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

Payment processing fees are eating your profits alive.

Every swipe. Every tap. Every transaction. Traditional processors take 2.5-3.5% right off the top. For a small business doing $500,000 annually? That's $15,000 walking out the door.

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

Let's break down NOWPayments, CoinPayments, and Larecoin. Real numbers. Real features. Real talk about which POS system keeps more money in your pocket.

The Fee Problem Nobody Talks About

Small businesses operate on razor-thin margins. Coffee shops. Boutiques. Service providers. Every percentage point matters.

Traditional payment processors have dominated for decades. They've conditioned merchants to accept hefty interchange fees as "the cost of doing business."

It's not.

Crypto payment gateways slash these fees dramatically. But here's the catch, not all crypto POS systems are created equal.

NOWPayments: The Crypto-Native Option

NOWPayments positions itself as the go-to for crypto enthusiasts. And for good reason.

The Good:

• 0.5-1% transaction fees

• 300+ supported cryptocurrencies

• Non-custodial setup

• No hardware required

The Reality: That 0.5-1% fee still adds up. A $500,000 annual volume merchant pays roughly $5,000 in fees. Better than traditional processors? Absolutely. Optimal? Not quite.

Transaction speeds hover around 5 minutes. Fine for online purchases. Awkward for in-store retail.

NOWPayments works best for crypto-native communities. If your customers already live in the blockchain space and demand token variety, it's a solid choice.

But it lacks innovation beyond basic payment processing. No NFT receipts. No native stablecoin ecosystem. Just straightforward crypto-to-payment conversion.

CoinPayments: The Legacy Player

CoinPayments has been around longer. Stability and simplicity are its calling cards.

The Good:

• 0.5-1% transaction fees

• 40+ cryptocurrencies supported

• Established reputation

• Optional hardware integration

The Reality: Similar fee structure to NOWPayments. Same $5,000 annual cost on half a million in volume.

Here's where it gets tricky. CoinPayments operates with partial or limited self-custody options. Your funds? They're not always fully under your control.

Transaction times can stretch from minutes to hours. That's a dealbreaker for point-of-sale scenarios where customers are standing at your counter.

CoinPayments suits traditional retailers who want crypto options without diving deep into Web3. Simplicity over sovereignty.

Larecoin: The Gas-Only Revolution

Different approach entirely.

Larecoin doesn't charge percentage-based fees. Just network gas costs. That's it.

What This Means in Real Numbers:

• Traditional processor on $500,000 volume: ~$15,000 annually

• NOWPayments/CoinPayments: ~$5,000 annually

• Larecoin: Under $2,000 annually

Over 50% savings compared to other crypto solutions. Over 85% savings versus traditional processors.

Let's get granular. Picture a coffee shop. Average transaction: $8. Monthly transactions: 1,200.

• Traditional processor: ~$288/month

• NOWPayments/CoinPayments: $72-96/month

• Larecoin: Network gas only

The math speaks for itself.

Feature Breakdown: What You Actually Get

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Gas-only
Cryptocurrency Support	300+	40+	Comprehensive + LUSD
Self-Custody	Yes	Partial	Full Smart Wallet
NFT Receipts	No	No	Yes
Transaction Speed	~5 minutes	Minutes to hours	Sub-second
Hardware Required	No	Optional	No (QR-based)

Numbers don't lie. But let's dig deeper into what makes Larecoin's approach fundamentally different.

NFT Receipts: More Than a Gimmick

Traditional receipts? Paper that fades. Digital PDFs that get lost in email.

NFT receipts change the game.

Every transaction creates an immutable, on-chain record. Verifiable. Permanent. Owned by your customer.

For Merchants:

• Automatic warranty tracking

• Simplified returns and exchanges

• Built-in loyalty program infrastructure

• Proof of purchase that can't be forged

For Customers:

• Complete purchase history in one wallet

• Transferable proof of ownership

• Potential resale value for limited items

• No more "I can't find my receipt" moments

NOWPayments doesn't offer this. CoinPayments doesn't either.

Larecoin baked it directly into the payment flow. Every transaction. Every time. No extra setup required.

LUSD: Stability Without Sacrifice

Crypto volatility scares merchants. Understandably.

Accept Bitcoin at 10 AM. It drops 5% by closing time. Your profits evaporate.

LUSD solves this. Larecoin's native stablecoin maintains consistent value while preserving all the benefits of blockchain transactions.

Why LUSD Matters:

• Price stability for predictable accounting

• Instant settlement without conversion fees

• Seamless integration with Larecoin's ecosystem

• No third-party stablecoin dependency

Other platforms force you to rely on external stablecoins. Additional conversion steps. Extra fees. More complexity.

LUSD is native. Built in. Ready to go.

Self-Custody: Your Money, Your Control

Here's where things get serious.

CoinPayments offers "partial" self-custody. What does that mean? Your funds sit in their infrastructure. They control the keys. You trust them to act in your interest.

We've seen how that plays out. Exchange collapses. Platform hacks. Frozen accounts.

Larecoin's Smart Wallet architecture puts you in complete control. Your keys. Your funds. Your sovereignty.

The Self-Custody Difference:

• No counterparty risk

• Instant access to your funds

• No withdrawal limits or approval processes

• True financial sovereignty

NOWPayments offers non-custodial options. Credit where it's due. But it lacks the integrated ecosystem that makes self-custody practical for everyday business operations.

Larecoin built the entire payment infrastructure around merchant sovereignty. Not as an afterthought. As the foundation.

Transaction Speed: The Retail Reality

Five minutes doesn't sound long. Until a customer is standing at your register. Waiting. Checking their phone. Getting impatient.

Sub-second transactions change the dynamic entirely.

Larecoin operates on Solana-based infrastructure. Confirmation happens before the customer puts their wallet away. Faster than card networks. Faster than any other crypto solution.

For brick-and-mortar retail, this isn't a nice-to-have. It's essential.

Who Should Use What?

Choose NOWPayments if:

• Your customer base demands 300+ token options

• Online-only sales with flexible timing

• You're comfortable with basic crypto processing

Choose CoinPayments if:

• You want crypto payments without complexity

• Brand stability matters more than cutting-edge features

• You're okay with partial custody arrangements

Choose Larecoin if:

• Maximum fee savings drive your decision

• Self-custody and financial sovereignty matter

• You want NFT receipts and LUSD integration

• Sub-second transaction speeds are required

• You're building for the future of Web3 commerce

The Bottom Line

Small business survival depends on margins. Every dollar saved goes back into growth, inventory, staff, or your own pocket.

NOWPayments and CoinPayments improve on traditional processing. No question. Moving from 2.5-3.5% down to 0.5-1% represents real savings.

But Larecoin takes it further. Gas-only fees. NFT receipts. LUSD stability. Full self-custody. Sub-second speeds.

On $500,000 annual volume, the difference between Larecoin and other crypto solutions is roughly $3,000-4,000 per year. Compare that to traditional processors? Over $13,000 in savings.

That's not incremental improvement. That's a fundamental shift in how payment processing works.

Ready to see what gas-only transactions mean for your bottom line? Explore the Larecoin ecosystem and run your own numbers.

Your margins will thank you.