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

Small business owners are done with legacy payment processors bleeding them dry.

Interchange fees. Chargebacks. Settlement delays. The old system wasn't built for you.

Crypto POS systems promise a way out. But not all platforms deliver. NOWPayments, CoinPayments, and Larecoin each claim to solve your payment headaches. Only one actually does.

Let's break it down.

The Real Cost of Accepting Payments

Traditional card processors charge 2.5–3.5% per transaction. That's $12,500 annually on $500,000 in sales. Gone. Vanished into the pockets of middlemen.

Crypto payment gateways slash those numbers. But by how much?

NOWPayments: 0.5–1% processing fees CoinPayments: 0.5–1% processing fees Larecoin: Gas-only transfers

Here's where it gets interesting.

NOWPayments and CoinPayments still take a percentage cut. Small, sure. But it adds up. Processing $500,000 annually? That's roughly $2,500–$5,000 in fees.

Larecoin operates differently. No percentage-based fees. You pay network gas costs only. Same $500,000 volume? Under $2,000 in total costs.

That's a 50%+ reduction compared to other crypto gateways. And a 75%+ reduction compared to traditional processors.

The math is simple. Keep more of what you earn.

Custody: Who Actually Controls Your Money?

This is where most small business owners get burned.

CoinPayments is custodial. The platform holds your funds before releasing them. You're trusting a third party with your revenue. Sound familiar? It's the same model banks use.

NOWPayments offers flexibility. Non-custodial options exist, payments can go directly to your wallet. But many merchants still use their custodial features for convenience.

Larecoin is built on full self-custody. Every transaction flows directly from customer to merchant wallet. No intermediary holding your funds. No withdrawal delays. No "pending" status while someone else controls your money.

Self-custody isn't just a feature. It's financial sovereignty.

In Web3 payments, the entire point is removing middlemen. CoinPayments reintroduces them. NOWPayments gives you a choice. Larecoin eliminates them entirely.

Your business. Your wallet. Your rules.

Transaction Speed: Time Is Money

Speed matters. Customers don't wait. Neither should your cash flow.

Platform	Average Settlement Time
NOWPayments	~5 minutes
CoinPayments	Minutes to hours (variable)
Larecoin	Sub-second finality

NOWPayments performs reasonably well. Five minutes is acceptable for most retail scenarios.

CoinPayments is unpredictable. Some transactions settle quickly. Others drag for hours. That variability creates headaches for high-volume merchants.

Larecoin leverages Solana's architecture for near-instant settlement. Sub-second finality. Customer pays, merchant receives. Done.

For brick-and-mortar POS situations, speed isn't optional. Nobody wants customers standing at the counter waiting for blockchain confirmations.

The LUSD Advantage: Stability Without Sacrifice

Crypto volatility terrifies small business owners. Understandably so.

Accept $100 in Bitcoin. Wake up to $85. That's not sustainable.

Stablecoins solve this. But not all platforms integrate them equally.

NOWPayments: Relies on third-party stablecoins (USDT, USDC). Works, but adds complexity.

CoinPayments: Limited stablecoin support. Not a core focus.

Larecoin: Native LUSD stablecoin built into the ecosystem.

LUSD isn't bolted on. It's foundational. Accept payments in any supported crypto, automatic conversion to LUSD happens seamlessly. Lock in your sale value instantly.

No manual conversions. No third-party exchanges. No volatility exposure.

Small businesses need predictability. LUSD delivers it natively.

NFT Receipts: The Future of Transaction Records

Here's something neither NOWPayments nor CoinPayments offer: NFT receipts.

Every Larecoin transaction generates an immutable, on-chain receipt. Stored permanently. Tamper-proof. Verifiable forever.

Why does this matter?

Accounting simplicity. Every transaction automatically documented on-chain. No lost receipts. No manual data entry.

Tax compliance. Auditors love verifiable records. NFT receipts provide cryptographic proof of every sale.

Dispute resolution. Customer claims they never received goods? NFT receipt proves the transaction. Timestamped. Permanent.

Business intelligence. On-chain data feeds analytics. Track sales patterns. Monitor cash flow. All cryptographically verified.

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

NFT receipts are forever.

Feature-by-Feature Breakdown

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5–1%	0.5–1%	Gas-only
Custody Model	Optional non-custodial	Custodial	Full self-custody
Settlement Speed	~5 minutes	Variable	Sub-second
Cryptocurrency Support	300+	2,000+	Comprehensive
Native Stablecoin	No	Limited	LUSD built-in
NFT Receipts	No	No	Yes
Network Fee Control	Yes	No	Yes

CoinPayments wins on raw cryptocurrency variety. 2,000+ coins supported. But quantity isn't quality. Most merchants accept five to ten cryptocurrencies maximum. The rest is noise.

NOWPayments strikes a middle ground. Solid selection. Reasonable fees. Non-custodial options available.

Larecoin leads on what actually matters: cost, speed, custody, and innovation.

Who Should Use What?

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• Custodial convenience appeals to you

• Five-minute settlement works for your model

Choose CoinPayments if:

• Maximum cryptocurrency variety is essential

• You've used them since 2013 and change feels risky

• You're comfortable with custodial arrangements

Choose Larecoin if:

• Minimizing fees is priority #1

• Self-custody aligns with your values

• Sub-second settlement improves customer experience

• NFT receipts simplify your accounting

• LUSD stability protects your margins

The Small Business Reality Check

Running a small business means watching every dollar. Payment processing fees directly impact profitability.

Traditional processors take 2.5–3.5%. That's built into your pricing. Passed to customers. Or eaten from margins.

Crypto gateways promised relief. NOWPayments and CoinPayments delivered partial solutions. Lower fees, yes. But still percentage-based. Still with custody compromises. Still with settlement delays.

Larecoin represents the next evolution.

Gas-only fees mean predictable, minimal costs regardless of transaction size.

Full self-custody means your revenue hits your wallet immediately.

Sub-second settlement means better customer experience at checkout.

NFT receipts mean simplified accounting and bulletproof records.

LUSD integration means volatility protection without extra steps.

Making the Switch

Evaluating crypto POS systems requires honest assessment.

What's your monthly transaction volume? Higher volume magnifies fee differences.

How important is immediate fund access? Custodial delays cost opportunity.

Do your customers expect fast checkout? Settlement speed affects experience.

How much time do you spend on receipt management? NFT automation saves hours.

Is crypto volatility a concern? Native stablecoin integration matters.

Answer those questions. The right platform becomes obvious.

Ready to Upgrade Your Payment Stack?

Small businesses deserve payment infrastructure that works for them. Not against them.

Interchange fees shouldn't eat your margins. Custodial platforms shouldn't hold your money hostage. Settlement shouldn't take hours.

Larecoin was built for merchants who want more.

More control. More speed. More savings. More innovation.

Explore the full ecosystem at larecoin.com and see why forward-thinking merchants are making the switch.

The future of payments is here. Your competition is already looking.