NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Actually Delivers for Small Businesses?

Small business owners are bleeding money. Traditional payment processors take 2.5-3.5% of every transaction. That's thousands of dollars annually walking out the door.

Crypto POS systems promise a fix. Lower fees. Faster settlements. No chargebacks.

But which one actually delivers?

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

The Small Business Payment Problem

Here's the reality.

Running a $500,000/year business? Traditional processors take roughly $15,000 in fees. That's rent money. That's an employee salary. That's your profit margin, gone.

Crypto payment solutions exist to slash those costs. The question is: which platform gives small businesses the best deal?

Meet the Contenders

NOWPayments

The enterprise favorite. NOWPayments supports 150+ cryptocurrencies and positions itself as a non-custodial solution. They've carved out space with developers who need API flexibility.

Best for: Tech-savvy businesses prioritizing token variety and auditability.

CoinPayments

The veteran player. CoinPayments keeps things simple with a flat 0.5% processing fee. Easy setup. Traditional approach.

Best for: Retailers wanting straightforward crypto acceptance without complexity.

Larecoin

The Web3-native newcomer. Larecoin takes a different approach entirely, gas-only transfers, native LUSD stablecoin, NFT receipts, and complete self-custody through Smart Wallets.

Best for: Businesses wanting maximum fee reduction and modern Web3 features.

Processing Fees: The Numbers That Matter

Let's talk money. Because that's why you're here.

Platform	Processing Fee	Payout Fee	Annual Cost (on $500K volume)
NOWPayments	0.5-1%	None	$2,500-$5,000
CoinPayments	0.5%	Varies	$2,500+
Larecoin	Gas only	None	Under $2,000

NOWPayments charges 0.5-1% with no payout fees. Reasonable. CoinPayments sits at a flat 0.5%.

Larecoin? Gas-only transfers.

That means you're paying network fees, not percentage cuts. For a $500,000 annual volume business, that drops costs to under $2,000. We're talking 50%+ savings compared to other crypto processors.

And compared to traditional payment processors? The difference is staggering.

Custody: Who Actually Controls Your Money?

This is where things get serious.

Custody determines whether you own your funds or someone else holds them hostage. In crypto, this distinction matters more than anywhere else.

NOWPayments: Non-custodial. Your funds go directly to your wallet. The platform never holds your money.

CoinPayments: Custodial. They hold your funds, process them, then release. You're trusting a third party.

Larecoin: Self-custody via Smart Wallet. Direct merchant-to-customer transactions. No intermediaries touching your revenue.

For businesses prioritizing financial sovereignty, the choice becomes clear. Self-custody merchant accounts eliminate counterparty risk entirely.

Your money. Your wallet. Your control.

Feature Breakdown: Beyond Basic Payments

Processing fees grab attention. Features determine long-term value.

Token Support

• NOWPayments: 150+ cryptocurrencies. Maximum flexibility.

• CoinPayments: Multiple tokens. Less variety.

• Larecoin: Optimized selection plus native LUSD stablecoin.

Settlement Speed

• NOWPayments: Approximately 5 minutes.

• CoinPayments: Minutes to hours. Varies.

• Larecoin: Near-instant settlement.

Waiting hours for funds? That's not how modern businesses operate.

Setup Complexity

• NOWPayments: High. Requires API integration and technical resources.

• CoinPayments: Low. Plug-and-play for traditional retailers.

• Larecoin: Low. QR-based checkout. No hardware required. Smartphone-ready.

NFT Receipts: Game-Changer for Accounting

Here's something neither NOWPayments nor CoinPayments offer: NFT receipts.

Every Larecoin transaction generates a blockchain-verified receipt. Immutable. Transparent. Permanent.

Why does this matter?

For accounting: Every transaction lives on-chain. No disputes. No lost paperwork. Audits become simple.

For compliance: Transparent records satisfy regulatory requirements without additional documentation.

For customers: Proof of purchase that can't be altered or deleted.

NFT receipts for accounting transform how small businesses handle financial records. The blockchain becomes your bookkeeper.

LUSD Stablecoin: Stability in Volatile Markets

Crypto volatility scares merchants. Rightfully so.

Accepting Bitcoin at $65,000 only to see it drop to $60,000 before conversion? That's a 7.6% loss. Worse than credit card fees.

Larecoin solves this with native LUSD stablecoin integration.

LUSD stablecoin benefits:

• Dollar-pegged stability

• No conversion anxiety

• Predictable accounting

• Immediate settlement without exchange delays

Accept crypto. Receive stable value. Keep your margins intact.

Other platforms rely on third-party stablecoin integrations. Larecoin builds it natively into the ecosystem.

Web3 Global Payments: Beyond Borders

Small businesses aren't just local anymore.

E-commerce merchants sell internationally. Service providers work with clients worldwide. Traditional payment systems make cross-border transactions expensive and complicated.

Web3 global payments eliminate these barriers.

No currency conversion fees. No international wire charges. No banking delays.

A customer in Tokyo pays. A merchant in Miami receives. Settlement happens in minutes: not days.

The receivables token model transforms how businesses manage international cash flow. Payments become programmable assets.

Which Platform Fits Your Business?

Let's cut through the noise.

Choose NOWPayments if:

• You need 150+ token support

• Your team has technical resources for API integration

• Enterprise-level auditability is priority one

Choose CoinPayments if:

• Simplicity matters most

• You want traditional crypto acceptance without learning curves

• Basic functionality meets your needs

Choose Larecoin if:

• Reducing merchant interchange fees is critical

• Self-custody and financial sovereignty matter

• NFT receipts, native stablecoin, and Web3 features align with your vision

• You want smartphone-based checkout without hardware investment

For small businesses specifically, the fee structure tells the story. Gas-only transfers mean keeping more of what you earn.

Discover more about how Larecoin's ecosystem works at larecoin.com.

The Real Cost of Payment Processing

Let's zoom out.

A small business processing $500,000 annually:

• Traditional processors: ~$15,000 in fees

• NOWPayments/CoinPayments: ~$2,500-$5,000

• Larecoin: Under $2,000

Over five years, choosing the right crypto POS system means keeping $50,000+ in your pocket instead of payment processors'.

That's not marginal. That's transformative.

The Bottom Line

NOWPayments excels at token variety and enterprise features. CoinPayments offers simplicity. Both represent solid NOWPayments alternatives and CoinPayments alternatives to traditional payment processing.

Larecoin targets what small businesses actually need: maximum fee reduction, self-custody, and Web3-native features that competitors simply don't offer.

NFT receipts. Native LUSD. Gas-only transfers. Smartphone checkout.

The crypto POS system for small business isn't about accepting Bitcoin. It's about reclaiming profit margins stolen by legacy payment infrastructure.

Bank-free business operations aren't the future. They're available now.

The question isn't whether crypto payments make sense for small businesses. The question is which platform delivers the most value.

Run the numbers. Check the features. Make the call.

Your bottom line will thank you.