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

Small business owners are done with legacy payment processors. The fees. The chargebacks. The waiting.

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

Let's break down three contenders: NOWPayments, CoinPayments, and Larecoin. Spoiler alert, one of these isn't like the others.

The Crypto POS Landscape in 2026

Traditional payment processors charge 2.5-3.5% per transaction. That's highway robbery for small businesses operating on thin margins.

Crypto payment gateways entered the scene promising lower fees and faster settlements. But not all solutions are created equal.

Some just swap one set of problems for another. Others genuinely revolutionize how small businesses handle transactions.

Let's see who's who.

NOWPayments: The Flexible Option

NOWPayments has carved out a solid reputation since launching. Here's the quick rundown.

What They Offer:

• 300+ cryptocurrencies supported

• 30+ stablecoins

• 0.5-1% processing fees

• Non-custodial model

• API, widgets, and plugin integrations

The non-custodial approach is a big deal. Your funds never sit with intermediaries. That's genuine self-custody.

The Good:

• Massive crypto selection

• Customizable network fee options

• Instant settlement

• Fast self-serve setup

The Not-So-Good:

• No phone support

• Can be overwhelming for beginners

• Network fees still eat into margins

• No innovative receipt solutions

NOWPayments works. It's reliable. But it's essentially a payment gateway, nothing more, nothing less.

CoinPayments: The Veteran Player

CoinPayments has been around since 2014. That's ancient in crypto years. They've processed billions in transactions.

What They Offer:

• 40+ cryptocurrencies

• 21 stablecoins

• 0.5-1% processing fees

• Shopify and WooCommerce integrations

• CSV batch payouts

The Good:

• Established reputation

• Major e-commerce platform integrations

• Proven track record

The Not-So-Good:

• Smaller crypto selection than competitors

• 1-3 day settlement time (seriously?)

• Less flexibility on network fees

• No meaningful innovation in years

CoinPayments feels like it peaked in 2019. The infrastructure works, but where's the evolution?

Small businesses need solutions that grow with them. Not systems that are coasting.

Larecoin: The Game Changer

Here's where things get interesting.

Larecoin isn't just a payment processor. It's an entire ecosystem built specifically for modern commerce.

The Core Components:

• LARE – The receivables token powering the ecosystem

• LUSD – Stablecoin for price stability

• LarePAY – Merchant payment processing

• LareBlocks – Infrastructure backbone

• Smart Wallet – Self-custody with serious features

But the real magic? The numbers.

50% Lower Interchange Fees

Read that again. Larecoin slashes interchange fees by half compared to legacy systems.

For a small business processing $50,000 monthly, that's potentially $625+ back in your pocket every single month. Over a year? That's nearly $7,500 in savings.

That's not incremental improvement. That's transformation.

What Makes Larecoin Different

Let's get specific about why Larecoin stands apart from NOWPayments and CoinPayments.

True Self-Custody with the Smart Wallet

Both NOWPayments and Larecoin offer non-custodial solutions. But Larecoin's Smart Wallet takes it further.

You control your keys. You control your funds. You control your destiny.

No waiting for withdrawals. No third-party risk. No "sorry, your funds are frozen pending review."

The Larecoin Smart Wallet is designed for merchants who want independence without complexity.

NFT Receipts for Tax and Accounting

This is the innovation small businesses didn't know they needed.

Every transaction generates an NFT receipt. Immutable. Timestamped. Permanently verifiable.

Why This Matters:

• Audit-proof transaction records

• Simplified tax documentation

• Automatic accounting integration

• Zero paperwork disputes

Your accountant will love you. The IRS can't question blockchain-verified receipts.

Neither NOWPayments nor CoinPayments offer anything remotely similar.

QR-Generated POS System

Forget expensive hardware. Forget complicated setups.

Larecoin's QR-generated POS works instantly. Generate a code. Customer scans. Payment complete.

Perfect for:

• Pop-up shops

• Food trucks

• Market vendors

• Service businesses

• Brick-and-mortar retail

No terminals. No monthly hardware fees. No technical headaches.

Just payments that work.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	50% lower than legacy
Settlement	Instant	1-3 days	Instant
Self-Custody	Yes	Limited	Full Smart Wallet
NFT Receipts	No	No	Yes
QR POS	Basic	No	Advanced
Stablecoin	Third-party	Third-party	Native LUSD
Ecosystem	Payment only	Payment only	Full commerce suite

The comparison speaks for itself.

The Receivables Token Advantage

Here's something neither competitor offers: LARE as a receivables token.

Traditional payment processors hold your money. Sometimes for days. Sometimes longer.

With Larecoin, receivables are tokenized. You have a real, tradeable, verifiable asset representing your incoming payments.

What This Enables:

• Instant liquidity access

• Receivables-backed financing

• Transparent cash flow management

• Real-time business valuation

Small businesses live and die by cash flow. Larecoin turns that into a superpower.

Real-World Application

Let's paint a picture.

You run a coffee shop. Average transaction: $7.50. Daily transactions: 200.

With Traditional Processors:

• $1,500 daily volume

• 2.9% + $0.30 per transaction fees

• $103.50 daily in fees

• $37,775 yearly in fees

With Larecoin:

• Same volume

• 50% lower interchange

• Approximately $18,888 yearly in fees

• $18,887 saved annually

That's a new espresso machine. Or three months of rent. Or profit that stays in your pocket.

Why Small Businesses Should Care

NOWPayments and CoinPayments are fine. They work. They process crypto.

But "fine" isn't a competitive advantage.

Small businesses need:

• Maximum savings on every transaction

• Instant access to their money

• Simple tax compliance

• Future-proof infrastructure

Larecoin delivers all four. The others deliver one or two at best.

Getting Started

Ready to upgrade your payment processing?

The Larecoin ecosystem makes onboarding simple:

1. Set up your Smart Wallet

2. Configure your QR POS

3. Start accepting payments

4. Watch the savings accumulate

No lengthy applications. No hardware shipments. No waiting.

The Verdict

NOWPayments: Solid choice if you need massive crypto variety and don't mind basic features.

CoinPayments: Reliable veteran, but showing its age. Settlement times are a dealbreaker for many.

Larecoin: The clear winner for small businesses wanting lower fees, innovative features, and a complete commerce ecosystem.

The best crypto POS system for small business isn't just about processing payments. It's about building a foundation for growth.

NFT receipts. Self-custody wallets. 50% fee reduction. QR-based POS.

That's not incremental improvement. That's the future of small business payments.

And the future is Larecoin.