Larecoin vs NOWPayments vs CoinPayments: Which Crypto POS System Is Better for Your Small Business?

Running a small business in 2026. You've got razor-thin margins. Credit card processors eating 3-4% of every sale. Chargebacks. Fraud. The headaches never stop.

Enter crypto payments.

But here's the thing: not all crypto POS systems are created equal. Some will save you money. Others will just trade one set of problems for another.

Today, we're breaking down three major players: Larecoin, NOWPayments, and CoinPayments. Which one actually delivers for small business owners?

Let's find out.

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The Small Business Payment Problem

Traditional payment processing is broken.

Interchange fees. Processing fees. Monthly fees. PCI compliance fees. The list goes on.

Small businesses lose thousands annually just to accept payments. That's money that could go toward inventory, marketing, or: wild idea: profit.

Crypto POS systems promise a way out. Lower fees. Faster settlements. No chargebacks.

But the devil's in the details.

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Quick Overview: The Three Contenders

NOWPayments

Solid option. Been around since 2019. Supports 300+ cryptocurrencies. Easy integrations with Shopify, WooCommerce, and other e-commerce platforms.

Pros:

• Web-based POS terminal

• Auto-conversion to stablecoins

• 175+ countries supported

• No-code payment widgets

Cons:

• Limited analytics for scaling businesses

• Basic customization options

• Third-party custody

CoinPayments

One of the OGs. Launched way back in 2013. Handles multiple cryptocurrencies and offers merchant tools.

Pros:

• Long track record

• Multi-coin vault

• Shopping cart plugins

Cons:

• Interface feels dated

• Customer support inconsistencies

• Fees add up on smaller transactions

Larecoin

The new challenger. Built specifically for the Web3 era with a complete ecosystem: LarePAY, LUSD stablecoin, LareBlocks infrastructure, and the Larecoin Smart Wallet.

Pros:

• 50% lower fees than legacy systems

• True self-custody

• NFT receipts for tax/accounting

• QR-generated POS

• Gas-only transfers

Cons:

• Newer to market (but growing fast)

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Fee Comparison: Where Your Money Actually Goes

This is where it gets interesting.

Traditional credit card processing: 2.5-3.5% per transaction + monthly fees + equipment costs.

NOWPayments: 0.5-1% depending on volume. Competitive, but fees still exist.

CoinPayments: 0.5% base fee. Additional fees for conversions and withdrawals.

Larecoin: Gas-only transfers. No interchange fees. We're talking about slashing costs by 50% compared to legacy payment systems.

Read that again.

Fifty percent savings.

For a small business doing $100K annually in sales, that's potentially $1,500-2,000 back in your pocket. Every single year.

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Self-Custody: Who Actually Controls Your Money?

Here's a question most merchants don't ask until it's too late: Who holds your crypto?

With NOWPayments and CoinPayments, your funds typically sit in their custody until you withdraw. That's a third-party risk. Exchanges get hacked. Companies go bankrupt. History has shown us this repeatedly.

Larecoin takes a different approach.

The Larecoin Smart Wallet gives you true self-custody. Your keys. Your crypto. Your control.

No waiting for withdrawals. No custody risk. No middleman sitting between you and your revenue.

For small business owners who've watched crypto exchanges implode over the years, this isn't just a feature. It's peace of mind.

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POS Experience: How Customers Actually Pay

Let's talk about the checkout experience.

NOWPayments offers a web-based POS terminal. Enter the fiat amount, select crypto, generate QR code, customer scans. Simple enough for brick-and-mortar stores.

CoinPayments has similar functionality but with an interface that feels like it's stuck in 2015.

Larecoin's QR-generated POS streamlines everything. Fast. Clean. Modern.

But here's the real innovation:

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NFT Receipts: The Game-Changer Nobody's Talking About

Tax season. Accounting. Reconciliation.

Every small business owner's favorite activities, right?

Traditional receipts get lost. Digital receipts end up buried in email. Spreadsheets become nightmares.

Larecoin introduces NFT receipts.

Every transaction generates an immutable, blockchain-verified receipt. Stored permanently. Easily searchable. Instantly shareable with your accountant.

No more digging through paperwork. No more "I think I have that receipt somewhere." Just clean, organized, verifiable transaction records.

NOWPayments? Standard receipts. CoinPayments? Standard receipts. Larecoin? The future of business accounting.

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Stablecoin Options: Avoiding Volatility

Crypto volatility scares merchants. Understandably.

You sell a product for $100 in Bitcoin. By the time you convert, it's worth $85. Ouch.

All three platforms offer stablecoin options:

NOWPayments: Auto-converts to USDT, USDC, or other stablecoins. Works well.

CoinPayments: Supports stablecoins but conversion process is clunkier.

Larecoin: Native LUSD stablecoin integration. Seamless. Built into the ecosystem from day one.

With LUSD, there's no third-party stablecoin risk. No wondering if your stablecoin issuer is actually backed 1:1. It's designed specifically for the Larecoin payment ecosystem.

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Integration & Ecosystem

NOWPayments integrates with major e-commerce platforms easily. Shopify, WooCommerce, Magento, PrestaShop. If you're running an online store, setup takes minutes.

CoinPayments offers similar integrations but with more manual configuration required.

Larecoin goes beyond simple payment processing. The full ecosystem includes:

• LarePAY – Merchant payment portal

• LareBlocks – Infrastructure layer

• Smart Wallet – Self-custody solution

• NFT receipts – Accounting innovation

• Push to card – Instant fiat off-ramps

It's not just a payment processor. It's a complete financial infrastructure for Web3 commerce.

Check out the full ecosystem

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Global Reach & Compliance

NOWPayments: 175+ countries. 25+ fiat currencies. Solid global coverage.

CoinPayments: Wide international support but compliance varies by region.

Larecoin: Built with US regulatory foundations. Designed for compliant, global commerce from the start.

For small businesses worried about staying on the right side of regulations, Larecoin's compliance-first approach matters.

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The Verdict: Which Should You Choose?

Choose NOWPayments if:

• You need quick setup with existing e-commerce platforms

• 300+ crypto options matter to you

• You're okay with third-party custody

Choose CoinPayments if:

• You want an established provider with a long track record

• Basic multi-coin functionality is enough

• You don't mind an older interface

Choose Larecoin if:

• Cutting fees by 50% is a priority

• You want true self-custody

• NFT receipts for accounting sounds brilliant

• You're building for the Web3 future

• You value a complete ecosystem over piecemeal solutions

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Final Thoughts

Small business margins are tight. Every percentage point matters.

NOWPayments and CoinPayments are decent options. They've helped merchants accept crypto for years.

But Larecoin is built different.

Lower fees. Self-custody. NFT receipts. Native stablecoin. Complete ecosystem.

It's not just about accepting crypto. It's about building a smarter financial foundation for your business.

Ready to slash your payment processing costs?

Explore Larecoin today

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The crypto payments landscape is evolving fast. Larecoin is leading the charge.