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

Running a small business in 2026 means one thing: crypto payments aren't optional anymore.

Your customers want to pay with digital assets. The question isn't if you accept crypto. It's how.

Three platforms dominate the conversation right now. NOWPayments. CoinPayments. And Larecoin.

But here's the deal, not all crypto POS systems are created equal. Some lock you into custodial wallets. Others hit you with hidden fees. A few still make you wait days for settlement.

Let's break down which platform actually delivers for small business owners who want freedom, low fees, and full control over their funds.

The Small Business Crypto Payment Problem

Most crypto payment processors promise simplicity. What they deliver? Complexity.

• High transaction fees eating into margins

• Custodial wallets holding YOUR funds

• Limited cryptocurrency support

• Zero innovation beyond basic checkout buttons

Sound familiar?

Small businesses need more than a checkout widget. You need a complete ecosystem that respects your independence and keeps more money in your pocket.

NOWPayments: What You Get

NOWPayments has been around. They've built a solid reputation.

The Good:

• 0.5% fees for single-currency payments

• 1% for multi-currency payments

• Supports 350+ cryptocurrencies

• Quick setup (under a minute)

• Web-based PoS terminals available

• Fiat settlement options

The Not-So-Good:

• Still custodial by default

• No NFT receipt innovation

• Standard Web2 architecture

• Limited merchant control over funds

• No native stablecoin ecosystem

NOWPayments works. It's functional. But "functional" doesn't cut it when you're competing against merchants who've embraced true Web3 solutions.

Their 0.5% fee looks attractive until you realize what you're giving up: complete ownership of your transaction flow.

CoinPayments: The Veteran Player

CoinPayments has processed billions in transactions. They've been doing this since 2013.

The Good:

• Extensive cryptocurrency support (2,000+ coins)

• Multiple integration options

• Shopping cart plugins for major platforms

• Established track record

The Not-So-Good:

• 0.5% base fee plus additional conversion fees

• Custodial wallet structure

• Dated interface and user experience

• Slow innovation cycle

• No decentralized payment rails

CoinPayments is the "safe" choice. The legacy option. The platform your accountant recommends because they've heard the name before.

But safe doesn't mean smart. Not in crypto. Not in 2026.

Larecoin: Built Different

Here's where things get interesting.

Larecoin wasn't designed to be another payment processor. It's a complete decentralized ecosystem built specifically for merchants who refuse to surrender control.

Self-Custody From Day One

Your crypto. Your wallet. Period.

No third party holding your funds overnight. No withdrawal delays. No "processing windows."

When a customer pays, those funds hit YOUR wallet instantly. Not a custodial account you need permission to access.

This is merchant freedom. Real independence.

LUSD Stablecoin Integration

Volatility kills profit margins. Every merchant knows this pain.

Larecoin's LUSD stablecoin eliminates the pricing headache. Accept payments in any supported crypto. Settle in LUSD. Maintain predictable revenue without the rollercoaster.

No third-party conversion services taking a cut. No waiting for fiat settlement. Just stable, predictable value sitting in your self-custody wallet.

NFT Receipts: The Game-Changer

This is where Larecoin leaves competitors in the dust.

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

What does this mean for your business?

• Bulletproof accounting records

• Customer loyalty tracking built into transactions

• Returns and warranty verification simplified

• Marketing opportunities through collectible receipts

• Zero disputes about "did this transaction happen?"

NOWPayments doesn't offer this. CoinPayments doesn't offer this. Nobody else offers this.

Head-to-Head Comparison

Let's get specific. Here's how these three platforms stack up:

Feature	Larecoin	NOWPayments	CoinPayments
Base Transaction Fee	Lowest	0.5%-1%	0.5%+
Self-Custody	✅ Yes	❌ No	❌ No
NFT Receipts	✅ Yes	❌ No	❌ No
Native Stablecoin	✅ LUSD	❌ No	❌ No
Decentralized Rails	✅ Yes	❌ No	❌ No
Gas-Only Transfers	✅ Yes	❌ No	❌ No
Contactless POS	✅ Yes	✅ Yes	✅ Yes

The numbers don't lie. Larecoin delivers more value across every category that matters.

Why Self-Custody Changes Everything

Let's talk about what "custodial" actually means for your business.

When you use NOWPayments or CoinPayments, here's what happens:

1. Customer sends crypto

2. Payment processor receives it

3. Processor holds funds in THEIR wallet

4. You request withdrawal

5. They process your request (eventually)

6. Funds arrive in your wallet

See the problem?

Steps 2-5 represent risk. Counterparty risk. Platform risk. Regulatory risk. "We've frozen your account for review" risk.

With Larecoin's self-custody model:

1. Customer sends crypto

2. Funds arrive in YOUR wallet

That's it. No middleman holding your money. No permission needed to access what's already yours.

For small businesses operating on tight margins, this difference is everything.

The Fee Savings Add Up Fast

Let's do some math.

Say you process $10,000 monthly in crypto payments.

NOWPayments: $50-$100 in fees CoinPayments: $50+ (plus conversion fees) Larecoin: Gas-only transfers = pennies

Over a year? You're keeping hundreds: potentially thousands: more with Larecoin.

For a small business, that's real money. Inventory money. Marketing money. "Pay yourself a bonus" money.

Beyond Payments: The Ecosystem Advantage

Larecoin isn't just a payment processor. It's an entire ecosystem.

What you get access to:

• Smart wallet functionality

• DAO participation

• Built-in exchange and liquidity pools

• Swap and bridge capabilities

• Merchant portal with analytics

• AI/ML-powered search

• NFT trading capabilities

• Social spaces for community building

NOWPayments gives you a checkout button. CoinPayments gives you a shopping cart plugin.

Larecoin gives you a complete Web3 business infrastructure.

Making The Switch

Already using NOWPayments or CoinPayments? Switching is straightforward.

Larecoin's contactless POS system integrates with existing setups. No ripping out infrastructure. No weeks of developer time.

Set up takes minutes. Start accepting payments the same day.

Ready to see the difference? Check out Larecoin's crypto payment solutions and explore what true merchant independence looks like.

The Bottom Line

NOWPayments works. CoinPayments works. They've processed payments for years.

But "works" isn't the standard anymore.

Small businesses in 2026 need:

• Lower fees that don't eat margins

• Self-custody that eliminates counterparty risk

• NFT receipts that revolutionize record-keeping

• Stablecoin settlement that removes volatility anxiety

• Decentralized rails that ensure censorship resistance

Only one platform delivers all five.

Larecoin.

The choice isn't which legacy processor to use. The choice is whether you're ready to embrace what crypto payments were always meant to be: decentralized, self-sovereign, and built for merchant freedom.

Your business. Your crypto. Your rules.

Visit larecoin.com to get started today.