NOWPayments Vs CoinPayments Vs Larecoin: Which Crypto POS System Actually Works for Small Business?

Let's cut to it.

You're a small business owner. You're tired of watching payment processors take a bite out of every sale. And you've heard crypto might be the answer.

But which crypto POS system actually delivers?

NOWPayments. CoinPayments. Larecoin. They all promise to reduce merchant interchange fees. They all claim to be the future. But the differences between them? Massive.

This breakdown shows you exactly what you're getting: and what you're giving up: with each option.

The Traditional Payment Problem

Credit card processors charge 2.5-3.5% on every transaction.

On $500K annual revenue? That's $12,500 to $15,000 gone. Every year. Just for the privilege of accepting customer payments.

Small businesses feel this the most. Margins are tight. Competition is fierce. And those fees compound into real money over time.

Crypto POS systems promise a way out. But not all of them deliver equally.

The Fee Breakdown: Numbers Don't Lie

Here's where things get interesting.

Platform	Processing Fee	Annual Cost ($500K Revenue)
Traditional Card Processor	2.5-3.5%	~$12,500-$15,000
NOWPayments	0.5-1%	~$3,750
CoinPayments	0.5-1%	~$3,750
Larecoin	Gas fees only	Under $2,000

Read that again.

NOWPayments and CoinPayments cut your fees significantly compared to traditional processors. That's real savings.

But Larecoin? Gas fees only. On Solana's blockchain, that means sub-cent transactions with sub-second finality.

On $10,000 monthly revenue:

• Traditional processors: ~$320/month

• NOWPayments/CoinPayments: $75-100/month

• Larecoin: A fraction of that

The math speaks for itself.

Feature Showdown: What Each Platform Actually Offers

NOWPayments

The established player. Operational since 2019.

Strengths:

• 300+ cryptocurrency support

• Network fee customization

• ~5-minute processing speed

• E-commerce platform integrations

• Strong AML compliance features

The catch: It operates as an intermediary. They hold your funds before distributing them to you. You're trusting a third party with your revenue.

CoinPayments

The legacy option. Been around longer than most.

Strengths:

• 40+ cryptocurrency support

• Established reputation

• Simple setup process

The catch: The platform feels dated. Innovation has stalled. And like NOWPayments, it's custodial. Your money sits in their system before reaching your wallet.

Larecoin

The Web3-native challenger. Built different from the ground up.

Strengths:

• Full self-custody merchant accounts

• Native LUSD stablecoin integration

• NFT receipts for immutable transaction records

• Sub-second finality on Solana

• Gas-only fees

The difference: Funds transfer directly to your wallet. No intermediary. No waiting period. No third party controlling your revenue.

The Custody Question: Who Controls Your Money?

This is the fundamental divide.

NOWPayments and CoinPayments are custodial or hybrid-custodial platforms. When a customer pays you, that money flows through their systems first. They hold it. They process it. Then they release it to you.

That's their business model. And it works. But it means someone else controls your funds: even temporarily.

Larecoin flips this entirely.

Self-custody merchant accounts mean direct merchant-to-customer transactions. The payment goes straight to your wallet. No intermediary touching your revenue. No waiting for releases. No wondering if your funds are secure in someone else's system.

For small businesses burned by payment processor holds, frozen accounts, or delayed settlements? This matters.

Financial sovereignty isn't just a buzzword. It's the difference between running your business and hoping someone else lets you access your own money.

NFT Receipts: The Accounting Game-Changer

Here's where Larecoin gets interesting for the operationally-minded.

Every transaction generates an NFT receipt. Immutable. On-chain. Permanent.

What does this mean practically?

For accounting: Every transaction is automatically recorded on the blockchain. No manual entry. No reconciliation headaches. No "lost" receipts.

For disputes: An NFT receipt is cryptographic proof of the transaction. Time-stamped. Verifiable. Try disputing an immutable blockchain record.

For compliance: Auditors love paper trails. An on-chain record of every transaction? That's a paper trail on steroids.

NOWPayments and CoinPayments offer transaction histories. Standard stuff. But they're not on-chain immutable records. They're database entries that exist within their systems.

NFT receipts for accounting represent a fundamental upgrade in how businesses track transactions.

LUSD Stablecoin: Zero-Volatility Transactions

Crypto volatility scares merchants. Understandably.

You accept $100 in Bitcoin. By the time you convert it? Could be $95. Could be $105. That uncertainty kills adoption.

Larecoin's native LUSD stablecoin solves this.

LUSD stablecoin benefits for merchants:

• Price stability pegged to the dollar

• No volatility risk between payment and conversion

• Instant settlement in a stable asset

• No need to immediately convert to fiat

Accept crypto. Keep it stable. Convert when you want: not when you have to.

NOWPayments offers some stablecoin support. CoinPayments does too. But neither has native stablecoin integration built into the core platform architecture.

When to Choose Each Platform

Choose NOWPayments if:

• You need 300+ cryptocurrency support

• AML compliance is critical for your business

• You're comfortable with custodial models

• Established infrastructure matters more than innovation

Choose CoinPayments if:

• Brand recognition is your priority

• You want simple, no-frills crypto acceptance

• You don't mind legacy tech

• Custodial holding periods aren't a concern

Choose Larecoin if:

• Financial sovereignty is non-negotiable

• You want the lowest possible fees (gas only)

• NFT receipts for accounting appeal to you

• Self-custody merchant accounts matter

• You're building a bank-free business operation

• Web3-native features align with your vision

The Bottom Line for Small Business

Small businesses need every advantage.

Slashing fees by 50%+ compared to traditional processors? All three platforms deliver that.

But Larecoin pushes further. Gas-only fees. Self-custody. NFT receipts. LUSD stability.

The question isn't whether crypto POS systems work for small business. They do.

The question is: how much control do you want over your own revenue?

NOWPayments and CoinPayments offer established, proven paths to crypto acceptance. They work. They save money. They've been doing this for years.

Larecoin offers something different. Full ownership. True self-custody. Web3-native features that legacy platforms can't match.

For merchants ready to operate without intermediaries? For businesses building toward complete financial sovereignty?

The choice becomes clear.

Ready to See the Difference?

Stop letting intermediaries control your revenue.

Explore what self-custody merchant accounts actually look like. See how NFT receipts transform your accounting. Experience gas-only fees on real transactions.

Visit Larecoin and discover why Web3 global payments hit different.

Your business. Your money. Your wallet.

That's how it should work.