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

Small business owners. You're bleeding money.

Every swipe. Every tap. Every transaction. Traditional payment processors are eating your margins alive.

Interchange fees. Processing fees. Monthly fees. Chargeback fees.

It adds up fast.

Crypto POS systems promise a way out. But which one actually delivers?

We're breaking down three major players: Larecoin, NOWPayments, and CoinPayments.

No fluff. Just facts.

Let's get into it.

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The Interchange Fee Problem

Here's the reality most small business owners face:

• Credit card processing fees: 2-4% per transaction

• Monthly gateway fees: $10-30

• Chargeback fees: $15-100 per incident

• PCI compliance fees: $79-120 annually

For a business doing $50,000 in monthly sales, that's potentially $1,000-2,000 walking out the door every single month.

Just in payment processing.

Crypto POS systems flip this model. Lower fees. No chargebacks. Direct settlement.

But not all solutions are created equal.

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Head-to-Head Comparison

Here's the breakdown that matters:

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)
Cryptocurrency Options	300+	Limited	Select coins
NFT Receipts	No	No	Yes
Native Stablecoin	Third-party	Third-party	LUSD
Setup Complexity	High	Low	Low

Numbers don't lie.

Let's dig deeper into what each platform actually offers.

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NOWPayments: Maximum Crypto Variety

Best for: Crypto-native communities wanting maximum flexibility.

NOWPayments supports over 300 cryptocurrencies and 30+ stablecoins. If a token exists, they probably support it.

Pros:

• Massive cryptocurrency selection

• 0% withdrawal fees

• Full control over funds

• No integration costs

• API-first approach

Cons:

• Setup involves technical configuration

• Higher learning curve

• No native stablecoin (relying on third parties)

• No NFT receipt functionality

• Partial self-custody model

For businesses deep in the crypto ecosystem, NOWPayments delivers variety. Your customers want to pay in obscure altcoins? They've got you covered.

But variety comes at a cost.

Setup takes longer. Configuration gets complex. And you're still relying on third-party stablecoins for volatility protection.

For most small businesses? That's more complexity than necessary.

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CoinPayments: The Traditional Bridge

Best for: Traditional retailers testing crypto waters.

CoinPayments positions itself as the easy on-ramp. Familiar interfaces. Optional hardware. Straightforward setup.

Pros:

• Simple implementation

• Optional POS hardware

• Moderate crypto support

• Lower learning curve

• Traditional retail-friendly

Cons:

• Only partial self-custody

• Third-party stablecoin reliance

• Hardware costs (if used)

• No NFT receipts

• Limited innovation

CoinPayments works if you want something that feels familiar. It's the training wheels approach to crypto payments.

The problem?

Partial self-custody means you're still trusting someone else with your money. That defeats half the purpose of going crypto in the first place.

And with no native stablecoin, you're exposed to volatility risk or dependent on external solutions.

Good enough for dipping your toes in. Not great for serious merchants.

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Larecoin: Built for Small Business Growth

Best for: Small businesses prioritizing cost savings, simplicity, and financial sovereignty.

Here's where things get interesting.

Larecoin wasn't built for crypto maximalists wanting to accept 300 different tokens. It was built for real merchants wanting real savings.

The Core Advantages:

1. Slash Interchange Fees by 50%+

This is the headline number. And it's real.

Traditional payment processors take 2-4%. Larecoin's model cuts that by more than half.

For that $50,000/month business? You're keeping an extra $500-1,000 every single month.

That's $6,000-12,000 annually. Back in your pocket.

2. True Self-Custody with Smart Wallet

Not your keys, not your coins.

Larecoin's Smart Wallet architecture ensures you control your funds. Period.

No partial custody arrangements. No trusting third parties with your revenue.

Full financial sovereignty.

3. LUSD: Native Stablecoin Protection

Volatility kills merchant adoption.

Accept Bitcoin today. Watch it drop 10% overnight. Suddenly your profit margin disappeared.

Larecoin solves this with LUSD : a native stablecoin built directly into the ecosystem.

No third-party integrations. No extra steps. Just stable value settlement baked into the platform.

4. NFT Receipts: Next-Gen Accounting

This is where Larecoin separates from the pack entirely.

Every transaction generates an NFT receipt. Immutable. Transparent. Verifiable on-chain.

Why this matters for your business:

• Audit-proof transaction records

• Instant verification for disputes

• Automated accounting integration

• Customer loyalty opportunities

• Fraud prevention

Neither NOWPayments nor CoinPayments offers anything like this.

5. QR-Based, No Hardware Required

Forget expensive POS terminals.

Larecoin runs entirely on QR code technology. Customers scan. Payment settles. Done.

Your smartphone becomes your point of sale. No hardware costs. No maintenance. No outdated equipment.

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The Self-Custody Imperative

Let's talk about why this matters more than most merchants realize.

2022 taught the crypto world a brutal lesson. FTX. Celsius. BlockFi.

Billions in customer funds. Gone.

When you use a payment processor with partial custody, you're trusting them with your business revenue. Your livelihood.

Self-custody isn't a feature. It's a requirement.

Larecoin's architecture puts you in complete control. Your Smart Wallet. Your keys. Your money.

No intermediary can freeze your funds. No exchange collapse can wipe out your revenue.

That's real financial sovereignty.

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Real-World Setup Comparison

NOWPayments Setup:

1. Create account

2. Configure API integration

3. Set up cryptocurrency selections

4. Configure exchange settings

5. Integrate with existing systems

6. Test transactions

7. Go live

Time: 2-5 hours (technical knowledge required)

CoinPayments Setup:

1. Create account

2. Choose supported currencies

3. Optional hardware configuration

4. Basic integration

5. Go live

Time: 30-60 minutes

Larecoin Setup:

1. Create account

2. Set up Smart Wallet

3. Generate QR code

4. Accept payments

Time: Under 15 minutes

Simplicity wins. Every time.

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Who Should Choose What?

Choose NOWPayments if:

• You need to accept 100+ different cryptocurrencies

• Your customer base is heavily crypto-native

• You have technical resources for setup

• Variety matters more than simplicity

Choose CoinPayments if:

• You want traditional retail familiarity

• Self-custody isn't a priority

• You prefer optional hardware options

• You're just testing crypto payments

Choose Larecoin if:

• Cost savings are your primary goal

• You want true self-custody

• Simplicity matters

• NFT receipts add value to your business

• You need native stablecoin protection

• You're serious about merchant growth

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The Bottom Line

For most small businesses, the decision is straightforward.

NOWPayments offers variety. CoinPayments offers familiarity.

Larecoin offers results.

• 50%+ fee savings vs. traditional processing

• True self-custody through Smart Wallet

• Native LUSD stablecoin for volatility protection

• NFT receipts for transparent accounting

• QR-based setup in minutes

The future of payments isn't about accepting 300 cryptocurrencies. It's about keeping more money in your pocket while maintaining full control of your finances.

That's what Larecoin delivers.

Ready to slash your interchange fees and take control of your payments?

Explore Larecoin and see the difference for yourself.

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This post is part of the Larecoin 10-year blog marathon, exploring how Web3 payments are transforming merchant economics. Follow along on our blog for more insights.