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

Small business owners are bleeding money on payment processing fees. Every swipe, every tap, every transaction chips away at already-thin margins. The crypto POS revolution promised relief. But which platform actually delivers?

Let's break down the real numbers.

The Fee Problem Nobody Talks About

Traditional payment processors take 2.5% to 3.5% per transaction. On $100,000 in annual sales, that's $2,500 to $3,500 gone. Poof. Vanished into the payment processing abyss.

Crypto payment gateways emerged as the solution. Lower fees. Faster settlement. No chargebacks.

But here's the catch. Not all crypto POS systems are created equal.

NOWPayments: The Basics

NOWPayments charges 0.5% for single-currency transactions and 1% for multi-currency conversions. Solid numbers on paper.

The Good:

• Non-custodial (they don't hold your funds)

• Customizable network fee options

• 0% service fees on payouts

• API payouts and CSV exports supported

The Not-So-Good:

• Gas fees still hit your customers

• No built-in accounting automation

• Limited ecosystem features

• No stablecoin native to the platform

For basic crypto acceptance, NOWPayments works. But "basic" doesn't cut costs in the long run.

CoinPayments: The Veteran Player

CoinPayments mirrors NOWPayments on fees, 0.5% single-currency, 1% multi-currency. They've been around longer. They support more coins.

The Good:

• Massive cryptocurrency support

• Established reputation

• 0% payout fees

• Multiple integration options

The Not-So-Good:

• Custodial (they hold your funds, big red flag)

• Network fees fall on the payer with no customization

• No native stablecoin solution

• Lacks innovation in merchant tooling

The custodial model is the dealbreaker. When a platform holds your money, you're trusting them with everything. History shows that's a gamble.

Larecoin: The Game Changer

Here's where things get interesting.

Larecoin isn't just another crypto payment gateway. It's an entire receivables ecosystem built from the ground up for merchants who want to actually keep their money.

The Fee Advantage:

Larecoin slashes interchange fees by 50% compared to legacy payment systems. We're talking real savings, not marginal percentage point games.

The Ecosystem:

• LARE – The receivables token powering the network

• LUSD – Native stablecoin for volatility-free transactions

• LarePAY – Merchant payment processing infrastructure

• LareBlocks – Layer 1 blockchain built for commerce

This isn't a bolt-on crypto payment option. It's a complete financial infrastructure.

Self-Custody: Why It Actually Matters

Let's talk about the elephant in the room.

CoinPayments is custodial. They hold your crypto. You trust them not to freeze accounts, not to go bankrupt, not to get hacked.

NOWPayments is non-custodial. Better.

Larecoin takes it further with the Smart Wallet.

The Larecoin Smart Wallet gives merchants complete control:

• Your keys. Your coins. Your business.

• Instant settlement to your own wallet

• No third-party custodial risk

• Built-in swap and bridge functionality

When you accept payments through Larecoin, funds hit your wallet immediately. Not a pooled account. Not a custodian's address. Yours.

For small businesses, this eliminates counterparty risk entirely.

NFT Receipts: Tax Season Just Got Easier

Here's an innovation neither NOWPayments nor CoinPayments offers.

NFT receipts.

Every transaction through LarePAY generates a blockchain-verifiable NFT receipt. These aren't just cool. They're functional.

Benefits:

• Immutable transaction records

• Automatic accounting trail

• Simplified tax documentation

• Fraud-proof audit trail

Your accountant will thank you. The IRS can't argue with blockchain verification. And you have permanent, tamper-proof records of every sale.

This alone saves hours of bookkeeping headaches.

QR-Generated POS: Simplicity Wins

Setting up a traditional POS system costs thousands. Hardware. Software. Installation. Training.

Larecoin's QR-generated POS system costs nothing.

Generate a QR code. Print it. Display it. Accept payments.

That's it.

No expensive terminals. No monthly hardware fees. No technical setup.

For small businesses, coffee shops, food trucks, boutiques, this is the lowest barrier to crypto payment acceptance available.

The Real Comparison: Show Me The Money

Let's run the numbers on $100,000 in annual transactions.

Platform	Transaction Fee	Annual Cost	Custody	NFT Receipts	Native Stablecoin
NOWPayments	0.5% - 1%	$500 - $1,000	Non-Custodial	No	No
CoinPayments	0.5% - 1%	$500 - $1,000	Custodial	No	No
Larecoin	50% less than legacy	~$1,250 vs. $2,500+ legacy	Self-Custody	Yes	Yes (LUSD)

The difference isn't just in transaction percentages. It's in the total cost of doing business.

When you factor in:

• Eliminated custodial risk

• Automated accounting via NFT receipts

• Zero hardware costs

• Instant settlement

Larecoin delivers value the others can't match.

The LUSD Advantage

Crypto volatility kills merchant adoption. Nobody wants to accept Bitcoin at $67,000 and watch it drop to $62,000 before they can convert.

LUSD solves this.

Larecoin's native stablecoin provides:

• Dollar-pegged stability

• Instant conversion from any accepted crypto

• Gas-only transfers

• Push-to-card functionality

Accept any crypto. Settle in LUSD. Convert to fiat on your schedule.

Volatility risk eliminated.

Who Should Choose What?

Choose NOWPayments if:

• You want basic crypto acceptance

• Non-custodial matters to you

• You're comfortable managing your own accounting

Choose CoinPayments if:

• You need support for obscure altcoins

• You don't mind custodial risk (though you should)

• You want a legacy platform with established integrations

Choose Larecoin if:

• Maximizing savings is the priority

• Self-custody is non-negotiable

• You want automated tax documentation

• You need a complete ecosystem, not just a payment gateway

• Innovation matters to your brand

The Bottom Line

Small businesses need every edge they can get. Payment processing shouldn't eat your profits.

NOWPayments and CoinPayments offer incremental improvements over traditional processors. They're fine. Adequate. Serviceable.

Larecoin offers transformation.

50% savings on interchange. Self-custody via Smart Wallet. NFT receipts for bulletproof accounting. QR POS setup in minutes. Native stablecoin for volatility protection.

This isn't a marginal upgrade. It's a complete rethinking of how small businesses handle payments.

Ready to stop leaving money on the table?

Explore Larecoin's merchant solutions and see what actual savings look like.

Your margins will thank you.