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

Let's cut to the chase.

You're a small business owner. You want crypto payments. But you're tired of watching fees eat into your margins.

Traditional payment processors? They're taking 2.9% to 3.5% on every swipe. Credit card interchange fees alone cost U.S. merchants over $100 billion annually.

Crypto was supposed to fix this. But not all crypto POS systems are created equal.

NOWPayments. CoinPayments. Larecoin. Three names. Three different approaches. One question: Which one actually keeps more money in your pocket?

Let's break it down.

The Fee Problem Nobody Talks About

Here's the dirty secret of crypto payment gateways.

Most advertise low fees. But they hide costs in:

• Network gas fees

• Conversion spreads

• Withdrawal charges

• Multi-currency premiums

You think you're paying 0.5%. Reality? Often 2% or more when everything stacks up.

Small businesses get hit hardest. Lower volume means less negotiating power. Every percentage point matters when you're running tight margins.

NOWPayments: The 300-Coin Giant

What they offer:

• 300+ cryptocurrencies supported

• 0.5% fee for mono-currency transactions

• 1% for multi-currency transactions

• Non-custodial options available

• White-label solutions

• 24/7 support

NOWPayments built its reputation on flexibility. Want to accept Dogecoin? Done. Shiba Inu? Sure. They cast the widest net in crypto payment processing.

The good: Customizable network fee options let you absorb or blend gas costs. Useful if you're processing high volumes and can negotiate.

The not-so-good: That 1% multi-currency fee adds up fast. Most small businesses accept multiple coins. You're paying double the base rate immediately.

No dedicated POS hardware. You're piecing together solutions. Integration requires technical know-how or developer hours.

Best for: Businesses that want maximum coin variety and have technical resources to implement.

CoinPayments: The Established Player

What they offer:

• Similar 0.5%/1% fee structure

• Established since 2013

• Multi-currency vault

• Shopping cart plugins

• Auto-conversion features

CoinPayments has tenure. They've processed billions in transactions. That track record matters for some merchants.

The good: Reliable. Proven. Your payments probably won't disappear into the void.

The not-so-good: Narrower cryptocurrency selection than NOWPayments. No public custom network-fee program. You get what you get on gas costs.

Their interface feels dated. No innovation in years. The crypto space moves fast. They're standing still.

Best for: Businesses wanting a "set it and forget it" approach with established infrastructure.

Larecoin: The Fee-Slashing Ecosystem

Now let's talk about what's different.

Larecoin isn't just a payment gateway. It's a complete receivables ecosystem designed specifically to crush fees.

The core difference: While NOWPayments and CoinPayments take a cut of every transaction, Larecoin's architecture is built around LARE as a receivables token. This changes the economics entirely.

What you get:

50% Lower Interchange Fees

Not a typo. Larecoin's system slashes traditional interchange costs in half. When you're processing thousands monthly, that's real money back in your pocket.

LUSD Stablecoin Integration

Volatility kills merchant adoption. LUSD solves this. Receive payments, hold value, no wild swings. Your $100 sale stays worth $100.

LarePAY Merchant Portal

One dashboard. All transactions. Real-time analytics. No jumping between platforms. Built for business owners, not developers.

QR-Generated POS System

No expensive hardware. No complex integrations. Generate a QR code. Customer scans. Payment complete. Works with any smartphone or tablet.

Self-Custody Smart Wallet

Here's the big one.

NOWPayments and CoinPayments hold your funds. You're trusting them with your revenue. In crypto, that's risk.

Larecoin's Smart Wallet puts you in control. Your keys. Your coins. Your business.

Self-custody means:

• No withdrawal delays

• No frozen accounts

• No counterparty risk

• Instant access to your funds

The NFT Receipt Revolution

This is where Larecoin leaps ahead.

Traditional receipts? Paper. PDFs. Lost emails. Tax season nightmares.

Larecoin generates NFT receipts for every transaction.

Why this matters:

• Immutable proof of every sale

• Automatic organization on-chain

• Instant tax documentation when your accountant asks

• Zero data entry for bookkeeping

Your transaction history lives on the blockchain. Permanent. Searchable. Verified.

Come April, you're not digging through shoeboxes. You're exporting clean records in minutes.

Smart merchants are ditching paper trails entirely. NFT receipts aren't a gimmick. They're the future of business accounting.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5-1%	0.5-1%	Lower via LARE ecosystem
Interchange Savings	Standard	Standard	50% reduction
Self-Custody	Partial	No	Full Smart Wallet
POS Solution	Third-party	Plugins	Native QR POS
Stablecoin	Various	Various	LUSD integrated
NFT Receipts	No	No	Yes
Coins Supported	300+	100+	Growing ecosystem

Real Math for Real Businesses

Let's run numbers.

Scenario: Coffee shop processing $15,000/month in crypto payments.

Traditional card processing (3% average): $15,000 × 3% = $450/month in fees Annual cost: $5,400

NOWPayments/CoinPayments (1% multi-currency + gas): $15,000 × ~1.5% (with network fees) = $225/month Annual cost: $2,700

Larecoin ecosystem: $15,000 × ~0.75% (with 50% interchange reduction) = $112.50/month Annual cost: $1,350

Annual savings with Larecoin vs. competitors: $1,350 Annual savings vs. traditional cards: $4,050

That's a new espresso machine. Every year. Just from smarter payment processing.

Who Should Use What?

Choose NOWPayments if:

• You need 300+ coin support

• Technical resources are available

• Volume justifies custom fee negotiations

Choose CoinPayments if:

• You want established, boring reliability

• Existing e-commerce plugins matter most

• Innovation isn't a priority

Choose Larecoin if:

• Fee savings are your #1 goal

• Self-custody and control matter

• You want NFT receipts for clean accounting

• Simple QR POS implementation appeals

• You're building for Web3's future

The Bottom Line

NOWPayments and CoinPayments work. They've processed payments for years. No complaints on basic functionality.

But they're not innovating. Same fee structures. Same custodial models. Same limitations.

Larecoin is building something different. A complete ecosystem where small businesses actually benefit from crypto's promise: lower fees, true ownership, and smarter tools.

The receivables token model. LUSD stability. Self-custody Smart Wallet. NFT receipts. QR-native POS.

These aren't features. They're fundamental shifts in how merchant payments work.

Ready to Stop Overpaying?

Your competitors are still paying 3% to Visa. You don't have to.

Check out Larecoin's merchant solutions and see what 50% fee reduction looks like for your bottom line.

The math doesn't lie. The future isn't custodial. And your profits shouldn't fund payment processor yachts.

Make the switch. Keep more of what you earn.