NOWPayments Vs CoinPayments Vs Larecoin: Which Crypto POS System Actually Deserves Your Business?

Choosing a crypto POS system shouldn't feel like picking lottery numbers.

Yet here we are. Merchants drowning in options. Processing fees eating margins. Custodial nightmares keeping CFOs awake.

Three platforms keep surfacing in conversations: NOWPayments, CoinPayments, and Larecoin. Each promises the moon. But which one actually delivers?

Let's break it down. No fluff. Just facts.

The Crypto POS Landscape in 2026

The game has changed. Businesses aren't asking if they should accept crypto anymore. They're asking how.

Legacy payment processors charge 2.5-3.5% interchange fees. That's highway robbery when you're moving serious volume.

Crypto POS systems promise lower fees. Better control. Global reach.

But not all platforms are created equal.

NOWPayments: The Token Variety Play

What They Do

NOWPayments positions itself as a crypto acceptance layer. Think of it as a translator between your business and 300+ cryptocurrencies.

The Good Stuff

• 300+ supported cryptocurrencies

• 30+ stablecoins

• 0.5-1% processing fees

• Non-custodial approach

• Customizable network fee options

Where It Gets Tricky

NOWPayments operates from Saint Vincent and the Grenadines. That offshore registration means regulatory friction for businesses prioritizing compliance.

They've processed $10B+ since 2019. Solid track record.

But here's the catch: non-custodial means you handle security. You manage wallets. You own every operational headache.

For tech-savvy teams with internal crypto expertise? Works fine.

For everyone else? That's a steep learning curve.

Fee Structure

• 0.5-1% per transaction

• 0% payout fees

• Network fees customizable (absorb them or pass to customers)

Best For

Businesses needing niche token support. Teams comfortable managing their own crypto infrastructure.

CoinPayments: The Managed Service Approach

What They Do

CoinPayments runs the opposite playbook. Full-service. End-to-end. They handle compliance, wallet management, and fiat settlements.

The Good Stuff

• 40+ cryptocurrencies supported

• 21 stablecoins

• EU licensed

• Payment links

• OTC conversions for treasury management

• $28B+ processed since 2019

Where It Gets Tricky

Fewer token options than NOWPayments. If your customers want to pay in obscure altcoins, you're limited.

The managed service model means less control. Your funds flow through their system. Their rules. Their timelines.

And those fees? Still 0.5-1%. Not revolutionary.

Fee Structure

• 0.5-1% per transaction

• 0% payout fees

• No custom network-fee program

Best For

Businesses wanting crypto payments without the operational complexity. Teams prioritizing regulatory compliance over token variety.

Larecoin: The Ecosystem That Actually Gets It

Now we're talking.

Larecoin isn't just a payment processor. It's a complete receivables ecosystem built for merchants who are done getting squeezed by legacy fees.

The Headline Feature

Slash interchange fees by 50% compared to traditional payment systems.

Read that again. Fifty percent.

For a business processing $1M annually in card payments at 3% fees? That's $30,000 gone. With Larecoin's ecosystem? You're keeping $15,000 more in your pocket every year.

The Larecoin Ecosystem Breakdown

• LARE: The receivables token powering the entire system

• LUSD: Stablecoin for merchants who want stability

• LarePAY: Payment processing infrastructure

• LareBlocks: On-chain transaction verification

This isn't duct-taped together. It's engineered as a unified system.

What Makes Larecoin Different

Self-Custody Through the Larecoin Smart Wallet

Your keys. Your coins. Your control.

The Larecoin Smart Wallet isn't just storage. It's your command center for receiving payments, managing funds, and maintaining complete self-custody.

No middleman holding your assets. No third-party controlling when you can access your money.

Traditional crypto payment processors often act as intermediaries. Funds hit their wallets first. Then they route to you. Eventually.

With Larecoin? Direct settlement into your Smart Wallet. Period.

NFT Receipts: Tax Season Just Got Easier

Here's innovation that actually matters.

Every transaction generates an NFT receipt. Immutable. Timestamped. Permanently on-chain.

Your accountant will thank you. Your auditors will love you. And tax season becomes a data export instead of a document nightmare.

No more reconciling spreadsheets. No more hunting for paper receipts. Every transaction verified and ready for compliance review.

QR-Generated POS: Deploy in Minutes

Legacy POS systems require hardware. Installation. Training. Maintenance contracts.

Larecoin's QR-generated POS? Generate a code. Display it. Accept payments.

That's it.

Works on any device. No proprietary hardware. No monthly equipment rentals eating your margins.

Perfect for:

• Pop-up shops

• Food trucks

• Event vendors

• E-commerce checkouts

• Service businesses

Scale up or down instantly. Add new payment points without procurement cycles.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Fee Savings vs Legacy	~2%	~2%	50% reduction
Self-Custody	Partial	No	Yes (Smart Wallet)
NFT Receipts	No	No	Yes
QR POS Generation	Limited	No	Yes
Stablecoin Option	Yes	Yes	Yes (LUSD)
Ecosystem Integration	Basic	Basic	Full (LarePAY, LareBlocks)
Regulatory Approach	Offshore	EU Licensed	Decentralized

The Fee Math That Matters

Let's get specific.

Scenario: Coffee Shop Processing $500K Annually

Traditional card processing @ 2.9%: $14,500 in fees

NOWPayments @ 1%: $5,000 in fees

CoinPayments @ 1%: $5,000 in fees

Larecoin ecosystem (50% savings vs legacy): $7,250 or less

But wait. Larecoin's savings compound when you factor in:

• No hardware costs

• No monthly gateway fees

• No interchange markups

• Direct settlement reducing float

Real-world savings? Often exceeding the 50% headline number.

Why Receivables Tokens Change Everything

LARE isn't just a payment mechanism. It's a receivables token.

Traditional payment systems work on IOUs. Promises. Settlement windows.

With LARE and the Larecoin ecosystem, receivables become liquid assets immediately. Verify on LareBlocks. Hold in your Smart Wallet. Convert through LUSD if you want stability.

This fundamentally changes cash flow management for businesses.

No more waiting 3-5 business days for card settlements. No more weekend banking delays. No more payment processor holds on your funds.

Instant finality. Complete transparency.

Who Should Use What

Choose NOWPayments If:

• You need 300+ token support

• Your team has crypto infrastructure experience

• Regulatory compliance isn't your top priority

• You're comfortable managing security internally

Choose CoinPayments If:

• You want a managed service

• EU compliance matters

• You need OTC conversions

• Token variety isn't critical

Choose Larecoin If:

• Fee reduction is your priority

• You want self-custody without the complexity

• NFT receipts solve your accounting headaches

• You need flexible QR-based POS deployment

• You're building for the future of commerce

The Verdict

NOWPayments and CoinPayments solve a problem from 2019. They bridge crypto to traditional commerce.

Larecoin builds for 2026 and beyond. The ecosystem approach: LARE, LUSD, LarePAY, LareBlocks, Smart Wallet: creates infrastructure that legacy processors can't match.

The 50% fee reduction isn't a gimmick. It's the economic reality of cutting out intermediaries.

NFT receipts aren't a flex. They're the future of financial record-keeping.

QR-generated POS isn't a shortcut. It's how modern payment deployment should work.

Your business deserves better than interchange fee extraction and custodial risk.

Ready to see what a proper crypto POS ecosystem looks like? Check out Larecoin and start building payments infrastructure that actually works for you.