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

Small business owners are bleeding money. Traditional payment processors charge 2.5-3.5% per transaction. That's $320 per month on just $10,000 in revenue. Insane.

Crypto POS systems are changing the game. Lower fees. Faster settlements. Real ownership of your funds.

But which one actually delivers for your business? Let's break down Larecoin, NOWPayments, and CoinPayments. No fluff. Just facts.

The Fee Battle: Where Your Money Actually Goes

Here's the reality. Every percentage point matters when you're running a small business.

Traditional processors: 2.5-3.5% per transaction. Plus monthly fees. Plus chargebacks. Plus hidden costs.

NOWPayments: 0.5% for single-currency payments. 1% for multi-currency conversions.

CoinPayments: Same deal. 0.5-1% depending on your setup.

Larecoin: Gas-only transfers. No service fees. Just blockchain network costs.

The math speaks for itself. A coffee shop processing $10,000 monthly:

• Traditional: ~$320/month

• NOWPayments/CoinPayments: $75-100/month

• Larecoin: Minimal network fees only

That's fee savings of 50%+ compared to traditional processors. For a small business, that's the difference between surviving and thriving.

Technical Features: Beyond Basic Payment Processing

Accepting crypto is table stakes in 2026. The real question: what else does your POS system bring to the table?

NFT Receipts: Proof That Actually Matters

Traditional paper receipts? Lost. Forgotten. Useless for returns three months later.

Larecoin issues NFT receipts for every transaction. Immutable. Verifiable. Stored on-chain forever.

For merchants, this means:

• Zero receipt fraud

• Automated return verification

• Complete transaction history

• Customer loyalty tracking built-in

NOWPayments and CoinPayments? Standard digital receipts. Functional, but nothing revolutionary.

The Stablecoin Advantage: LUSD

Crypto volatility scares small business owners. Rightfully so. You can't pay rent with a token that dropped 15% overnight.

NOWPayments offers automatic conversion to stablecoins. CoinPayments does too. Both work fine.

Larecoin built LUSD directly into the ecosystem. No third-party dependencies. No conversion delays. Instant settlement in a stable asset you control.

This isn't just convenience. It's risk management built into the infrastructure.

Self-Custody: Your Money, Your Rules

Here's where things get serious.

With NOWPayments and CoinPayments, funds flow through their systems. They hold your money, even briefly. You trust them to release it.

Larecoin operates on true self-custody. Funds go directly to your wallet. Period.

Master/sub-wallet architecture lets you:

• Set up wallets for each location

• Control permissions across your team

• Maintain complete visibility

• Never lose access to your funds

For small businesses burned by payment processor holds and frozen accounts, self-custody isn't a feature. It's freedom.

QR-Generated POS: Hardware Is Dead

Traditional POS systems mean expensive hardware. Terminals. Card readers. Maintenance contracts. Update headaches.

Larecoin's QR-generated POS flips the script.

Generate a payment request. Display the QR code. Customer scans and pays. Done.

Works on any screen. Any device. No specialized hardware required.

NOWPayments offers similar flexibility with their payment widgets. CoinPayments has integration options too. But neither matches the seamless, hardware-free experience of Larecoin's native approach.

For a pop-up shop, food truck, or market vendor, this is game-changing. Your phone becomes your payment terminal.

Feature-by-Feature Breakdown

Feature	NOWPayments	CoinPayments	Larecoin
Service Fee	0.5-1%	0.5-1%	Network fees only
Native Stablecoin	No	No	LUSD built-in
Hardware Required	No	Optional	No (QR-based)
Self-Custody	Partial	Partial	Full
NFT Receipts	No	No	Yes
Master/Sub-Wallets	No	No	Yes
Setup Time	Under 1 minute	Moderate	Minimal
Supported Chains	350+ cryptos	Multi-chain	Blockchain-native

Compliance & Trust: The Foundation That Matters

Here's where many crypto payment processors stumble. Regulations matter. Especially in the U.S.

Larecoin operates with:

• Federal MSB (Money Services Business) registration

• State-level MTL (Money Transmitter License) coverage across the U.S.

MTL compliance isn't optional anymore. It's the difference between a legitimate payment infrastructure and a regulatory time bomb.

NOWPayments and CoinPayments operate globally with various compliance frameworks. Both are established players. But for U.S.-based small businesses, Larecoin's comprehensive state-level coverage provides serious peace of mind.

You don't want to explain to the IRS why your payment processor was operating in a gray area. Full stop.

The Future: Metaverse Shopping Is Here

Payment processing is just the beginning.

Larecoin's vision extends into the B2B2C metaverse. Social shopping experiences. VR/AR storefronts. Immersive brand interactions.

Imagine this: Your customer browses your virtual showroom. Tries on products in AR. Purchases with a single tap. NFT receipt lands in their wallet. They're done.

No waiting in line. No card swipes. No friction.

This isn't science fiction. Metaverse shopping is being built right now. Small businesses that position themselves early gain massive advantages.

NOWPayments and CoinPayments focus on today's payment needs. Solid. Reliable. But limited vision.

Larecoin is building infrastructure for where commerce is headed. Your crypto POS today becomes your metaverse storefront tomorrow.

Real Numbers: A Coffee Shop Case Study

Let's get concrete. Average coffee shop:

• 1,200 transactions per month

• $8 average transaction

• $9,600 monthly revenue

Traditional processor costs: $288/month minimum. Plus equipment. Plus chargebacks.

NOWPayments/CoinPayments: $72-96/month. Significant savings. Solid choice.

Larecoin: Network gas fees only. Typically $10-20/month depending on transaction volume and network conditions.

Annual savings with Larecoin vs. traditional: $3,000+

That's real money. Equipment upgrades. Marketing budget. Staff bonuses. Your choice.

Which One Is Right for Your Business?

Choose NOWPayments or CoinPayments if:

• You want rapid, proven setup

• Broad cryptocurrency support matters most

• You prefer straightforward fiat conversion

• You're testing crypto payments before full commitment

Choose Larecoin if:

• Maximum fee savings are priority

• Self-custody is non-negotiable

• You want NFT receipts and future-ready features

• U.S. MTL compliance matters to your business

• You're building toward metaverse commerce

The honest answer: All three beat traditional payment processors. Dramatically.

But Larecoin's gas-only model, LUSD stablecoin, and self-custody architecture create advantages that compound over time. The more you process, the more you save.

Making the Switch

Transitioning to crypto POS isn't complicated. Most small businesses run both systems in parallel initially.

Start with:

1. Set up your preferred crypto POS

2. Train staff on basic operations

3. Display "Crypto Accepted Here" signage

4. Track results for 30 days

5. Scale based on customer adoption

The crypto-curious customer base is growing fast. Meeting them where they are isn't just smart: it's essential for long-term competitiveness.

Ready to explore what Larecoin can do for your business? Visit larecoin.com and check out the merchant solutions.

Your customers are already holding crypto. Time to let them spend it with you.