NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Actually Works for Small Businesses?

Small business owners are tired. Tired of 3-4% interchange fees eating profits. Tired of waiting days for settlements. Tired of third parties controlling their money.

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

Let's break down the three major players: NOWPayments, CoinPayments, and Larecoin. No fluff. Just facts.

The Problem Every Small Business Faces

Traditional payment processors are bleeding merchants dry. Visa and Mastercard charge between 1.5-3.5% per transaction. Add payment gateway fees. Add monthly fees. Add chargeback fees.

The average small business loses $30,000+ annually to payment processing fees alone.

Crypto payment solutions entered the chat. Lower fees. Faster settlements. Global reach.

But not all crypto POS systems are created equal.

NOWPayments: The Non-Custodial Pioneer

What they offer:

• 300+ cryptocurrencies supported

• 30+ stablecoins

• 0.5-1% processing fees

• Non-custodial model

• White-label solutions

NOWPayments built its reputation on one thing: you keep your keys. Their non-custodial approach means funds go directly to your wallet. No intermediaries holding your crypto hostage.

The good:

• Customizable network fee options

• Merchants can absorb or blend gas fees

• Solid API documentation

• Recurring subscription support

The not-so-good:

• No built-in fiat-to-bank payouts

• Limited POS hardware options

• Customer support can be slow

• No native stablecoin ecosystem

For small businesses wanting crypto diversity, NOWPayments works. But it's essentially a payment gateway. Nothing more.

CoinPayments: The Old Guard

CoinPayments has been around since 2014. That's ancient in crypto years.

What they offer:

• 40+ cryptocurrencies

• 21 stablecoins

• 0.5% processing fees

• Shopify, Magento, WooCommerce integrations

• Established reputation

The good:

• Deep e-commerce platform integrations

• Proven track record

• Multi-coin wallet included

• Vault storage options

The not-so-good:

• Custodial model (they hold your funds)

• Fewer cryptocurrency options than competitors

• Outdated interface

• No NFT receipt functionality

• Limited Web3 features

CoinPayments works for businesses already on Shopify or WooCommerce. But it's stuck in 2018. No innovation. No Web3 integration. Just basic crypto acceptance.

Larecoin: Built for the Next Generation of Merchants

Here's where things get interesting.

Larecoin isn't just another payment processor slapping crypto onto legacy systems. It's a complete Web3 payments ecosystem built from the ground up for small business success.

What Larecoin brings to the table:

Self-Custody Merchant Accounts

Your money. Your keys. Your control.

Unlike custodial solutions that hold your funds, Larecoin's self-custody model means every transaction settles directly to your wallet. No withdrawal delays. No frozen accounts. No third-party risk.

This is financial sovereignty for merchants.

LUSD Stablecoin Integration

Volatility kills small business adoption. Nobody wants to accept $100 in crypto and wake up to $85.

Larecoin's LUSD stablecoin solves this permanently. Accept payments in any supported crypto. Instant conversion to LUSD. Price stability guaranteed.

No more checking charts nervously. No more pricing gymnastics. Just stable, predictable revenue.

NFT Receipts for Accounting

This is the game-changer nobody else offers.

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

Why this matters:

• Automatic audit trails

• Simplified tax reporting

• Dispute resolution with cryptographic proof

• Integration with modern accounting software

• No lost receipts. Ever.

Your accountant will actually understand your crypto transactions. Revolutionary concept, right?

50%+ Fee Reduction

Traditional processors charge 2.5-3.5%. NOWPayments and CoinPayments charge 0.5-1%.

Larecoin's gas-only transfer model slashes costs even further. You pay network fees. That's it.

For a business processing $500,000 annually:

• Traditional processor cost: ~$15,000

• NOWPayments/CoinPayments cost: ~$5,000

• Larecoin cost: Under $2,000

That's real money back in your pocket.

Receivables Token Technology

Larecoin introduced something completely new: receivables tokens.

Convert outstanding invoices into tradeable tokens. Improve cash flow without waiting 30-60-90 days for payment. Access liquidity when you need it.

This isn't available anywhere else in the crypto POS space.

Feature Comparison: Side-by-Side

Feature	NOWPayments	CoinPayments	Larecoin
Self-Custody	✅	❌	✅
NFT Receipts	❌	❌	✅
Native Stablecoin	❌	❌	✅ (LUSD)
Receivables Tokens	❌	❌	✅
Processing Fees	0.5-1%	0.5%	Gas only
Web3 Integration	Limited	None	Full
Contactless POS	Limited	Limited	✅
Merchant Portal	Basic	Basic	Advanced

The pattern is clear. Larecoin offers features the competition hasn't even considered.

Real-World Impact for Small Businesses

Let's talk practical application.

Coffee shop scenario: Customer pays $5.50 for a latte. With traditional processing, you lose $0.15-0.20 per transaction. Multiply by 300 daily transactions. That's $45-60 daily in fees. $16,000+ annually.

With Larecoin? Pennies in gas fees. The rest stays in your pocket.

Service business scenario: You invoice a client $5,000. They pay in crypto. You need fiat for payroll next week.

NOWPayments and CoinPayments require external conversion tools. Additional fees. Additional delays.

Larecoin's instant LUSD conversion and push-to-card features get funds where you need them. Fast.

E-commerce scenario: International customer wants to pay. Traditional processors charge international transaction fees. Currency conversion fees. The customer abandons cart.

Larecoin accepts global crypto payments. No borders. No conversion fees. Customer completes purchase. You get paid.

Why NOWPayments and CoinPayments Can't Compete Long-Term

Both platforms solve yesterday's problem: accepting crypto instead of just fiat.

Larecoin solves tomorrow's problem: building a complete financial ecosystem for Web3-native businesses.

NOWPayments limitations:

• No native stablecoin

• No NFT receipts

• No receivables tokenization

• Just a payment gateway

CoinPayments limitations:

• Custodial risk

• Outdated technology stack

• No Web3 integration

• Stuck in the 2010s mindset

The crypto payments landscape is evolving. Fast. Platforms that can't offer self-custody, NFT receipts, and stablecoin integration will become irrelevant.

Making the Switch

Transitioning to Larecoin takes minutes, not months.

Step 1: Visit Larecoin.com and set up your merchant account.

Step 2: Connect your self-custody wallet.

Step 3: Integrate the contactless POS or API.

Step 4: Start accepting payments. Start keeping more revenue.

No lengthy approval processes. No credit checks. No banks deciding if your business is "acceptable."

Financial sovereignty. From day one.

The Bottom Line

Small businesses need more than just crypto acceptance. They need:

• Fee reduction that actually impacts profitability

• Self-custody that eliminates third-party risk

• Stablecoin integration that removes volatility

• Modern accounting tools like NFT receipts

• Global reach without global fees

NOWPayments offers decent non-custodial processing. CoinPayments offers established integrations. Neither offers a complete solution.

Larecoin delivers the full package.

Stop settling for payment processors designed for 2018. Build your business on infrastructure designed for 2026 and beyond.

The future of small business payments is here. It's decentralized. It's self-custody. It's Larecoin.