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

Small businesses are bleeding money.

Every swipe. Every tap. Every transaction.

Traditional payment processors take 2.5% to 3.5% per sale. That's thousands of dollars annually walking out the door. For what? Legacy infrastructure built decades ago.

Crypto POS systems change everything. But not all platforms are created equal.

Let's break down three major players: Larecoin, NOWPayments, and CoinPayments. By the end, you'll know exactly which system fits your business.

The Hidden Cost Killing Your Margins

Interchange fees are the silent profit killer.

Process $100,000 in annual sales? Traditional processors take $2,500 to $3,500. That's rent money. That's employee wages. That's growth capital, gone.

Web3 payment solutions slash these costs dramatically. But here's where it gets interesting.

Not every crypto POS delivers the same value.

Some platforms just replicate the old system with new technology. Others genuinely reimagine merchant payments from the ground up.

The Three Contenders: Quick Overview

Before diving deep, here's what you need to know about each platform:

NOWPayments targets crypto-native businesses. Massive token variety. Complex setup. Best for merchants already fluent in Web3.

CoinPayments serves traditional retailers transitioning to crypto. Managed solutions. Optional hardware. Middle-of-the-road approach.

Larecoin focuses on small business empowerment. Lowest fees. Simplest setup. Built for merchants who want results without complexity.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	~50% lower than legacy
Self-Custody	Yes	Partial	Yes (Smart Wallet)
POS Hardware Required	No	Optional	No (QR-based)
NFT Receipts	No	No	Yes
Stablecoin Option	Third-party	Third-party	Native (LUSD)
Small Business Focus	Medium	Medium	High
Setup Complexity	High	Low	Low

The numbers don't lie. But let's go deeper.

NOWPayments: The Token Maximalist Choice

NOWPayments supports 300+ cryptocurrencies and 30+ stablecoins. Impressive? Absolutely.

Necessary for most small businesses? Not really.

Here's the reality check:

Pros:

• Massive token selection

• API integrations for developers

• Recurring payment support

• Self-custody available

Cons:

• High setup complexity

• Requires technical knowledge

• Best suited for crypto-native audiences

• No native stablecoin solution

• No NFT receipt functionality

If your customers exclusively pay in obscure altcoins, NOWPayments works. For the average coffee shop, boutique, or service provider? Overkill and overly complicated.

The platform assumes you already understand crypto infrastructure. Setup involves multiple integrations. Troubleshooting requires technical chops.

Verdict: Great for blockchain-focused businesses. Not ideal for mainstream small business adoption.

CoinPayments: The Safe Middle Ground

CoinPayments takes a more traditional approach. Optional hardware. Managed solutions. Designed for retailers who want crypto without the learning curve.

Pros:

• Simple onboarding

• Optional hardware POS

• Established reputation

• Multi-currency support

Cons:

• Partial self-custody only

• Third-party stablecoin reliance

• No NFT receipts

• Less cost-effective than newer solutions

• Doesn't prioritize small business needs

CoinPayments essentially recreates traditional payment processing with crypto assets. That's fine if you just want to accept Bitcoin alongside Visa.

But if you're seeking genuine cost savings and Web3 innovation? You're leaving money on the table.

Verdict: Solid choice for established retailers wanting managed simplicity. Misses the bigger opportunity.

Larecoin: Built for Small Business Victory

Here's where things get interesting.

Larecoin doesn't just accept crypto payments. It reimagines what merchant transactions should look like in 2026.

Fees slashed by 50%+. Not incremental savings. Transformative cost reduction.

QR-based POS. No hardware purchases. No complex integrations. Scan. Pay. Done.

NFT receipts. Every transaction creates an immutable, verifiable record. Perfect for accounting. Perfect for audits. Perfect for dispute resolution.

Native LUSD stablecoin. No third-party dependencies. No volatility headaches. Stable value from transaction to settlement.

True self-custody. Your funds. Your control. Always.

Let's unpack why these features matter.

Why Self-Custody Changes Everything

Traditional payment processors hold your money. Sometimes for days. Sometimes longer if they flag your account.

Partial self-custody? Still problematic. You're trusting a third party with access to your funds.

Larecoin's Smart Wallet delivers complete financial sovereignty.

Funds hit your wallet instantly. No intermediary holds your revenue hostage. No arbitrary account freezes. No "pending review" delays when you need cash flow most.

For small businesses operating on tight margins, this isn't a luxury. It's survival.

NFT Receipts: The Accounting Game-Changer

Paper receipts fade. Digital receipts get lost in email folders. Disputes become he-said-she-said nightmares.

NFT receipts solve this permanently.

Every Larecoin transaction mints an immutable receipt on-chain. Date. Time. Amount. Parties involved. Permanently recorded. Instantly verifiable.

Tax season? Pull your complete transaction history in seconds.

Customer dispute? Show the blockchain-verified proof.

Audit preparation? Every receipt exists forever, exactly as recorded.

Neither NOWPayments nor CoinPayments offer this functionality. It's a Larecoin exclusive.

LUSD: Stability Without Compromise

Crypto volatility terrifies small business owners. Understandably so.

Accept $100 in Bitcoin. Watch it become $85 before you can convert. That's not a payment solution. That's a gambling problem.

Most platforms push you toward third-party stablecoins. More integrations. More counterparty risk. More complexity.

Larecoin's native LUSD stablecoin eliminates this friction.

Receive payment in LUSD. Keep it in LUSD. Spend it as LUSD. Predictable value throughout the entire cycle.

No scrambling to convert before prices drop. No extra fees for stablecoin swaps. No third-party dependencies adding risk to your revenue.

The Setup Reality Check

Complexity kills adoption. Every extra step loses potential users.

NOWPayments setup: Multiple API integrations. Developer involvement recommended. Hours of configuration.

CoinPayments setup: Moderate complexity. Account creation. Wallet setup. Plugin installations.

Larecoin setup: Create account. Generate QR codes. Start accepting payments.

For time-strapped small business owners wearing twelve different hats, simplicity wins. Every time.

Real Cost Savings Breakdown

Let's do the math.

Annual sales: $150,000

Traditional processor (3% fees): $4,500 lost annually

NOWPayments (0.75% average): $1,125 lost annually

CoinPayments (0.75% average): $1,125 lost annually

Larecoin (~50% below legacy): Approximately $1,500 lost annually

Wait: Larecoin's percentage looks similar?

Here's the catch. Larecoin measures against legacy systems, not other crypto platforms. When you factor in zero hardware costs, instant settlement, and no conversion fees, your effective savings compound significantly.

Plus: No interchange markups. No monthly fees. No hidden charges.

Who Should Choose What?

Choose NOWPayments if:

• Your customers specifically request obscure cryptocurrencies

• You have technical staff for integration

• You're already operating in crypto-native markets

Choose CoinPayments if:

• You want a managed, hands-off solution

• You're transitioning from traditional-only payments

• Token variety matters more than cost optimization

Choose Larecoin if:

• Cost savings are your top priority

• You want the simplest possible setup

• NFT receipts appeal to your accounting needs

• Self-custody and financial sovereignty matter

• You serve mainstream customers

For most small businesses? Larecoin delivers the best value proposition.

The Bottom Line

Crypto POS systems aren't just payment alternatives anymore. They're competitive advantages.

The question isn't whether to adopt Web3 payments. The question is which platform maximizes your benefit.

NOWPayments offers breadth. CoinPayments offers familiarity. Larecoin offers transformation.

Lower fees. Simpler setup. Better features. True ownership.

Your margins deserve better than legacy payment processors draining 3% per transaction. Your business deserves technology built for the future.

Ready to slash your processing costs and embrace financial sovereignty?

Explore Larecoin's merchant solutions and see what genuine Web3 payments look like.