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

Choosing a crypto POS system feels overwhelming.

Too many options. Hidden fees. Confusing custody models.

Small business owners deserve clarity. You need a solution that saves money, keeps you in control, and actually works for your day-to-day operations.

Let's break down three major players: Larecoin, NOWPayments, and CoinPayments. No fluff. Just the facts you need to make the right call.

The Stakes: Why Your Crypto POS Choice Matters

Every transaction counts when you're running a small business.

Pick the wrong payment processor? You're bleeding fees. Losing custody of your funds. Missing out on innovative features that could set you apart from competitors.

The crypto payments space is evolving fast. Some platforms are still stuck in 2020. Others are building the future.

Here's how these three stack up.

Larecoin: The Decentralized Disruptor

Built for merchant freedom.

Larecoin isn't just another payment processor. It's an entire ecosystem designed around one core principle: you own your money.

Fee Structure

• 0% processing fees on LUSD stablecoin transactions

• Minimal gas fees on Solana blockchain

• No hidden conversion charges

• No monthly subscription costs

Self-Custody Model

Your crypto stays in YOUR wallet. Period.

Larecoin operates on a true self-custody framework. Funds never sit on a centralized server waiting to be hacked or frozen. The moment a customer pays, you receive it directly.

No intermediaries. No permission needed.

NFT Receipts: A Game-Changer

Here's where Larecoin pulls ahead.

Every transaction can generate an NFT receipt: a permanent, verifiable record on the blockchain. This isn't gimmicky. It's revolutionary for:

• Tax documentation

• Dispute resolution

• Customer loyalty programs

• Proof of purchase for high-value items

No other crypto POS offers this out of the box.

LUSD Stablecoin Integration

Volatility kills merchant adoption. Larecoin solved this with LUSD.

Accept crypto payments. Settle in a dollar-pegged stablecoin. Sleep easy knowing your revenue won't swing 10% overnight.

LUSD is native to the Larecoin ecosystem. Seamless. Fast. Zero conversion headaches.

The Verdict on Larecoin

Best for: Merchants who want complete independence, zero custody risk, and innovative features like NFT receipts.

Explore Larecoin's ecosystem

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NOWPayments: The Multi-Currency Workhorse

NOWPayments has been around the block. Literally.

What They Offer

• Support for 300+ cryptocurrencies

• Web-based POS terminal

• QR code payments

• Non-custodial payouts

Fee Structure

• 0.5% for single-currency payments

• 1% for multi-currency or conversion payments

• Volume discounts kick in at 50+ BTC monthly turnover

Not bad. But those percentages add up fast for high-volume merchants.

The Catch

NOWPayments shines on cryptocurrency variety. Want to accept Dogecoin? They've got you. Shiba Inu? Sure.

But here's the trade-off:

• No native stablecoin solution

• No NFT receipt functionality

• Complex fee tiers

• Customer selects crypto (can create checkout friction)

Setup Experience

Quick account creation. Under a minute, they claim.

No integration fees upfront. Decent documentation for developers.

The Verdict on NOWPayments

Best for: Merchants who want maximum crypto variety and don't mind paying 0.5-1% per transaction.

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CoinPayments: The Legacy Player

CoinPayments has been processing crypto since 2013. That's ancient in blockchain years.

What They Offer

• Support for 2,000+ cryptocurrencies

• Shopping cart plugins for major platforms

• Vault storage option

• Multi-coin wallet

Fee Structure

• 0.5% flat fee on incoming payments

• Additional fees for conversions

• Withdrawal fees vary by coin

The Catch

Legacy systems come with legacy problems.

• Custodial by default. Your funds sit on their servers.

• Complex withdrawal processes

• Dated user interface

• Limited innovation in recent years

The 2,000+ coin support sounds impressive. But how many of those coins do your customers actually use? Most merchants need 10-20 options max.

Security Concerns

Custodial wallets are honeypots. CoinPayments holds the keys. You trust them not to get hacked, go bankrupt, or freeze your account.

That's a big ask in 2026.

The Verdict on CoinPayments

Best for: Merchants comfortable with custodial solutions who need broad crypto support and established integrations.

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Head-to-Head: The Real Comparison

Feature	Larecoin	NOWPayments	CoinPayments
Processing Fees	0% (LUSD)	0.5-1%	0.5%+
Self-Custody	✅ Full	✅ Partial	❌ Custodial
NFT Receipts	✅ Yes	❌ No	❌ No
Native Stablecoin	✅ LUSD	❌ No	❌ No
Coins Supported	Solana ecosystem	300+	2,000+
Setup Complexity	Low	Low	Medium
Merchant Freedom	Maximum	Moderate	Limited

Fee Savings: Let's Do The Math

Imagine you process $10,000/month in crypto payments.

With NOWPayments (0.5%): $50/month in fees = $600/year

With CoinPayments (0.5%+): $50+/month = $600+/year

With Larecoin (0% on LUSD): $0 in processing fees = $0/year

That's $600+ back in your pocket. Every single year.

Scale to $50,000/month? You're saving $3,000+ annually with Larecoin.

Small businesses can't afford to leak revenue on unnecessary fees.

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Why Self-Custody Matters More Than Ever

The crypto industry learned hard lessons from exchange collapses.

When a centralized entity holds your funds, you're exposed to:

• Bankruptcy risk

• Regulatory seizure

• Platform hacks

• Arbitrary account freezes

Self-custody eliminates all of this.

Larecoin's architecture means your funds flow directly to your wallet. No middleman holding your revenue hostage.

NOWPayments offers non-custodial payouts: a step in the right direction. But CoinPayments? Still operating on an outdated custodial model.

In 2026, there's no excuse for giving up control of your money.

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

Traditional receipts are paper. Or PDFs. Both easily lost, forged, or disputed.

NFT receipts from Larecoin are:

• Immutable : Can't be altered after creation

• Verifiable : Anyone can confirm authenticity on-chain

• Permanent : Stored on blockchain forever

• Programmable : Can include warranty info, loyalty points, or unlock future perks

Imagine a customer claiming they never received an item. Pull up the NFT receipt. Transaction timestamp. Wallet addresses. Done.

This isn't future tech. It's available now.

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The Bottom Line: Which Should You Choose?

Choose NOWPayments if:

• You need to accept 300+ different cryptocurrencies

• You're okay with 0.5-1% fees

• Multi-currency flexibility is your priority

Choose CoinPayments if:

• You need legacy integrations with older e-commerce platforms

• You trust custodial solutions

• Coin variety over security is your preference

Choose Larecoin if:

• You want 0% processing fees on stablecoin payments

• Self-custody and merchant freedom matter to you

• NFT receipts and LUSD settlement appeal to your business model

• You're ready for the next generation of crypto payments

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Ready to Take Control?

The crypto POS market is crowded. But not all solutions are created equal.

Larecoin is building something different. A system where merchants keep their fees. Control their funds. And access innovative tools like NFT receipts that competitors can't match.

Your small business deserves independence.

Join the Larecoin community and see what decentralized payments can do for your bottom line.