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

Small business owners. You're thinking about crypto payments. Smart move.

But here's the thing, choosing the wrong payment processor can drain your margins faster than you can say "blockchain." Three names dominate the conversation right now: Larecoin, NOWPayments, and CoinPayments.

Let's break it down. No fluff. Just facts.

The Real Cost of Crypto Payments

Traditional payment processors hit you with 2.5-3.5% fees. Every. Single. Transaction.

Crypto was supposed to fix this. And it does, when you pick the right platform.

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	~50% lower than legacy
Self-Custody	Yes	Partial	Yes (Smart Wallet)
Cryptocurrencies	300+	40+	Multi-chain support
POS Hardware	No	Optional	No (QR-based)
NFT Receipts	No	No	Yes
Native Stablecoin	Third-party	Third-party	LUSD
Setup Complexity	High	Low	Low

Numbers don't lie. But there's more to the story.

NOWPayments: The Token Maximalist Play

NOWPayments built its reputation on variety. 300+ cryptocurrencies. 30+ stablecoins. If a token exists, they probably support it.

The Good:

• 0.5% fees for standard payments

• 1% for multi-currency exchanges

• Zero withdrawal fees

• Massive token selection

The Not-So-Good:

• Setup complexity is real

• Lacks advanced analytics

• Limited corporate integration tools

• Third-party stablecoin dependency

NOWPayments works well for businesses already deep in the crypto ecosystem. Your customers pay in Dogecoin? They've got you. But for small businesses just entering Web3 payments, the learning curve can be steep.

CoinPayments: The Managed Service Approach

CoinPayments takes a different angle. Traditional retail vibes. Actual POS terminal support. Around 40+ cryptocurrencies.

The Good:

• Straightforward setup

• Physical terminal options

• Zero service fees on payouts

• Established track record

The Not-So-Good:

• Partial self-custody only

• Third-party stablecoin reliance

• Limited Web3 features

• No innovation in receipt management

CoinPayments suits businesses wanting cryptocurrency acceptance without the technical deep-dive. Plug and play. But you're sacrificing control and cutting-edge features.

Larecoin: Built Different for Small Business

Here's where things get interesting.

Larecoin was designed from the ground up for small business reality. Lower fees. Full self-custody. Zero hardware requirements. And features that actually solve real business problems.

Fee Savings That Actually Matter

Approximately 50% lower fees than legacy payment processors. That's not marketing spin: that's margin protection.

For a business processing $100,000 annually in payments, traditional processors take $2,500-$3,500 in fees. Larecoin cuts that significantly. Those savings compound. They fund inventory. They pay rent. They matter.

Self-Custody Through Smart Wallet

Your keys. Your crypto. Period.

Larecoin's Smart Wallet delivers true self-custody without the technical headaches. No trusting third parties with your funds. No withdrawal delays. No "we're experiencing high volume" excuses.

NOWPayments offers self-custody. CoinPayments offers partial custody. Larecoin offers complete control with enterprise-grade simplicity.

NFT Receipts: The Accounting Game-Changer

This is where Larecoin pulls ahead dramatically.

Every transaction generates an NFT receipt. On-chain. Immutable. Verifiable.

Why this matters:

• Tax season becomes transparent

• Audits have blockchain-verified documentation

• Dispute resolution has cryptographic proof

• Accounting automation integrates seamlessly

NOWPayments? No NFT receipts. CoinPayments? Nothing. This feature alone transforms back-office operations for small businesses.

LUSD: Native Stablecoin Protection

Volatility kills crypto adoption for merchants. You accept $100 in Bitcoin. Tomorrow it's $85. That's not acceptable.

Larecoin's native stablecoin: LUSD: solves this. Instant settlement. Price stability. No third-party stablecoin dependencies or additional conversion fees.

Both NOWPayments and CoinPayments rely on third-party stablecoins. Additional complexity. Additional risk. Additional fees.

QR-Based POS: Hardware Freedom

No terminals to buy. No dongles to maintain. No hardware to break.

Larecoin's QR-code POS system works from any smartphone or tablet. Customer scans. Payment processes. Done.

Setup takes minutes, not days.

CoinPayments offers optional hardware terminals. That's cost. That's maintenance. That's complexity you don't need.

NOWPayments skips hardware but brings higher setup complexity. Larecoin delivers simplicity on both fronts.

US Compliance: The Elephant in the Room

Let's talk regulation. Because it matters.

Larecoin operates under rigorous US compliance standards. Money Services Business (MSB) registration. State Money Transmitter License (MTL) strategy. This isn't optional paperwork: it's foundational infrastructure.

What this means for your business:

• Regulatory certainty

• Banking relationship stability

• Long-term operational confidence

• Protection against sudden platform shutdowns

Many crypto payment processors operate in regulatory gray areas. Larecoin doesn't. Your business deserves that security.

Making the Right Choice

Choose NOWPayments if:

• You operate in crypto-native communities

• Token variety is mission-critical

• You have technical resources for complex setup

• Your customers demand obscure altcoin support

Choose CoinPayments if:

• Traditional retail is your model

• Managed simplicity trumps customization

• You want physical terminal options

• Web3 features aren't priorities

Choose Larecoin if:

• Fee savings drive profitability

• Self-custody is non-negotiable

• NFT receipts transform your accounting

• US compliance provides peace of mind

• Simple setup means faster deployment

The Bottom Line

Small business margins are tight. Every percentage point matters. Every operational headache costs time. Every compliance risk threatens stability.

Larecoin addresses all three. Lower fees protect margins. Smart Wallet delivers self-custody without complexity. NFT receipts modernize accounting. LUSD shields against volatility. US compliance ensures longevity.

NOWPayments and CoinPayments serve their niches. But for small businesses prioritizing cost savings, operational simplicity, and regulatory confidence: Larecoin is the clear winner.

Next Steps

Ready to cut payment processing costs and embrace Web3 commerce?

1. Visit Larecoin.com

2. Explore the crypto ecosystem

3. Set up your Smart Wallet

4. Start accepting payments

The crypto POS landscape has options. Make the smart choice. Your bottom line will thank you.

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This post is part of Larecoin's 10-Year Blog Marathon; documenting the evolution of Web3 payments and why decentralized commerce is the future of small business.