Larecoin Vs NOWPayments Vs CoinPayments: Which Crypto POS System Is Better For Your Small Business?

Small business owners are tired of watching profits vanish into payment processor fees.

Traditional card processing? That's 2.5% to 3.5% gone on every single transaction. Crypto payment solutions promise relief. But not all platforms deliver equally.

Let's break down three major crypto POS contenders: Larecoin, NOWPayments, and CoinPayments. You'll see exactly why one stands above the rest for merchants who want real financial sovereignty.

The Crypto POS Landscape in 2026

Web3 payments have matured. Customers increasingly want to pay with crypto. Smart merchants are listening.

The question isn't whether to accept crypto anymore. It's which platform gives you the best deal without compromising on control.

Here's the reality: Most crypto payment processors still operate like traditional middlemen. They hold your funds. They dictate terms. They charge more than they should.

Time to examine the alternatives.

Quick Platform Overview

NOWPayments

Established player in the space. Supports 250+ cryptocurrencies. Web-based POS terminal with no hardware costs.

Key stats:

• 0.5% fee for single-currency payments

• 1% for multi-currency or conversion payments

• Non-custodial service

• 24/7 customer support

Decent option. But there's room for improvement.

CoinPayments

One of the oldest crypto payment gateways. Claims to support 2,000+ cryptocurrencies. Popular among e-commerce merchants.

Key stats:

• 0.5% flat transaction fee

• Custodial wallet system

• Multiple plugin integrations

• Conversion fees apply for fiat withdrawals

Wide coin support sounds impressive. Until you realize it creates complexity without real value.

Larecoin

The next-generation Web3 payments ecosystem. Built for merchants who demand more than just processing.

Key stats:

• Up to 50%+ reduction in interchange fees

• True self-custody architecture

• NFT receipt technology

• LUSD stablecoin integration

• Gas-only transfer capabilities

Now let's dig deeper.

Fee Comparison: Where Your Money Actually Goes

This is where it gets interesting.

Traditional card processing: 2.5%-3.5% per transaction. For a business doing $100,000 monthly? That's $2,500-$3,500 gone. Every. Single. Month.

NOWPayments: 0.5%-1% depending on setup. Better. But fiat conversion adds another 1.5%-2.3%. Suddenly that "low fee" platform isn't so cheap.

CoinPayments: 0.5% base fee. Plus conversion fees. Plus potential withdrawal delays. The costs stack up.

Larecoin: Slashes merchant interchange fees by 50% or more compared to traditional processors. The LUSD stablecoin eliminates conversion volatility. Gas-only transfers mean minimal overhead.

Do the math on a $100,000 monthly volume:

• Traditional processing: ~$3,000 in fees

• NOWPayments with conversions: ~$1,500-$2,500

• CoinPayments with conversions: ~$1,500-$2,000

• Larecoin: Dramatically lower total cost

The savings compound. Monthly. Yearly. Forever.

Self-Custody: Who Actually Controls Your Money?

Here's where most merchants get burned.

Custodial platforms hold your funds. They process when they want. They release when they decide. Your money sits in their wallets.

CoinPayments uses custodial wallets. Your crypto isn't really yours until you withdraw it. And withdrawals? Subject to their terms and timing.

NOWPayments claims non-custodial status. Funds transfer to your wallet after processing. Better approach. But you're still routing through their system first.

Larecoin built true self-custody from day one. Transactions settle directly to merchant wallets. No intermediary holding periods. No "processing times" that mysteriously extend during market volatility.

Financial sovereignty isn't a buzzword at Larecoin. It's architecture.

Your keys. Your crypto. Your business.

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

This is where Larecoin breaks away from the pack entirely.

Neither NOWPayments nor CoinPayments offer anything like this.

What are NFT receipts?

Every transaction generates a blockchain-verified, immutable receipt as an NFT. Stored permanently. Tamper-proof. Instantly verifiable.

Why this matters for small businesses:

• Tax compliance simplified. Every transaction permanently recorded on-chain. Auditors love verifiable records.

• Dispute resolution. Customer claims they paid? The NFT receipt proves everything.

• Inventory tracking. Link receipts to specific products. Build automatic sales analytics.

• Customer loyalty. Receipts can carry embedded rewards, discounts, or membership benefits.

Traditional paper receipts fade. Digital receipts get deleted. NFT receipts exist forever on the blockchain.

This isn't gimmick technology. It's practical innovation that solves real merchant problems.

LUSD Stablecoin: Stability Meets Sovereignty

Crypto volatility terrifies most merchants. Understandably.

Accept Bitcoin today. Watch it drop 10% by tomorrow. That's not a business model: it's gambling.

Standard solutions have problems:

NOWPayments and CoinPayments offer instant fiat conversion. Great concept. But conversion fees eat into margins. And you're trusting third parties to execute at fair rates.

Larecoin's LUSD stablecoin changes everything.

LUSD maintains dollar-pegged stability within the Larecoin ecosystem. Merchants receive payment in a stable asset. No conversion required. No volatility exposure.

Key advantages:

• Immediate value certainty

• No third-party conversion fees

• Seamless integration with Larecoin merchant tools

• Self-custody maintained throughout

Price your products in dollars. Receive LUSD. Know exactly what you're getting. Simple.

Integration and Setup: Getting Started Fast

Small business owners don't have time for complex integrations.

NOWPayments: Claims setup in under a minute. Web-based terminal. No hardware investment needed. Fair enough: they've simplified the process.

CoinPayments: Multiple plugins available. WordPress, Shopify, WooCommerce support. But the custodial model complicates things when you want to actually use your funds.

Larecoin:Contactless POS system designed for real-world merchant use. Merchant portal for complete transaction management. Smart wallet integration. AI-powered search and analytics.

The difference? Larecoin built an entire ecosystem, not just a payment button.

The Verdict: Which Platform Wins?

Let's be direct.

Choose NOWPayments if: You want a quick crypto payment addition to existing operations and don't mind conversion fees eating your margins.

Choose CoinPayments if: You need wide coin support and don't care about true self-custody or innovative features.

Choose Larecoin if: You want the complete package: dramatically lower fees, true financial sovereignty, NFT receipts for bulletproof record-keeping, and stablecoin stability without conversion costs.

The Bottom Line for Small Business Owners

Payment processing shouldn't drain your profits.

You shouldn't need permission to access your own money.

Your records should be permanent and verifiable.

Larecoin delivers on all three. NOWPayments and CoinPayments? They're improvements over traditional processing. But they're still playing by old rules.

Web3 payments deserve Web3 architecture. Larecoin built it.

The 10-year blog marathon continues. We're committed to merchant growth and financial sovereignty for the long haul.

Ready to slash your interchange fees by 50% or more?

Want NFT receipts protecting every transaction?

Demand true self-custody for your business?

Explore what Larecoin offers and see why small businesses are making the switch.

Your profits. Your control. Your future.

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This post is part of Larecoin's 10-year blog marathon: dedicated to educating merchants on Web3 payments and building financial sovereignty for businesses worldwide.