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

Small business owners. You're tired of getting crushed by payment processing fees. We get it.

Legacy card processors eating 3-4% of every sale? Painful. Chargebacks? Even worse. And now everyone's talking about crypto payments, but which platform actually delivers?

Let's cut through the noise.

Three major players. One winner. Here's your no-BS breakdown of NOWPayments vs CoinPayments vs Larecoin.

The State of Crypto POS in 2026

Crypto payments aren't experimental anymore. They're mainstream.

But here's the problem: most small business owners pick a crypto payment processor based on... vibes? Marketing? A random Reddit thread?

Bad move.

The right crypto POS system can slash your interchange fees by 50%. The wrong one? Hidden costs, custody nightmares, and zero innovation.

Let's fix that.

NOWPayments: The Established Player

What they do well:

NOWPayments supports 300+ cryptocurrencies. That's impressive breadth. They're non-custodial, payments go directly to your wallet after processing. No middleman holding your funds hostage.

Processing fees? Competitive at 0.5-1% depending on transaction type.

They've built solid integrations. Shopify, WooCommerce, Magento. The basics are covered.

Where they fall short:

Generic. NOWPayments solves the "accept crypto" problem. That's it.

No innovation in receipts or accounting. No ecosystem plays. No stablecoin integration that actually benefits YOUR business model.

For small businesses needing more than basic acceptance? You'll outgrow them fast.

CoinPayments: The Veteran

What they do well:

CoinPayments has been around forever in crypto terms. They've processed billions in transactions. That's track record.

Same fee structure as NOWPayments, 0.5-1%. Multiple cryptocurrency support across major networks.

They offer shopping cart plugins and a multi-coin wallet. Standard stuff.

Where they fall short:

Operational burden falls on YOU.

Wallet security? Your problem. Integration complexity? Figure it out. Accounting for tax season? Good luck.

CoinPayments gives you tools. Not solutions.

For small business owners already stretched thin? That's a dealbreaker.

Larecoin: The Ecosystem Approach

Here's where things get interesting.

Larecoin isn't just a payment processor. It's a complete receivables ecosystem built specifically for businesses that want MORE than basic crypto acceptance.

The Stack:

• LARE Token , The receivables token powering the entire ecosystem

• LUSD , Stablecoin version for price stability

• LarePAY , Payment processing infrastructure

• LareBlocks , Developer tools and integrations

This isn't a bolt-on solution. It's infrastructure designed from day one for merchant needs.

Fee Structure That Actually Helps

Here's the math that matters:

Legacy card processors: 2.5-3.5% + per-transaction fees NOWPayments/CoinPayments: 0.5-1% Larecoin: Slashing interchange fees by 50% versus legacy systems

On $100,000 in annual sales? That's potentially $1,500-2,500 back in your pocket. Every year.

For a small business running on tight margins? That's rent. That's inventory. That's actual money.

Self-Custody Done Right

Both NOWPayments and CoinPayments offer non-custodial options. Great.

But Larecoin's Smart Wallet takes it further.

True self-custody. Your keys, your coins. Always.

Gas-only transfers. Move funds without bleeding fees.

Push-to-card functionality. Convert to fiat when YOU need it, not when the processor decides.

The Smart Wallet isn't an afterthought. It's core infrastructure.

NFT Receipts: The Tax Season Game-Changer

This is where Larecoin leaves the competition in the dust.

Every transaction generates an NFT receipt.

Why does this matter?

• Immutable proof of every sale

• Automatic record-keeping on-chain

• Tax documentation that your accountant will actually understand

• Audit-proof transaction history

No more spreadsheet nightmares. No more "wait, what was that transaction?" moments in April.

NFT receipts solve a problem most crypto payment processors don't even acknowledge exists.

QR-Generated POS

Forget expensive hardware.

Larecoin's QR-generated POS system means you can accept crypto payments with:

• A smartphone

• An internet connection

• That's literally it

Generate a QR code. Customer scans. Payment confirmed. Done.

No terminals to lease. No hardware fees. No maintenance contracts.

For food trucks, pop-up shops, farmers markets, service businesses, this is revolutionary simplicity.

The Real Comparison: Features That Matter

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	50% below legacy
Cryptocurrency Support	300+	Major networks	LARE + LUSD ecosystem
Self-Custody	Yes	Yes	Smart Wallet
NFT Receipts	No	No	Yes
QR POS	Basic	Basic	Native
Stablecoin Integration	Third-party	Third-party	LUSD built-in
Accounting Tools	Limited	Limited	NFT-based

The pattern is clear.

NOWPayments and CoinPayments solve yesterday's problem: "Can I accept crypto?"

Larecoin solves tomorrow's: "How do I build a sustainable, efficient, audit-proof payment infrastructure?"

Who Should Use What?

Choose NOWPayments if:

• You need maximum cryptocurrency variety

• Basic acceptance is your only goal

• You're comfortable managing everything yourself

Choose CoinPayments if:

• You want veteran platform stability

• Multi-coin wallet appeals to you

• Technical complexity doesn't scare you

Choose Larecoin if:

• Cutting interchange fees is priority one

• You want NFT receipts for seamless accounting

• Self-custody with push-to-card flexibility matters

• QR-generated POS fits your business model

• You're thinking about payment infrastructure, not just payment acceptance

The Bottom Line for Small Business Owners

Here's the truth nobody else will tell you:

Most crypto payment processors treat small businesses as an afterthought. They build for enterprise clients and let you use the leftovers.

Larecoin flips that script.

The ecosystem: LARE, LUSD, LarePAY, LareBlocks: exists specifically because small businesses deserve better than 3% fees and spreadsheet chaos.

NFT receipts aren't a gimmick. They're the future of business accounting.

QR-generated POS isn't a workaround. It's smart infrastructure for lean operations.

Self-custody through the Smart Wallet isn't optional security theater. It's your money, your control, period.

Ready to Stop Overpaying?

Small business margins are tight enough. Every percentage point matters.

When you're comparing crypto POS systems, don't just ask "Can I accept crypto?"

Ask: "Which platform actually helps my business grow?"

NOWPayments and CoinPayments are fine. Adequate. Serviceable.

Larecoin? Built different.

Explore the ecosystem at larecoin.com and see what Web3 payments should actually look like.

Your accountant will thank you come tax season.