Larecoin Vs NOWPayments Vs CoinPayments: Which Crypto POS System Wins for Small Business?

Choosing a crypto POS system isn't just a tech decision. It's a business survival decision.

Small businesses don't have the luxury of absorbing bloated fees. Every percentage point counts. Every delay in settlement hurts cash flow. And every middleman standing between you and your crypto? That's one more hand in your pocket.

So let's break this down. NOWPayments. CoinPayments. Larecoin. Three crypto payment processors fighting for your business.

Which one actually wins for small merchants in 2026?

The Real Problem Nobody Talks About

Here's the truth most crypto payment articles won't tell you:

Most crypto POS systems weren't built for small businesses.

They were built for enterprise. For platforms with dedicated accounting teams. For merchants who can afford to wait days for fiat conversion.

Small businesses need something different:

• Fees that don't eat into thin margins

• Instant access to usable funds

• Full control over your crypto

• Simple tools that don't require a blockchain developer

Let's see how each platform stacks up.

NOWPayments: The Crypto Flexibility Champion

NOWPayments is a solid choice if you want options. Lots of them.

What they offer:

• 300+ cryptocurrencies supported

• 30+ stablecoins

• Non-custodial model (you keep your keys)

• Processing fees between 0.5-1%

That's impressive on paper. And for businesses wanting to accept obscure altcoins? It works.

The downside?

Fiat conversion requires external tools. That means delays. That means extra steps. That means friction between accepting payment and actually using those funds for payroll, inventory, or rent.

For a small coffee shop accepting crypto? Those delays matter. A lot.

NOWPayments excels at crypto flexibility. But it stops short of a complete merchant solution.

CoinPayments: The Established Player

CoinPayments has been around. They've built integrations with major e-commerce platforms. They're familiar.

What they offer:

• Established brand reputation

• Multiple e-commerce integrations

• Multi-coin support

The downside?

Details get fuzzy. Fee structures aren't always transparent. Settlement speeds vary. And for small businesses looking for cutting-edge features? CoinPayments feels dated.

It works. But "works" isn't the same as "wins."

Larecoin: Built Different for Small Business

Here's where things get interesting.

Larecoin wasn't designed to compete on cryptocurrency count. It was designed to solve the actual problems small merchants face.

What Larecoin offers:

• Pennies in gas fees (not percentages)

• Instant LUSD stablecoin conversion

• Push-to-card for immediate fiat access

• NFT receipts for immutable transaction records

• Self-custody philosophy

• Contactless POS integration

The Fee Advantage

Let's talk numbers.

NOWPayments charges 0.5-1% per transaction. Sounds small. Until you do the math.

$50,000 in monthly crypto sales at 1% fees = $500 gone.

Larecoin operates on gas-only transfers. We're talking pennies. Not percentages.

Over a year? That's potentially thousands of dollars staying in your business instead of disappearing into processor pockets.

LUSD: The Stablecoin Game-Changer

Volatility kills small business crypto adoption. You accept $100 in Bitcoin. By settlement? It's worth $87. Or $112. Nobody knows.

LUSD eliminates that chaos.

Larecoin's instant conversion to LUSD locks in value the moment a transaction completes. No waiting. No hoping the market doesn't tank before you can pay suppliers.

Then? Push-to-card functionality puts actual spendable fiat in your hands. Immediately.

That's the difference between crypto as a gimmick and crypto as real business infrastructure.

NFT Receipts: Not Just a Buzzword

Every Larecoin transaction can generate an NFT receipt.

Why does that matter?

• Immutable proof of every transaction

• Simplified accounting with blockchain-verified records

• Customer trust through transparent, verifiable purchases

• Dispute resolution backed by unchangeable data

Traditional receipts get lost. Get disputed. Get manipulated.

NFT receipts don't.

For small businesses dealing with chargebacks and accounting headaches? This is real innovation.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	Varies	Pennies (gas only)
Crypto Options	300+	Multiple	Focused ecosystem
Fiat Conversion	External required	Limited	Instant LUSD + push-to-card
Settlement Speed	Delayed	Varies	Immediate
Self-Custody	Yes	Partial	Core philosophy
NFT Receipts	No	No	Yes
Small Business Focus	Limited	Limited	Primary design goal

The pattern is clear.

NOWPayments wins on crypto variety. CoinPayments wins on legacy integrations.

Larecoin wins on what actually matters for small business profitability.

Self-Custody: Your Crypto, Your Control

Here's something most merchants overlook until it's too late.

When you use a custodial payment processor, you don't actually own your crypto. They do. You're trusting them to give it back. To not get hacked. To not freeze your account.

History shows that trust gets violated. Regularly.

Larecoin champions self-custody. Your keys. Your coins. Your control.

That's not just philosophy. That's protection. That's merchant freedom in its purest form.

No permission needed to access your own funds. No third-party deciding whether your business is "approved." No sudden policy changes locking you out.

Decentralization isn't just a buzzword. It's your independence.

What Small Businesses Actually Need

Let's recap the reality of running a small business with crypto:

You need:

• ✅ Fees that don't destroy margins

• ✅ Instant access to usable funds

• ✅ Protection from volatility

• ✅ Control over your assets

• ✅ Simple, modern tools

• ✅ Verifiable transaction records

You don't need:

• ❌ 300 different altcoins nobody uses

• ❌ Complex external conversion tools

• ❌ Days waiting for settlement

• ❌ Percentage-based fees eating profits

Larecoin was built around the first list. Not the second.

The Verdict

NOWPayments works if crypto flexibility is your primary goal and you don't mind extra steps for fiat conversion.

CoinPayments works if you need established integrations and don't mind a legacy experience.

Larecoin wins if you're a small business owner who cares about:

• Keeping more of every transaction

• Getting funds immediately

• Maintaining full control

• Using innovative tools like NFT receipts

• Avoiding volatility with LUSD

This isn't about which platform is oldest or has the most coins.

It's about which platform actually solves your problems.

For small businesses ready to embrace crypto without sacrificing profitability or control? The answer is clear.

Ready to Switch?

Stop bleeding fees to middlemen. Stop waiting days for your own money. Stop trusting third parties with your assets.

Explore Larecoin's merchant solutions and see what crypto payments built for small business actually looks like.

Your business deserves better than percentage-based fees and conversion delays.

Larecoin delivers better. Every transaction. Every time.