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

Small business owners know the pain. Every swipe. Every tap. Every transaction. Interchange fees eating into margins like termites.

Legacy payment processors charging 2.5% to 3.5% per transaction? That's money walking out the door.

Crypto payment gateways promise relief. But which one actually delivers?

Let's break down NOWPayments, CoinPayments, and Larecoin. No fluff. Just facts about what saves you actual money.

The Interchange Fee Problem Nobody Talks About

Traditional payment rails are expensive. Period.

Visa and Mastercard networks charge interchange fees that stack up fast. For a small business processing $50,000 monthly, that's potentially $1,500+ vanishing into payment processing.

Crypto POS systems eliminate the middlemen. But not all solutions are created equal.

Some just shift the fees around. Others genuinely slash costs.

NOWPayments: The Multi-Coin Giant

NOWPayments supports 300+ cryptocurrencies. Impressive catalog.

Processing fees: 0.5% for single-currency, 1% for multi-currency transactions.

Standout feature: Customizable network-fee options. You can absorb gas fees or pass them to customers.

Processing speed: Approximately 5 minutes end-to-end. TON transactions clock in at 45 seconds.

The flexibility here is real. Small businesses targeting specific crypto communities benefit from the extensive token support.

But here's the catch.

NOWPayments operates as a "crypto acceptance layer" with non-custodial options. Translation? More operational burden falls on you. Without in-house crypto expertise, reconciliation and security management become hidden costs.

For merchants accepting only BTC, ETH, and stablecoins, 300+ coins is overkill.

CoinPayments: The Managed Service Approach

CoinPayments takes the opposite approach.

Processing fees: Identical to NOWPayments, 0.5% for single-currency, 1% for multi-currency.

Coin support: 40+ cryptocurrencies. More focused than NOWPayments.

Processing speed: Anywhere from a few minutes to several hours. Variable.

CoinPayments functions as a "managed service" handling custody and compliance. Less technical overhead for merchants.

The trade-off? You're trusting a third party with your funds.

Processing times ranging "from a few minutes to several hours" creates cash flow unpredictability. For small businesses watching every dollar, that variability matters.

Neither platform dramatically undercuts traditional payment processing when you factor in:

• Conversion volatility

• Network congestion fees

• Operational complexity

• Settlement delays

Larecoin: Built Different

Here's where the math changes.

Larecoin slashes interchange fees by 50% compared to legacy systems. Not 0.5% processing on top of existing network fees. Actual, meaningful savings.

The Larecoin ecosystem includes:

• LARE , The receivables token powering transactions

• LUSD , Stablecoin for volatility protection

• LarePAY , Merchant payment processing

• LareBlocks , The infrastructure backbone

This isn't just another crypto payment gateway bolted onto existing rails. It's a complete ecosystem designed for small business reality.

Self-Custody: Why It Matters For Your Bottom Line

Third-party custody comes with hidden costs.

Platform risk. Withdrawal delays. Frozen accounts. We've seen major centralized platforms collapse, taking merchant funds with them.

The Larecoin Smart Wallet changes the equation.

Self-custody means:

• Your keys, your crypto

• Instant access to funds

• No withdrawal limits or delays

• Zero counterparty risk

NOWPayments offers non-custodial options but requires technical setup. CoinPayments handles custody for you, convenient but introduces platform dependency.

Larecoin's Smart Wallet provides self-custody without the complexity. Built-in interface. Push-to-card functionality. Gas-only transfers.

For small businesses, operational simplicity combined with true ownership is the sweet spot.

The QR-Generated POS Game Changer

Hardware POS terminals are expensive. Monthly rental fees. Integration headaches. Maintenance costs.

Larecoin's QR-generated POS eliminates hardware dependencies entirely.

How it works:

1. Generate QR code from your merchant dashboard

2. Customer scans with any crypto wallet

3. Payment settles directly to your wallet

4. Receipt generated automatically

No dongles. No terminals. No monthly hardware fees.

CoinPayments and NOWPayments both offer payment buttons and invoicing, but the frictionless QR experience positions Larecoin ahead for in-person retail environments.

Coffee shops. Food trucks. Pop-up vendors. Any small business where hardware costs eat into already thin margins.

NFT Receipts: Tax Season Just Got Easier

Here's something neither NOWPayments nor CoinPayments offers.

NFT receipts for accounting and tax compliance.

Every transaction mints an immutable receipt on-chain. Timestamped. Verified. Permanent.

Come tax season, your accountant gets:

• Complete transaction history

• Verified timestamps

• Immutable records

• Easy export functionality

Crypto accounting is a nightmare for most small businesses. Spreadsheets. Manual reconciliation. Missing records.

NFT receipts solve the audit trail problem automatically.

This feature alone saves hours of bookkeeping frustration and reduces CPA fees for businesses operating in the crypto payment space.

Feature Comparison: The Real Numbers

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fee	0.5-1%	0.5-1%	50% savings vs legacy
Coin Support	300+	40+	Major coins + LUSD
Self-Custody	Optional (complex)	No	Yes (Smart Wallet)
Hardware POS	No	No	QR-generated
NFT Receipts	No	No	Yes
Settlement Speed	~5 min	Minutes to hours	Near-instant
Stablecoin	Third-party	Third-party	Native (LUSD)

The Stablecoin Advantage

Volatility kills crypto adoption for merchants.

Accept $100 in Bitcoin. Watch it become $85 by settlement. Not sustainable.

Both NOWPayments and CoinPayments support stablecoins through third-party tokens. USDT. USDC. Standard options.

Larecoin integrates LUSD directly into the ecosystem. Native stablecoin support means:

• Tighter integration

• Faster conversion

• Lower friction between transaction and settlement

Small businesses need predictability. LUSD delivers stability without leaving the Larecoin ecosystem.

What Small Businesses Actually Need

Let's be real about requirements.

Small businesses don't need 300 cryptocurrency options. They need:

• Low fees (actual savings, not marketing speak)

• Fast settlement (cash flow matters)

• Simple operations (no crypto PhD required)

• Security (protection from platform failures)

• Compliance tools (tax season shouldn't hurt)

NOWPayments excels at multi-coin flexibility. CoinPayments simplifies custody management.

Larecoin delivers the full package for merchants focused on the bottom line.

The Verdict: Which Crypto POS Actually Saves Money?

NOWPayments and CoinPayments both charge 0.5% processing fees. Compared to 2.5%+ traditional interchange, that's significant.

But factor in:

• Network fees during congestion

• Conversion volatility

• Operational complexity

• Settlement variability

The savings shrink.

Larecoin's 50% reduction versus legacy systems represents genuine cost elimination. The ecosystem approach: LARE, LUSD, LarePAY, LareBlocks: creates efficiency that standalone payment gateways can't match.

For small businesses prioritizing:

• Maximum fee reduction ➜ Larecoin

• 300+ cryptocurrency options ➜ NOWPayments

• Managed custody simplicity ➜ CoinPayments

The crypto payment gateway you choose shapes your margins. Choose wisely.

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Ready to slash your payment processing costs? Explore the Larecoin merchant solutions and see the difference self-custody and genuine fee reduction makes for your business.