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

Let's cut to the chase.

You're a small business owner. You want to accept crypto. You've heard about NOWPayments. CoinPayments. Maybe even Larecoin.

But which one actually makes sense for YOUR business?

Not some enterprise corporation with a dedicated treasury team. Your business. The one where every percentage point in fees matters.

Here's the honest breakdown you've been searching for.

The Real Problem With Most Crypto POS Systems

Most crypto payment processors built their platforms for the crypto-curious. Not the crypto-serious.

They charge fees that rival traditional credit card processors. They don't give you real custody of your funds. And tax season? Good luck sorting through thousands of transactions without proper receipts.

Small businesses deserve better.

Let's see how the three main players stack up.

NOWPayments: The Quantity Play

The pitch: Accept 300+ cryptocurrencies with instant setup.

NOWPayments built its reputation on variety. Over 300 supported tokens including 30+ stablecoins. If your customer wants to pay in some obscure altcoin, NOWPayments probably supports it.

Fees: 0.5-1% processing fees. No service fees on payouts.

Best feature: Customizable network fee options. You decide whether to absorb gas fees or pass them to customers.

The catch: Self-serve everything. No phone support. If you hit a snag, you're navigating knowledge bases solo. Their white-label solution works, but it's not built specifically for brick-and-mortar small businesses.

Verdict: Solid for online-first businesses with tech-savvy teams. Less ideal if you need hands-on support or a physical POS solution that just works.

CoinPayments: The Veteran

The pitch: Established player with proven transaction volume.

CoinPayments has been around the block. Literally. They've processed billions in crypto payments and built a reputation for reliability.

Fees: 0.5-1% processing fees. Similar structure to NOWPayments.

Cryptocurrency support: 40+ tokens with 21 stablecoins. Less variety than NOWPayments, but they cover the majors.

Best feature: Pre-built POS terminals and payment links. If you want plug-and-play hardware, they've got options.

The catch: Limited customization on network fees, your customers cover gas directly. Setup can be more curated (read: slower). And like most processors, you're still looking at fees that approach traditional interchange rates.

Verdict: Good for businesses wanting proven infrastructure and hardware solutions. But you're not getting any revolutionary cost savings.

Larecoin: The Small Business Disruptor

Here's where things get interesting.

Larecoin wasn't built to be another crypto payment processor. It was built to fundamentally change how small businesses handle receivables.

The pitch: Slash interchange fees by 50%. Own your funds. Get NFT receipts for seamless accounting.

Let's break down what makes this different.

50% Lower Fees Than Legacy Systems

This is the headline number. And it matters.

Traditional card processors charge 2.5-3.5% per transaction. That's $25-35 disappearing from every $1,000 in sales.

NOWPayments and CoinPayments charge 0.5-1%. Better. But Larecoin's ecosystem is designed to cut costs even further through its receivables token structure and direct settlement.

For a small business doing $500K annually, we're talking thousands saved. Every year.

Self-Custody With The Larecoin Smart Wallet

Here's something NOWPayments and CoinPayments don't emphasize: when you process through their platforms, your funds sit in their custody until payout.

Not your keys, not your crypto.

The Larecoin Smart Wallet changes this. True self-custody from the moment of transaction. Your receivables token hits YOUR wallet instantly. No waiting for batch payouts. No counterparty risk.

This matters more than most small business owners realize, until they see a processor freeze funds or delay payouts.

LUSD: Stability Built In

Volatility kills crypto adoption for merchants. You accept $100 in Bitcoin, and by the time you pay suppliers, it's worth $85.

LUSD is Larecoin's stablecoin solution. Instant conversion. Price stability. Your $100 stays $100.

The ecosystem includes seamless swaps between LARE (the receivables token) and LUSD, so you get the best of both worlds: crypto efficiency without crypto volatility.

NFT Receipts: Your Accountant Will Thank You

This is the innovation nobody else is doing.

Every transaction through LarePAY generates an NFT receipt. Immutable. Time-stamped. Permanently recorded on-chain.

Tax season? Export your receipt NFTs directly to your accounting software. Audit trail? Built in automatically. Lost receipts? Literally impossible.

For small businesses drowning in paper receipts and scattered transaction logs, this is a game-changer.

QR-Generated POS: No Hardware Required

CoinPayments sells POS terminals. NOWPayments requires API integration.

Larecoin? Generate a QR code. Done.

Your customers scan. They pay. You receive. No expensive hardware. No complicated setup. Works on any smartphone or tablet you already own.

This is what small business crypto payments should look like.

The Feature Comparison You Actually Need

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Up to 50% less than legacy
Cryptocurrencies	300+	40+	Full ecosystem (LARE, LUSD)
Self-Custody	No	No	Yes (Smart Wallet)
NFT Receipts	No	No	Yes
QR POS	Limited	Yes	Yes (no hardware)
Stablecoin	Third-party	Third-party	Native (LUSD)
Small Business Focus	Moderate	Moderate	Primary

Why Larecoin Wins For Small Business

Let's be real.

If you're an enterprise processing millions monthly and need 300 obscure altcoins, NOWPayments has you covered.

If you want proven volume numbers and don't mind traditional fee structures, CoinPayments works.

But if you're a small business owner who actually cares about:

• Keeping more money (50% fee reduction)

• Owning your funds (self-custody)

• Simplifying taxes (NFT receipts)

• Easy setup (QR-based POS)

• Price stability (LUSD)

Then the choice is clear.

Larecoin built its entire ecosystem: LarePAY, LareBlocks, the Smart Wallet: around solving real problems for real small businesses. Not adapting enterprise solutions downward.

Ready To Actually Save Money?

Here's what to do next.

Step 1: Visit the Larecoin payments page and explore LarePAY.

Step 2: Set up your Larecoin Smart Wallet for true self-custody.

Step 3: Generate your first QR code and start accepting crypto today.

No lengthy onboarding. No expensive hardware. No middlemen holding your funds.

Just a payment system that finally works for small businesses.

The crypto payment space has options. But for small business owners who want maximum savings with minimum hassle, the math points one direction.

Time to stop paying legacy fees for next-gen technology.