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

Small business owners. You've heard the pitch. "Accept crypto payments!" But here's the thing, not all crypto POS systems are created equal.

Some eat your margins with fees. Others hold your funds hostage. And a few? They actually get what small businesses need.

Today we're breaking down three major players: NOWPayments, CoinPayments, and Larecoin. No fluff. Just facts. Let's find out which one deserves your business.

The Crypto POS Landscape in 2026

Traditional payment processors charge 2.5-3.5% per transaction. For a small business doing $100k annually, that's $2,500-$3,500 gone. Vanished. Into the void.

Crypto payment solutions promise lower fees. But the devil's in the details.

What should you actually look for?

• Fee structure (obvious, but crucial)

• Custody model (who controls your money?)

• Settlement speed (cash flow matters)

• Integration ease (you're running a business, not a tech startup)

• Tax and accounting features (the IRS isn't going anywhere)

Let's see how each platform stacks up.

NOWPayments: The User-Friendly Option

NOWPayments has built a reputation on simplicity. Over 300 supported cryptocurrencies. Clean interface. Non-custodial setup.

The Good:

• 0.5-1% processing fees

• You control your funds immediately

• Customizable network fee options

• Solid API for developers

• Manual invoicing and recurring subscriptions

The Not-So-Good:

• Limited advanced features for business accounting

• No native stablecoin ecosystem

• Standard receipt system (nothing innovative here)

• Fiat conversion requires additional steps

For solopreneurs dipping their toes into crypto payments? NOWPayments works. It's straightforward. It gets the job done.

But "gets the job done" isn't exactly groundbreaking.

CoinPayments: The Veteran Player

CoinPayments has been around the block. Literally. They've processed billions in crypto transactions.

The Good:

• Broad cryptocurrency support

• Mass payout capabilities

• Established track record

• White-label options available

The Not-So-Good:

• Custodial model (they hold your funds)

• Similar 0.5-1% fee range

• Interface feels dated

• No innovative receipt or accounting solutions

Here's the custodial concern. When CoinPayments holds your crypto, you're trusting a third party. In crypto, that's a big ask. We've all seen what happens when centralized platforms go sideways.

For businesses wanting maximum control? Custodial solutions create unnecessary risk.

Larecoin: The Small Business Game-Changer

Now let's talk about Larecoin. Full disclosure, this is our platform. But the features speak for themselves.

The Larecoin Ecosystem Advantage

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

• LARE – The receivables token powering the network

• LUSD – Native stablecoin for predictable settlements

• LarePAY – Merchant payment solution

• LareBlocks – Infrastructure layer

This integrated approach means everything works together. Seamlessly.

Fee Structure That Actually Helps Small Business

Here's where it gets interesting. Larecoin slashes interchange fees by 50% compared to legacy payment systems.

Running that same $100k business? Instead of losing $2,500-$3,500 to Visa and Mastercard, you're keeping significantly more revenue. That's not pocket change. That's your marketing budget. Your inventory investment. Your breathing room.

Self-Custody via the Larecoin Smart Wallet

The Larecoin Smart Wallet gives you what CoinPayments can't, complete control.

Your keys. Your crypto. Your business.

No waiting for withdrawals. No custody risk. Funds hit your wallet the moment transactions confirm.

For small businesses, this means:

• Immediate access to revenue

• No counterparty risk

• Full transparency on every transaction

• Freedom to convert, hold, or spend as you choose

NFT Receipts: Tax Season Just Got Easier

This is where Larecoin genuinely innovates.

Every transaction generates an NFT receipt. On-chain. Immutable. Automatically organized.

Why does this matter?

Traditional crypto payment tracking is a nightmare. Spreadsheets. CSV exports. Manual reconciliation. Your accountant charges extra. The IRS sends letters.

NFT receipts change everything:

• Automatic categorization

• Blockchain-verified timestamps

• Instant tax documentation

• Audit-proof records

• No more "where did that transaction go?"

For small business owners handling their own books? This feature alone justifies the switch.

QR-Generated POS: Accept Payments Anywhere

No expensive hardware. No monthly terminal fees. Just generate a QR code and you're accepting crypto.

In-store? QR code on the counter.

Farmers market? QR code on your phone.

Pop-up shop? QR code printed on a card.

The simplicity is intentional. Small businesses don't need complexity. They need solutions that work.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	50% lower than legacy
Custody Model	Non-custodial	Custodial	Self-custody Smart Wallet
Native Stablecoin	No	No	Yes (LUSD)
NFT Receipts	No	No	Yes
QR POS Generation	Limited	Limited	Full featured
Ecosystem Integration	Standalone	Standalone	Full (LARE, LUSD, LarePAY, LareBlocks)
Tax/Accounting Tools	Basic	Basic	Advanced NFT documentation

The numbers don't lie.

Why Small Businesses Choose Larecoin

Scenario 1: The Coffee Shop

Sarah runs a local coffee shop. 200 transactions daily. Average ticket: $8.

With traditional processors at 2.9% + $0.30:

• Per transaction cost: ~$0.53

• Daily cost: $106

• Monthly cost: $3,180

With Larecoin's reduced fees? She's saving $1,500+ monthly. That's a new espresso machine. Every month.

Scenario 2: The Online Boutique

Marcus sells handmade goods online. International customers. Currency conversion headaches.

LUSD stablecoin eliminates volatility concerns. NFT receipts simplify his quarterly tax filings. Self-custody means no frozen accounts.

His accountant actually thanked him.

Scenario 3: The Food Truck

Jennifer's food truck accepts payments via phone. No terminal. No monthly fees. Just a QR code that generates fresh for each customer.

Line moves faster. Tips go up. Overhead stays down.

The Verdict

NOWPayments and CoinPayments serve their purpose. They've helped bring crypto payments mainstream. Credit where it's due.

But for small businesses in 2026?

Larecoin delivers what others can't:

• Dramatically lower fees

• True self-custody

• NFT receipts for bulletproof accounting

• Native stablecoin for predictable cash flow

• Integrated ecosystem that grows with your business

Ready to Make the Switch?

Your margins matter. Your time matters. Your control over your own money definitely matters.

Check out LarePAY and see what a crypto POS system built for small business actually looks like.

Setup takes minutes. Not days. Not weeks.

Welcome to the future of small business payments.