NOWPayments Vs CoinPayments Vs Larecoin: Which Crypto POS System Actually Saves Small Businesses Money?

Small businesses are bleeding money. Processing fees. Interchange costs. Hidden charges buried in fine print.

Traditional payment systems take 2.5-3.5% per transaction. That's thousands of dollars annually, gone.

Crypto POS systems promise a fix. But which one actually delivers?

Let's break down NOWPayments, CoinPayments, and Larecoin. No fluff. Just the numbers that matter to your bottom line.

The Problem With Legacy Payment Processing

Here's the deal. Every time a customer swipes a card at your shop, you're losing money.

Visa and Mastercard interchange fees average 1.5-2.5%. Add payment processor fees on top. Suddenly, you're surrendering 3%+ of every sale.

For a business doing $500K annually? That's $15,000+ evaporating into thin air.

Crypto payment systems emerged as the solution. Lower fees. Faster settlements. No chargebacks.

But not all crypto POS platforms are created equal.

NOWPayments: The Wide Net Approach

NOWPayments supports 300+ cryptocurrencies. Impressive range.

The Fee Structure:

• 0.5% for single-currency transactions

• 1% for multi-currency exchanges

• Customizable network fee options

The Good:

• Non-custodial design (you control your keys)

• Supports 30+ stablecoins

• API integrations for e-commerce

• Batch payout options

The Not-So-Good:

• Gas fees can spike unexpectedly

• No built-in accounting solutions

• Limited POS hardware integration

• Customer support inconsistencies reported

NOWPayments works. It's functional. It gets the job done for online merchants.

But small businesses with physical storefronts? Different story.

CoinPayments: The Veteran Player

CoinPayments has been around since 2013. That's dinosaur territory in crypto years.

The Fee Structure:

• 0.5% for single-currency transactions

• 1% for conversions

• Gas fees placed on the payer

The Good:

• Established track record

• 40+ cryptocurrencies supported

• Shopping cart plugins available

• Higher institutional credibility

The Not-So-Good:

• More custodial approach (less control)

• Fewer supported tokens than NOWPayments

• Interface feels dated

• Limited innovation in recent years

CoinPayments is reliable. Dependable. The Honda Civic of crypto payment processors.

But reliable doesn't mean revolutionary.

Larecoin: Built Different

Here's where things get interesting.

Larecoin didn't just copy the existing crypto payment playbook. The entire ecosystem was engineered from scratch with one goal: slash costs for merchants.

The Core Advantage: Larecoin cuts interchange fees by 50% compared to legacy payment systems. That's not marketing speak. That's real money staying in your register.

The Ecosystem:

• LARE: The receivables token powering the network

• LUSD: Stablecoin for price stability during transactions

• LarePAY: Merchant payment processing

• LareBlocks: The underlying infrastructure

What Makes It Different:

Self-Custody Smart Wallet

Your money. Your keys. Your control.

The Larecoin Smart Wallet isn't just storage. It's your entire merchant backend in one place. Accept payments. Track transactions. Manage settlements.

No middlemen holding your funds hostage.

QR-Generated POS System

Forget expensive hardware. Forget clunky card readers.

Larecoin's QR-based POS system works on any device. Customer scans. Payment confirmed. Done.

Setup takes minutes. Not days.

NFT Receipts (Yes, Really)

This is where Larecoin gets genuinely innovative.

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

Tax season? Your accountant will thank you.

Audits? Everything's documented automatically.

Disputes? Good luck arguing with blockchain-verified records.

No other crypto POS system offers this level of accounting integration out of the box.

The Real Fee Comparison

Let's talk numbers. Because that's what matters.

Platform	Base Fee	Conversion Fee	Hidden Costs
NOWPayments	0.5%	1%	Variable gas
CoinPayments	0.5%	1%	Gas on payer
Larecoin	Lower	Minimal	Transparent

Traditional payment processors? 2.5-3.5%.

The difference compounds fast.

Annual Savings Example (Based on $300K in transactions):

• Legacy processor at 3%: $9,000 in fees

• NOWPayments at 0.5-1%: $1,500-$3,000 in fees

• Larecoin ecosystem: Even lower with self-custody benefits

That's your marketing budget. Your inventory expansion. Your profit margin.

Beyond Fees: What Small Businesses Actually Need

Raw transaction costs tell only part of the story.

Small businesses need:

• Simple setup (no IT department required)

• Reliable customer support

• Integration with existing systems

• Accounting-friendly records

• Price stability during settlement

NOWPayments covers basics but lacks physical retail polish.

CoinPayments offers stability but feels stuck in 2018.

Larecoin addresses the complete picture. The crypto ecosystem includes everything from Web3 payments to NFT-based record keeping.

The Settlement Speed Factor

Time is money. Literally.

Traditional credit card settlements take 2-3 business days. Sometimes longer.

Crypto settlements? Near-instant.

But here's the catch: volatility.

If Bitcoin drops 5% while waiting for conversion, your profits evaporate.

Larecoin's LUSD stablecoin solves this. Accept payment in crypto. Settle in stable value. No pricing anxiety.

Your $100 sale stays a $100 sale.

Implementation Reality Check

Switching payment systems sounds scary. It doesn't have to be.

NOWPayments Integration:

• API-focused

• Best for online stores

• Requires developer involvement for custom setups

CoinPayments Integration:

• Plugin-based for major platforms

• Moderate technical knowledge needed

• Documentation could be better

Larecoin Integration:

• QR-based POS works immediately

• Smart Wallet setup in minutes

• No coding required for basic implementation

• Merchant portal handles everything

The Verdict: Which One Actually Saves Money?

All three platforms beat traditional payment processors. That's table stakes in 2026.

Choose NOWPayments if:

• You're purely online

• You need maximum cryptocurrency variety

• You have technical resources available

Choose CoinPayments if:

• You value track record over innovation

• You need basic e-commerce plugins

• You're comfortable with custodial services

Choose Larecoin if:

• You want the lowest possible fees

• You have a physical storefront

• You value self-custody and security

• You need accounting integration (NFT receipts)

• You want one ecosystem handling everything

For small businesses serious about cutting costs, Larecoin's 50% interchange reduction versus legacy systems isn't just competitive.

It's transformative.

The LarePAY merchant tools, QR-based POS, and Smart Wallet create an integrated system competitors simply haven't built yet.

Ready to Stop Overpaying?

Every transaction processed through legacy systems costs you money. Every month you wait is money lost.

The math is simple. The choice is yours.

Check out Larecoin and see what your business could be saving.