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

Small business owners know the pain. Credit card processors eating into margins. Slow settlements. Zero control over your funds.

Web3 payment solutions promise relief. But which one actually delivers?

Let's break down the three major players: Larecoin, NOWPayments, and CoinPayments. No fluff. Just facts that matter for your bottom line.

The Fee Problem Every Small Business Faces

Traditional payment processors charge 2.5-3.5% on every transaction. Run $500,000 through your business annually? That's $12,500-$17,500 gone. Just like that.

Crypto payment processors slash those fees dramatically. But not all platforms cut equally deep.

Here's the reality:

Platform	Annual Processing Cost (on $500K volume)	Fee Structure
Traditional Processors	$12,500 - $17,500	2.5-3.5%
NOWPayments	~$5,000	0.5-1%
CoinPayments	~$5,000	0.5-1%
Larecoin	Under $2,000	Gas-only transfers

Larecoin's gas-only transfer model crushes the competition. We're talking 50%+ savings compared to other crypto processors. And 85%+ savings versus traditional payment rails.

That's real money back in your pocket. Every single month.

Processing Speed: Time Is Money

Your customer taps. Pays. Now what?

NOWPayments: Approximately 5-minute processing. Consistent. Reliable. Customizable network fees let you adjust speed vs. cost.

CoinPayments: Variable. Sometimes minutes. Sometimes hours. This unpredictability creates operational headaches for busy merchants.

Larecoin: Near-instant settlement. Built on Solana's high-speed architecture. Your funds arrive fast.

For small businesses juggling inventory, payroll, and cash flow: speed matters. CoinPayments' inconsistency is a dealbreaker for many merchants. NOWPayments delivers solid performance. But Larecoin's near-instant settlements on Solana? That's next-level efficiency.

The Custody Question: Who Controls Your Money?

This is where things get serious.

Traditional payment processors hold your funds. Sometimes for days. Sometimes with rolling reserves. You're essentially asking permission to access your own money.

Crypto payment solutions vary wildly on this:

CoinPayments: Custodial model. They hold your funds before releasing them. Old-school approach wrapped in crypto packaging.

NOWPayments: Offers non-custodial options. Progress. But the default still routes through their system.

Larecoin: Full self-custody from day one. Payments route directly to your wallet. No middleman. No permission needed. Your keys. Your crypto. Your sovereignty.

Self-custody isn't just a philosophical stance. It's practical protection. Platform hacks. Freezes. Shutdowns. When you control your funds, these nightmares don't affect you.

Web3 payments demand Web3 principles. Self-custody is non-negotiable.

LUSD Stablecoin: Stability Meets Innovation

Volatility concerns stop many merchants from accepting crypto. Understandable. Nobody wants a $100 payment worth $80 by end of day.

Stablecoin integration solves this. All three platforms support stablecoins:

• NOWPayments: 30+ stablecoins supported

• CoinPayments: Multiple stablecoin options

• Larecoin: Native LUSD stablecoin integration

Here's the difference: Larecoin's LUSD isn't just supported: it's native to the ecosystem. Designed specifically for merchant payments. Optimized for the Larecoin network.

No third-party conversions. No additional fees. Seamless stability built into every transaction.

Your customers pay. You receive stable value. Simple.

NFT Receipts: Records That Actually Work

Paper receipts? Outdated. Digital PDFs? Better. But still siloed. Still losable.

Larecoin introduces NFT receipts. Every transaction generates an immutable, on-chain record.

Why this matters for small businesses:

• Audit-ready documentation : Tax season becomes dramatically easier

• Dispute resolution : On-chain proof settles chargebacks fast

• Customer trust : Transparent, verifiable transaction history

• Automated accounting : Smart integration with your bookkeeping systems

NOWPayments and CoinPayments offer standard transaction records. Functional. Basic.

NFT receipts represent the future of business documentation. Larecoin delivers it today.

Cryptocurrency Support: Quantity vs. Quality

Numbers game time:

• CoinPayments: 2,000+ cryptocurrencies supported

• NOWPayments: 300+ cryptocurrencies, 30+ stablecoins

• Larecoin: Focused ecosystem with LARE token and LUSD stablecoin

CoinPayments wins on raw numbers. Longest track record too: launched in 2013.

But here's the thing. Do your customers actually pay with 2,000 different cryptocurrencies? Probably not.

Most crypto payments happen in major coins and stablecoins. Bitcoin. Ethereum. Solana. USDC. USDT.

Larecoin focuses on what matters. Quality integration over bloated support lists. The LARE ecosystem provides everything most merchants need without the complexity.

NOWPayments strikes a middle ground. Established since 2019. Solid reputation. Reasonable selection.

The Contactless POS Advantage

Online payments? All three platforms handle that.

But what about brick-and-mortar? Physical retail? Pop-up shops?

Larecoin's contactless POS system brings Web3 payments to the real world. Accept crypto in-person. Same low fees. Same self-custody. Same NFT receipts.

NOWPayments and CoinPayments primarily focus on e-commerce integrations. Brick-and-mortar support exists but lacks the seamless experience Larecoin provides.

For omnichannel small businesses: those selling online AND in-person: this matters. One payment system across all touchpoints.

Platform Maturity: Experience vs. Innovation

Let's address this directly.

CoinPayments launched in 2013. NOWPayments in 2019. Both have track records.

Larecoin is newer. Fresh. Less established market presence.

That's the trade-off.

Choose NOWPayments if:

• Established reputation matters most

• You want a "safe" choice

• Moderate fee savings (40% vs. traditional) satisfy your needs

Choose CoinPayments if:

• You absolutely need obscure cryptocurrency support

• Track record outweighs performance concerns

• You accept custodial limitations and variable processing times

Choose Larecoin if:

• Lowest fees are your priority

• Self-custody is non-negotiable

• NFT receipts and innovation appeal to you

• You want a contactless POS solution

• Financial sovereignty drives your decisions

The Verdict: What's Best for YOUR Small Business?

There's no universal answer. Your priorities determine your choice.

NOWPayments delivers reliability. Moderate savings. Solid middle ground. If you're risk-averse but want crypto payments, it's defensible.

CoinPayments shows its age. Variable processing times. Custodial model. The extensive cryptocurrency list barely compensates for operational uncertainty. Skip unless you specifically need its niche coin support.

Larecoin represents the future. Lowest fees. True self-custody. NFT receipts. Native stablecoin. Contactless POS.

For small businesses serious about slashing merchant interchange fees by 50%+, Larecoin wins. The savings compound monthly. Annually. Over your business lifetime.

Financial sovereignty isn't just rhetoric. It's operational advantage.

Ready to Cut Your Payment Costs?

The math is simple. Lower fees = higher margins = business growth.

Explore what Larecoin offers at larecoin.com. Check out the full ecosystem breakdown. See the crypto payments solutions built specifically for merchants like you.

Small business payment processing is evolving. Position yourself ahead of the curve.

Your competitors are watching. Your margins are waiting.

Make the move.