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

Small business owners are tired.

Tired of fees. Tired of middlemen. Tired of watching profits vanish into the void of payment processing.

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

Let's break down three major players: Larecoin, NOWPayments, and CoinPayments. No fluff. Just facts.

By the end, you'll know exactly which system deserves your business.

The Fee Problem Nobody Talks About

Traditional payment processors eat 2.5% to 3.5% of every transaction. Credit cards. Debit cards. Doesn't matter.

Run a coffee shop doing $500K annually? That's $12,500 to $17,500 gone. Every. Single. Year.

Crypto POS systems claim to fix this. But here's the catch, not all crypto processors are created equal.

Some just shift the fee structure around. Others actually slash your costs.

Let's see who does what.

NOWPayments: The Basics

NOWPayments is a solid entry point. Popular. Widely used.

The Good:

• 0.5% fee for single-currency payments

• 1% for multi-currency conversions

• Supports 300+ cryptocurrencies

• Quick setup (under a minute)

• Non-custodial architecture

• 24/7 support

The Not-So-Good:

• No proprietary stablecoin

• Limited merchant-specific features

• Standard NFT functionality (if any)

• You're still dependent on their infrastructure

NOWPayments works. It's reliable. But it's essentially a payment gateway dressed up for crypto.

Nothing revolutionary. Just functional.

CoinPayments: The Veteran

CoinPayments has been around since 2013. That's ancient in crypto years.

The Good:

• Supports 2,000+ cryptocurrencies

• Established reputation

• Multi-coin wallet included

• Shopping cart plugins available

• Vault storage option

The Not-So-Good:

• Fee structure gets complicated

• Conversion fees stack up

• No unique receivables token system

• Custodial concerns for some features

• Interface feels dated

CoinPayments is the "safe" choice. The one your accountant might recognize.

But safe doesn't mean optimal.

Larecoin: Built Different

Here's where things get interesting.

Larecoin isn't just another crypto payment processor. It's a complete Web3 payments ecosystem designed specifically for merchant growth.

Core Features:

• 50%+ interchange fee reduction through receivables token architecture

• LUSD stablecoin for price stability without volatility headaches

• NFT receipts for transparent, verifiable transaction records

• True self-custody , your funds, your keys, your control

• Gas-only transfers minimize operational costs

• Push-to-card functionality for instant fiat access

This isn't incremental improvement. This is a paradigm shift.

Why Receivables Tokens Matter

Traditional crypto payments work like this: Customer pays crypto → Processor converts → Merchant receives fiat (minus fees).

Larecoin's receivables token system works differently. The LARE token creates a direct merchant-to-customer relationship. No unnecessary conversions. No hidden spreads.

Result? You keep more of what you earn.

We've covered this extensively in our guide on how to slash merchant fees by 50%.

Head-to-Head Comparison

Feature	Larecoin	NOWPayments	CoinPayments
Base Fee	Lowest tier	0.5%	Variable
Fee Reduction Potential	50%+	Limited	Limited
Native Stablecoin	LUSD	No	No
NFT Receipts	Yes	No	No
Self-Custody	Full	Partial	Partial
Receivables Token	Yes	No	No
Metaverse Ready	Yes	No	No
Push-to-Card	Yes	Limited	Limited

The difference is clear.

NFT Receipts: More Than a Gimmick

Most people hear "NFT" and think overpriced JPEGs. Wrong mindset.

NFT receipts solve real business problems:

For You (The Merchant):

• Immutable transaction records

• Instant dispute resolution

• Automated warranty tracking

• Customer loyalty integration

• Tax documentation simplified

For Your Customers:

• Proof of purchase that can't be lost

• Easy returns and exchanges

• Collectible receipts (yes, some people love this)

• Transparent spending history

Every transaction becomes verifiable on-chain. No he-said-she-said. No "lost receipt" excuses.

This is the future of commerce documentation. Larecoin delivers it now.

LUSD: Stability Without Sacrifice

Crypto volatility kills merchant adoption. Everyone knows this.

You accept $100 in Bitcoin. By end of day, it's worth $92. Or $108. Who knows?

LUSD eliminates this problem.

Larecoin's native stablecoin maintains dollar parity while preserving all Web3 benefits:

• Instant settlement

• Minimal fees

• Cross-border functionality

• No bank approval needed

Accept LUSD. Know exactly what you're getting. Convert when ready.

No surprises. No volatility anxiety. Just clean, predictable revenue.

Self-Custody: Why It's Non-Negotiable

Here's an uncomfortable truth about most crypto processors:

They hold your money.

NOWPayments claims non-custodial architecture. CoinPayments offers vault storage. But at various points, your funds touch their systems.

What happens if they get hacked? Go bankrupt? Face regulatory action?

Your funds are at risk.

Larecoin's approach: True self-custody from transaction to settlement.

Your private keys. Your wallet. Your control.

This isn't paranoia. This is financial sovereignty. The entire point of Web3.

We detailed why this matters in our comparison of NOWPayments vs Larecoin.

Real-World Application

Let's make this concrete.

Scenario: You run a boutique doing $300K annually.

With Traditional Processing (3% fees):

• Annual fees: $9,000

• No ownership of payment data

• Chargeback vulnerability

• 2-3 day settlement

With NOWPayments (0.5% fees):

• Annual fees: $1,500

• Faster settlement

• Still some custodial exposure

• No unique merchant tools

With Larecoin (50%+ reduction):

• Annual fees: Under $750 (and potentially lower)

• NFT receipt documentation

• LUSD stability option

• Full self-custody

• Metaverse-ready when you expand

The math speaks for itself.

Who Should Choose What?

Choose NOWPayments if:

• You want simple crypto acceptance

• Budget is primary concern

• You're testing crypto waters

• 300+ coin support matters most

Choose CoinPayments if:

• Brand recognition matters to you

• You need maximum coin variety

• Legacy integrations required

• "Established" feels safer

Choose Larecoin if:

• Maximizing profit margins is priority

• You want cutting-edge merchant tools

• Self-custody is non-negotiable

• NFT receipts appeal to your business model

• Future-proofing matters (metaverse, Web3 expansion)

• You're serious about financial sovereignty

The Verdict

NOWPayments and CoinPayments are fine. Functional. Safe bets.

But "fine" doesn't build competitive advantage.

Larecoin represents where crypto payments are heading. Receivables tokens. NFT documentation. Native stablecoins. True self-custody.

Small businesses that adopt now position themselves ahead of the curve. Lower fees today. Better infrastructure tomorrow.

The choice seems obvious.

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Ready to slash your interchange fees by 50% or more? Explore the Larecoin ecosystem and see what Web3 payments actually look like.

Questions? Let's chat. Your financial sovereignty starts here.