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

Small business owners are tired.

Tired of watching 2.5–3.5% disappear from every sale. Tired of chargebacks. Tired of waiting days for settlement.

Crypto POS systems fix this. But which one?

Three platforms dominate the conversation: Larecoin, NOWPayments, and CoinPayments. Each promises lower fees and faster payments. But the differences matter.

Let's break it down.

The Fee Problem Nobody Talks About

Traditional payment processors bleed small businesses dry.

Process $100,000 monthly? You're losing $2,500–$3,500 annually to interchange fees alone. That's rent money. Payroll. Inventory.

Crypto payments change the equation. But not all crypto POS systems are created equal.

Here's the reality:

• NOWPayments: 0.5–1% processing fees. No payout fees.

• CoinPayments: Flat 0.5% rate.

• Larecoin: Claims 50%+ reduction compared to legacy systems.

Run the numbers. A business doing $100K monthly saves $2,500–$3,500 yearly by switching from traditional processors to Larecoin. That's real money back in your pocket.

Feature-by-Feature Breakdown

Words are cheap. Let's compare specs.

Feature	NOWPayments	CoinPayments	Larecoin
Cryptocurrencies	150+	Not specified	Optimized selection
Custody Model	Non-custodial	Custodial	Self-custody via Smart Wallet
POS Hardware	Not required	Optional	QR-based (no hardware)
Stablecoin	Third-party	Third-party	Native LUSD
NFT Receipts	❌	❌	✅
Setup Complexity	High	Low	Low

See the pattern?

NOWPayments wins on token variety. CoinPayments wins on simplicity. But Larecoin wins where it counts: fees, custody, and innovation.

The Custody Question: Who Holds Your Money?

This is where things get serious.

CoinPayments operates a custodial model. They generate wallets for you. They hold your funds. You don't control the private keys.

Translation: Not your keys, not your crypto.

NOWPayments takes a non-custodial approach. Funds transfer directly to your merchant wallet. Better. But still relies on their infrastructure.

Larecoin goes further with true self-custody via the Smart Wallet system. You hold the keys. You control the funds. Zero counterparty risk.

In Web3, self-custody isn't a feature. It's a requirement.

Why? Because history shows what happens when centralized platforms hold your assets. Exchanges collapse. Funds freeze. Withdrawals halt.

Small businesses can't afford that risk.

NFT Receipts: The Accounting Game-Changer

Here's something neither NOWPayments nor CoinPayments offer.

NFT receipts.

Every transaction on Larecoin generates an immutable, blockchain-verified receipt. Stored forever. Tamper-proof. Audit-ready.

Think about tax season. Think about disputes. Think about proving transaction history to your accountant.

Traditional receipts get lost. PDFs get corrupted. Paper fades.

NFT receipts don't.

They live on-chain. They're timestamped. They're verifiable by anyone, anytime.

For small businesses dealing with compliance headaches, this is massive. No more digging through email archives. No more "I swear we paid for that" conversations.

Just pull up the blockchain.

LUSD: The Stablecoin Advantage

Crypto volatility scares merchants. Fair.

Bitcoin can swing 10% in a day. Accepting payment in the morning, watching it drop by lunch: not ideal for cash flow planning.

NOWPayments and CoinPayments solve this by integrating third-party stablecoins. USDC. USDT. Standard stuff.

Larecoin takes a different approach with LUSD: a native stablecoin built specifically for the ecosystem.

Why does native matter?

Lower friction. No bridging between protocols. No additional conversion fees. No waiting for third-party settlement.

Tighter integration. LUSD works seamlessly with Larecoin's Smart Wallet, merchant portal, and POS system.

Predictable value. Set prices in LUSD. Receive payment in LUSD. No surprises.

Volatility problem: solved.

Setup: How Fast Can You Start Accepting Crypto?

Time is money. Literally.

NOWPayments requires API integration for most use cases. You'll need technical resources or developer time. Setup complexity: high.

CoinPayments offers managed simplicity. Straightforward onboarding. Good for traditional retailers who want plug-and-play.

Larecoin combines simplicity with power. QR-based checkout. No hardware required. Your smartphone becomes your POS terminal.

Scan. Accept. Done.

Visit the Larecoin merchant portal and you're operational in minutes. No SDK integration headaches. No hardware purchases. No IT department required.

Who Should Use What?

Different platforms for different priorities.

Choose NOWPayments If:

• You need access to 150+ cryptocurrencies

• Your customers pay in obscure altcoins

• You have technical resources for API integration

• Token flexibility matters more than fee savings

Choose CoinPayments If:

• You're a traditional retailer wanting managed simplicity

• You don't mind custodial solutions

• Quick setup trumps maximum control

• Basic crypto acceptance is enough

Choose Larecoin If:

• Fee reduction is your primary goal

• Self-custody is non-negotiable

• You want NFT receipts for bulletproof accounting

• Native stablecoin (LUSD) appeals to you

• You value simplicity AND sovereignty

The Financial Sovereignty Argument

Let's zoom out.

Crypto payments aren't just about saving on fees. They're about ownership.

Traditional payment systems put intermediaries between you and your revenue. Banks. Processors. Networks. Each taking a cut. Each adding rules. Each capable of freezing your account.

Web3 flips this.

Self-custody means you control your business income. Blockchain settlement means no chargebacks on confirmed transactions. Decentralization means no single point of failure.

Larecoin was built on this philosophy. Not just lower fees: financial sovereignty for merchants.

Check out the Larecoin Economics forum for deeper dives into how this works.

The Verdict

All three platforms beat traditional payment processors. That's table stakes.

But for small businesses? The choice gets clearer.

NOWPayments excels if you're running a crypto-native operation needing maximum token variety. Solid platform. Higher complexity.

CoinPayments works for retailers wanting managed simplicity. Custodial model is the trade-off.

Larecoin wins for small businesses prioritizing:

• 50%+ fee reduction

• True self-custody

• NFT receipts for clean accounting

• Native LUSD stablecoin

• Zero hardware requirements

The smartest small businesses are moving to self-custody crypto payments. The question isn't if: it's when.

Ready to Switch?

Stop losing money to interchange fees.

Stop trusting third parties with your revenue.

Start accepting crypto the right way.

Visit larecoin.com to set up your merchant account. Join the conversation in our official announcements forum for the latest updates.

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

Web3 payments are here. Larecoin makes them easy.