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

Running a small business in 2026? Crypto payments aren't optional anymore. They're expected.

But here's the problem. Not all crypto POS systems are built equal. Some drain your margins with hidden fees. Others leave you exposed with sketchy compliance. And don't even get started on custody nightmares.

Today, we're breaking down three major players: Larecoin, NOWPayments, and CoinPayments. Which one actually deserves your business?

Let's find out.

The Crypto POS Landscape: What Small Businesses Actually Need

Before diving into specifics, let's get real about what matters.

Small businesses need:

• Low fees that don't eat into razor-thin margins

• Self-custody options to maintain control over funds

• Regulatory compliance that won't get you in trouble

• Fast settlement because cash flow is king

• Simple setup without the tech headaches

Every platform promises these things. Few deliver.

NOWPayments: The Multi-Coin Generalist

NOWPayments has carved out a decent reputation. They support 300+ cryptocurrencies. That's impressive breadth.

The Fee Structure:

• 0.5% for single-currency payments

• 1% for multi-currency or conversion payments

• 0.4% for high-volume merchants (100+ BTC monthly)

What Works:

• Web-based PoS terminal (no hardware needed)

• Setup in under 5 minutes

• Non-custodial service

• QR code and wallet address acceptance

• Automatic fiat conversion available

The Limitations:

• No NFT receipt functionality

• Limited US regulatory framework

• Standard transaction speeds dependent on network congestion

• No native stablecoin ecosystem

NOWPayments works well for businesses wanting broad cryptocurrency acceptance. But it lacks innovation. It's a utility player. Nothing more.

CoinPayments: The Established Veteran

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

The Fee Structure:

• 0.5% flat fee on most transactions

• Additional conversion fees when swapping currencies

• Withdrawal fees vary by network

What Works:

• Supports 2,000+ cryptocurrencies

• Shopping cart plugins for major e-commerce platforms

• Multi-signature wallet security

• Vault storage options

The Limitations:

• Dated interface

• Higher effective fees when factoring conversions

• Custodial by default (they hold your keys)

• Slower innovation cycles

• Complex compliance in certain jurisdictions

CoinPayments is the safe choice for businesses already comfortable with crypto. But safe doesn't mean optimal. The platform feels like it stopped evolving somewhere around 2020.

Larecoin: The Web3-Native Contender

Now let's talk about what sets Larecoin apart from both.

Larecoin wasn't built as a payment processor that added crypto. It was built as a Web3-native ecosystem from day one. That distinction matters.

The Fee Advantage:

Larecoin's fee structure crushes the competition. Gas-only transfers mean you're not paying percentage-based fees that scale with transaction size. A $10,000 transaction doesn't cost 10x more than a $1,000 transaction.

For small businesses operating on tight margins? That's game-changing math.

Self-Custody Done Right:

Here's where it gets interesting.

Both NOWPayments and CoinPayments offer varying degrees of custody options. But Larecoin takes self-custody seriously. Your keys. Your crypto. Your control.

No intermediary holding your funds hostage. No custodial risk if a platform gets hacked or goes under. True ownership.

The LUSD Stablecoin Benefit:

Volatility kills small business cash flow planning. You accept $500 in Bitcoin today, it's worth $450 tomorrow. That's not sustainable.

Larecoin's ecosystem includes LUSD, a stablecoin solution designed specifically for merchant use cases. Accept crypto from customers, settle in stable value. Simple.

No more sweating price swings overnight.

NFT Receipts: The Feature Nobody Knew They Needed

This is where Larecoin genuinely innovates beyond the competition.

Traditional receipts? Paper that gets lost. PDFs that clog inboxes. Neither provides real utility.

NFT receipts change everything.

Each transaction generates a blockchain-verified receipt as an NFT. This means:

• Immutable proof of purchase for warranty claims

• Automated loyalty tracking without clunky apps

• Resale verification for secondary markets

• Tax documentation that's permanently accessible

Neither NOWPayments nor CoinPayments offers anything close to this. They're stuck in the Web2 receipt paradigm while Larecoin pushes into Web3.

For small businesses building long-term customer relationships? NFT receipts create tangible value beyond the initial transaction.

US Compliance: The Elephant in the Room

Let's address the uncomfortable truth. Most crypto payment processors operate in a regulatory gray zone in the United States.

Larecoin takes compliance seriously.

The MSB and State MTL Strategy:

Larecoin is pursuing Money Services Business (MSB) registration at the federal level and state-by-state Money Transmitter Licenses (MTL) where required.

This isn't cheap. This isn't easy. But it's necessary.

Why does this matter for your small business?

• Legal protection when accepting crypto payments

• Banking relationships that don't get suddenly terminated

• Customer confidence in a legitimately operated platform

• Future-proofing against regulatory crackdowns

NOWPayments operates from Estonia. CoinPayments from Canada. Neither has the same US-focused compliance infrastructure.

If you're running an American small business, regulatory clarity isn't optional. It's essential.

The Feature Comparison Table

Feature	Larecoin	NOWPayments	CoinPayments
Fee Structure	Gas-only transfers	0.5-1%	0.5%+ conversions
Self-Custody	Native	Available	Custodial default
Stablecoin	LUSD ecosystem	Via conversion	Via conversion
NFT Receipts	Yes	No	No
US Compliance	MSB + MTL strategy	Limited	Limited
Crypto Support	Multi-chain	300+	2,000+
Setup Time	Minutes	Under 5 min	10-15 min

Real Talk: Which Platform Fits Your Business?

Choose NOWPayments if:

• You need maximum cryptocurrency variety

• You're outside the US

• Speed of setup is your only priority

• You don't care about innovative features

Choose CoinPayments if:

• You're already embedded in their ecosystem

• You prefer established platforms over newer options

• E-commerce plugin compatibility matters most

• You're comfortable with custodial solutions

Choose Larecoin if:

• Fee savings directly impact your bottom line

• Self-custody and true ownership matter

• You want Web3-native features like NFT receipts

• US regulatory compliance is non-negotiable

• You're building for the future, not just surviving today

The Bottom Line

Small businesses can't afford to choose wrong. Crypto payment infrastructure isn't something you swap out easily once customers start using it.

NOWPayments and CoinPayments have their place. They're functional. They work.

But functional isn't the same as optimal.

Larecoin delivers genuine innovation. Fee structures that respect your margins. Self-custody that protects your assets. NFT receipts that create customer value. Compliance infrastructure that keeps you legal.

The crypto POS market is evolving fast. The question isn't whether you'll accept crypto payments. It's whether you'll choose a platform that grows with you or one that holds you back.

Ready to explore what Web3-native payments actually look like?

Check out the Larecoin ecosystem and see the difference for yourself.

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This post is part of the Larecoin 10-Year Blog Marathon. Building the future of Web3 payments, one post at a time.