NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System for Small Business Actually Delivers?

Let's cut to the chase.

You're running a small business. You want to accept crypto. But the payment processor landscape? It's a jungle out there.

NOWPayments. CoinPayments. Larecoin. Three names that keep popping up. Three very different approaches to getting crypto into your register.

Which one actually delivers for small business owners who don't have time for nonsense?

Let's break it down.

The Quick Stats That Actually Matter

Before we dive deep, here's what you're working with:

NOWPayments:

• 300+ cryptocurrencies supported

• 0.5-1% processing fees

• Non-custodial options available

• $10B+ processed volume

• Registered in Saint Vincent and the Grenadines

CoinPayments:

• 40+ cryptocurrencies supported

• 0.5-1% processing fees

• End-to-end managed service

• $28B+ processed volume

• EU licensed

Larecoin:

• Complete ecosystem approach (LARE, LUSD, LarePAY, LareBlocks)

• Up to 50% lower interchange fees vs legacy systems

• Full self-custody via Smart Wallet

• NFT receipts for tax and accounting

• QR-generated contactless POS

Different beasts. Different strengths. Let's see who wins.

The Fee Game: Where Your Money Actually Goes

Here's the thing nobody talks about enough.

NOWPayments and CoinPayments both charge 0.5-1% processing fees. Sounds reasonable, right?

But wait.

Legacy payment systems, your Visas, your Mastercards, typically hit you with 2.5-3.5% interchange fees. So even at 1%, these crypto processors look great by comparison.

Enter Larecoin.

The Larecoin ecosystem slashes interchange fees by up to 50% compared to legacy systems. That's not marketing fluff. That's real money staying in your pocket.

For a small business doing $100K monthly in transactions, we're talking thousands saved annually. Not hundreds. Thousands.

NOWPayments offers customizable network-fee options. Nice touch. CoinPayments keeps it simple with standard pricing. Larecoin? Built-in efficiency from the ground up.

Winner on fees: Larecoin

Self-Custody: Who Actually Owns Your Money?

This is where things get interesting.

CoinPayments operates as an end-to-end managed service. They handle custody. They handle compliance. They handle everything. Convenient? Sure. But your crypto sits in their hands until you move it.

NOWPayments offers non-custodial options. Better. But "options" means it's not the default. You have to opt in.

Larecoin? The Smart Wallet puts you in control from day one.

The Larecoin Smart Wallet difference:

• Your keys. Your crypto. Period.

• No third-party custody risk

• Instant access to your funds

• Full transparency on every transaction

For small business owners who've watched exchange after exchange collapse, self-custody isn't a feature. It's a requirement.

When you're the one taking the business risk every day, why add counterparty risk on top of it?

Winner on custody: Larecoin

The Innovation Factor: NFT Receipts and QR-Generated POS

Here's where the comparison stops being close.

NOWPayments gives you API invoicing, recurring subscriptions, and white-label solutions. Solid foundation. Nothing revolutionary.

CoinPayments adds payment links, traditional POS terminals, and OTC conversion for bigger operations. Great for established merchants with existing infrastructure.

Larecoin? Different planet entirely.

NFT Receipts for Tax and Accounting

Every transaction generates an immutable, on-chain receipt. Not a PDF you might lose. Not an email that goes to spam. An NFT.

For tax season, this is game-changing:

• Permanent record on-chain

• Instantly verifiable

• No manual data entry

• Auditor-friendly documentation

Your accountant will actually thank you. That's not something that happens often.

QR-Generated Contactless POS

No hardware required. No expensive terminals. No clunky integrations.

Generate a QR code. Customer scans. Payment complete.

Works anywhere. Works instantly. Works on any device.

Small business with a food truck? Covered. Pop-up shop at a festival? Covered. Brick-and-mortar with multiple checkout lanes? Covered.

The Ecosystem Advantage

NOWPayments is a payment processor.

CoinPayments is a payment processor with extra services.

Larecoin is an entire ecosystem.

LARE – The receivables token that powers the network. Every transaction strengthens the ecosystem.

LUSD – Stablecoin functionality for merchants who want crypto benefits without price volatility.

LarePAY – The merchant-facing payment infrastructure. Built for business, not retrofitted.

LareBlocks – The underlying architecture that makes it all work seamlessly.

When your payment processor is part of a unified ecosystem, everything just works better. Transactions clear faster. Fees stay lower. Integration headaches disappear.

NOWPayments and CoinPayments are tools. Useful tools. But still just tools.

Larecoin is infrastructure.

Operational Reality: What Running These Systems Actually Looks Like

Let's talk real-world implementation.

NOWPayments puts more responsibility on you. Non-custodial means you manage security. Registration in Saint Vincent means you navigate compliance yourself. $10B+ in volume proves it works, but the operational lift is yours.

CoinPayments handles the heavy lifting. EU licensing means regulatory homework is done. Managed service means less technical burden. But that convenience comes with giving up control.

Larecoin threads the needle.

Self-custody without the complexity. Compliance-ready features without the bureaucratic overhead. The Larecoin platform gives you professional-grade tools with small-business simplicity.

Setup is straightforward. The merchant portal walks you through everything. No dev team required.

The Verdict: Which Crypto POS Actually Delivers?

Let's be direct.

Choose NOWPayments if:

• You need 300+ cryptocurrency support

• You're comfortable managing security yourself

• Cost optimization is your primary driver

• You have technical resources available

Choose CoinPayments if:

• You want a managed service experience

• EU regulatory compliance matters

• You need traditional POS terminals

• You're processing high volume with treasury needs

Choose Larecoin if:

• You want the lowest fees available

• Self-custody is non-negotiable

• NFT receipts would revolutionize your accounting

• You want ecosystem benefits, not just a payment processor

• Innovation matters as much as function

For most small businesses in 2026, the choice is clear.

NOWPayments and CoinPayments were built for yesterday's crypto payments. Functional. Reliable. But fundamentally just bridges between crypto and traditional finance.

Larecoin was built for where payments are going. NFT receipts. QR-generated POS. Self-custody by default. An entire ecosystem backing every transaction.

The future of small business payments isn't about which processor has the longest crypto list. It's about which platform understands that payments, accounting, custody, and compliance need to work together seamlessly.

That's Larecoin.

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Ready to slash your interchange fees and modernize your payment infrastructure?

Explore Larecoin and see what a real crypto payment ecosystem looks like.

Your business deserves better than "good enough."