Larecoin Vs NOWPayments: Which Crypto POS System Actually Puts Small Businesses First?

Small businesses are bleeding money. Every swipe. Every tap. Every transaction.

Traditional payment processors have been siphoning profits for decades. Credit card interchange fees alone eat 2-4% of every sale. For a business running on thin margins? That's brutal.

Crypto payment solutions promised a way out. But not all of them deliver.

Today, we're breaking down the real differences between Larecoin and NOWPayments. Two crypto POS systems. Two very different philosophies. One clear winner for small business owners who actually want to keep their money.

Let's get into it.

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The Small Business Fee Crisis

Here's the reality check.

The average small business processes around $480,000 annually in card payments. At a 3% interchange fee? That's $14,400 gone. Every single year. Just for the privilege of accepting payments.

Crypto payment processors emerged as the alternative. Lower fees. Faster settlements. No chargebacks.

But here's where it gets murky.

Not every crypto POS system is built with small businesses in mind. Some cater to enterprises. Some prioritize volume over value. And some? They just replicate the same extractive fee structures in a shinier Web3 package.

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NOWPayments: The Quick Rundown

NOWPayments is a popular crypto payment gateway. Founded in 2019. Supports 200+ cryptocurrencies. Offers plugins for major e-commerce platforms like WooCommerce, Shopify, and PrestaShop.

What they do well:

• Wide crypto support

• Simple API integration

• Subscription billing options

• Multi-currency checkout

Where they fall short for small businesses:

NOWPayments charges 0.5% to 1% per transaction. Sounds low, right? But that's just the beginning.

Volatility is the real killer. When a customer pays in Bitcoin or Ethereum, the value can swing wildly before settlement. NOWPayments offers auto-conversion to stablecoins, but that conversion process? More fees. More slippage. More money leaving your pocket.

Plus, there's the custody question. Your funds sit in their system until withdrawal. That's not self-custody. That's trusting a third party with your revenue.

For small businesses watching every dollar? That's a problem.

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Larecoin: Built Different

Larecoin didn't set out to be another crypto payment processor.

We built a complete Web3 payments ecosystem designed specifically to give merchants control, cut fees, and actually grow their business.

Here's what makes Larecoin fundamentally different:

1. Slash Interchange Fees by 50%+

This isn't marketing fluff. It's math.

Larecoin's fee structure is designed to cut your processing costs in half compared to traditional credit cards. We're talking sub-1% transaction fees across the board.

For that same business processing $480,000 annually? You're looking at $7,000+ back in your pocket every year. That's not savings. That's survival money for small businesses.

2. LUSD: Stability Without the Volatility Tax

Here's where most crypto payment systems fail merchants.

Bitcoin. Ethereum. Solana. They're great assets. Terrible for daily commerce. A 5% price swing during the settlement window can wipe out your margins entirely.

LUSD is Larecoin's stablecoin solution.

Pegged. Stable. Predictable.

When customers pay, you receive LUSD. No conversion anxiety. No watching charts while waiting for settlement. No volatility tax eating into your profits.

You know exactly what you're getting. Every time.

3. NFT Receipts: Your Secret Weapon Against Fraud

This is the innovation NOWPayments simply doesn't have.

Every Larecoin transaction generates an immutable NFT receipt on the blockchain. Not a gimmick. A game-changer.

Why this matters for small businesses:

NOWPayments gives you transaction IDs. Larecoin gives you legally defensible, tamper-proof digital receipts.

4. True Self-Custody

Here's the uncomfortable truth about most crypto payment processors.

Your money isn't really yours until you withdraw it.

NOWPayments holds your funds. CoinPayments holds your funds. The entire centralized payment processor model is built on holding your money as long as possible.

Larecoin operates on self-custody principles.

Your wallet. Your keys. Your money.

Funds flow directly to your merchant wallet. No intermediary holding periods. No withdrawal minimums. No trusting a third party with your revenue stream.

This is what financial sovereignty actually looks like for merchants.

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Head-to-Head: The Numbers Don't Lie

Feature	NOWPayments	Larecoin
Transaction Fees	0.5-1% + conversion fees	Sub-1%, no hidden fees
Stablecoin Option	Auto-conversion (with slippage)	Native LUSD (no conversion needed)
NFT Receipts	❌	✅
Self-Custody	❌ (Custodial)	✅ (True self-custody)
Chargeback Protection	Basic	NFT-based proof of purchase
Settlement Speed	Variable	Near-instant
Small Business Focus	Enterprise-leaning	Purpose-built for SMBs

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The Self-Custody Revolution

Let's zoom out for a second.

Web3 isn't just about accepting crypto payments. It's about reclaiming control of your financial infrastructure.

For decades, small businesses have been at the mercy of:

• Banks that freeze accounts without warning

• Payment processors that change fee structures overnight

• Intermediaries that hold funds for "review"

Self-custody changes everything.

When you control your wallet, no one can freeze your funds. No one can increase your fees without consent. No one can decide whether your business is "acceptable" enough to process payments.

Larecoin is building the infrastructure for financially sovereign merchants.

NOWPayments is building another centralized gateway with crypto lipstick.

Big difference.

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Real Talk: Who Should Use What?

NOWPayments might work if you:

• Need to accept 200+ different cryptocurrencies

• Don't mind custodial solutions

• Run high-volume enterprise operations

• Aren't concerned about volatility during settlement

Larecoin is built for you if you:

• Want to slash payment processing costs by 50%+

• Value stability over speculation (LUSD)

• Need bulletproof chargeback protection (NFT receipts)

• Believe your money should stay in your wallet

• Run a small-to-medium business watching every margin point

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The Bottom Line

Small businesses don't need another payment processor extracting value.

They need infrastructure that puts money back in their pocket.

Larecoin delivers:

• 50%+ fee reduction vs traditional processors

• LUSD stablecoin for volatility-free transactions

• NFT receipts for fraud protection and simplified accounting

• True self-custody for financial sovereignty

NOWPayments is a fine product. But "fine" doesn't cut it when you're fighting for every percentage point of margin.

Small businesses deserve better. Larecoin was built to deliver exactly that.

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Ready to Take Control?

Stop letting payment processors dictate your margins.

Explore what Larecoin can do for your business at larecoin.com.

The future of merchant payments is self-custody, stability, and sovereignty.

Welcome to the revolution.