analytics, transaction history, and customer insights. Everything in one dashboard.

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Which Platform Wins for Small Business?

Choose NOWPayments if:

• You only need basic crypto acceptance

• Multi-currency flexibility is your priority

• You're comfortable with custodial solutions

Choose CoinPayments if:

• Budget is your only consideration

• You want to pass fees to customers

• Advanced features aren't important

Choose Larecoin if:

• Cutting fees by 50%+ matters

• Self-custody is non-negotiable

• NFT receipts add value to your business

• Stablecoin integration simplifies operations

• You want a platform built for growth

The verdict? For small businesses serious about financial sovereignty and sustainable margins, Larecoin delivers what competitors can't.

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Ready to Upgrade Your Payment Stack?

Traditional payment processing had its time. That time is over.

Web3 payments offer small businesses real advantages. But only if you choose the right platform.

Larecoin combines fee savings, self-custody, stablecoin stability, and innovative features like NFT receipts into one cohesive system.

NOWPayments and CoinPayments process transactions. Larecoin builds businesses.

Your next step: Visit Larecoin and set up your merchant account. Join the Larecoin Community to connect with other merchants making the switch.

The future of payments is here. Your small business deserves to be part of it.