NOWPayments vs CoinPayments vs Larecoin: Which Crypto POS System Is Actually Better For Your Small Business?

Small business owners. You've heard the pitch a thousand times.

"Accept crypto payments!" they say. "It's the future!" they insist.

But here's the thing nobody tells you: not all crypto payment processors are created equal. Some will nickel-and-dime you. Others hold your funds hostage. And a few? They're actually built for businesses like yours.

Today we're breaking down three major players: NOWPayments, CoinPayments, and Larecoin. By the end, you'll know exactly which one deserves your attention, and your transactions.

Let's get into it.

The Crypto POS Landscape in 2026

The market's evolved. Dramatically.

Gone are the days when accepting Bitcoin meant hoping your customer could figure out a 34-character wallet address. Modern crypto POS systems offer QR codes, instant conversions, and seamless checkout experiences.

But fees? Custody models? Integration complexity?

That's where things get messy.

NOWPayments: The Flexibility Play

What they offer: 300+ cryptocurrencies. Non-custodial model. Self-serve setup.

NOWPayments has carved out a solid reputation. Their non-custodial approach means funds go directly to your wallet. No middleman holding your crypto overnight.

The Good:

• Instant onboarding

• 300+ supported tokens

• Customizable network fees

• 0.5-1% processing fees

The Not-So-Good:

• No phone support

• Limited POS hardware options

• Fee structure gets complicated with high-volume transactions

For businesses wanting cryptocurrency variety, NOWPayments delivers. But variety isn't everything. Especially when you're trying to reconcile transactions at tax time.

CoinPayments: The Legacy Option

What they offer: Established since 2014. 40+ cryptocurrencies. Traditional custodial model.

CoinPayments has been around longer than most crypto projects. That's both a strength and a weakness.

The Good:

• Proven track record

• Phone support available

• Crypto-to-fiat payouts

• Enterprise-ready compliance

The Not-So-Good:

• Custodial model (they hold your funds)

• Limited to 40+ cryptocurrencies

• No customizable network fees

• Slower innovation cycle

Here's the uncomfortable truth: CoinPayments operates on a custodial model. Your crypto sits in their wallet until you withdraw it. In a world where "not your keys, not your coins" is gospel, that's a significant concern for security-conscious merchants.

Larecoin: The Small Business Game-Changer

Now let's talk about the platform that's actually built with small businesses in mind.

Larecoin isn't just another payment processor. It's an entire ecosystem designed to slash your costs while giving you complete control over your funds.

Here's what sets it apart:

50% Lower Interchange Fees

This is the headline number that makes accountants do a double-take.

Legacy payment systems charge 2.5-3.5% per transaction. NOWPayments and CoinPayments hover around 0.5-1%. Solid improvements.

Larecoin? Cuts those fees by another 50%.

For a small business processing $50,000 monthly, that's potentially $250-500 back in your pocket. Every single month. That adds up to $3,000-6,000 annually. Real money.

The Self-Custody Smart Wallet

Unlike CoinPayments' custodial approach, Larecoin's Smart Wallet keeps you in complete control.

Your keys. Your crypto. Your business.

The Smart Wallet integrates directly with LarePAY, the payment processing arm of the ecosystem. Transactions settle instantly to your wallet. No waiting. No withdrawal requests. No wondering if a third party is properly securing your assets.

LUSD: Stability When You Need It

Crypto volatility kills small business margins. A customer pays you $100 in crypto, and by the time you convert it, you've got $94.

LUSD solves this.

Larecoin's stablecoin maintains dollar parity while living entirely within the ecosystem. Accept payments in any supported crypto, auto-convert to LUSD, maintain your margins.

Simple.

NFT Receipts: Your Accountant Will Thank You

This is where Larecoin gets genuinely innovative.

Every transaction generates an NFT receipt. Not a gimmick, a functional business tool.

What NFT receipts deliver:

• Immutable transaction records

• Instant tax documentation

• Audit-ready proof of payment

• Zero paper storage headaches

Come April, you're not digging through spreadsheets or reconciling wallet addresses. Every transaction is timestamped, verified, and permanently recorded on-chain.

Your CPA will actually understand your crypto business for once.

QR-Generated POS: No Hardware Required

NOWPayments requires integration work. CoinPayments pushes you toward their preferred hardware.

Larecoin? Generate a QR code. Done.

LarePAY's QR-generated POS system works with the phone already in your pocket. Customer scans. Customer pays. Transaction completes. Funds hit your Smart Wallet.

No expensive terminals. No complex integrations. No IT department required.

The 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
Stablecoin Support	30+	21	LUSD (ecosystem native)
Tax Documentation	Manual	Manual	NFT receipts
POS Setup	Integration required	Hardware options	QR-generated instant
Fee Customization	Yes	No	Yes
Ecosystem Depth	Payment-focused	Payment-focused	Full DeFi ecosystem

Why Small Businesses Are Switching to Larecoin

The math is straightforward.

Scenario: Coffee shop processing 200 transactions daily at $8 average.

• Monthly volume: $48,000

• Legacy processor fees (3%): $1,440/month

• NOWPayments/CoinPayments (1%): $480/month

• Larecoin ecosystem: Significantly lower + no custodial risk

That's not marketing speak. That's your rent payment.

The LareBlocks Advantage

We haven't even discussed LareBlocks: the underlying infrastructure that makes all this possible.

LareBlocks provides the settlement layer for the entire ecosystem. Fast finality. Minimal gas fees. Transparent transaction history.

For small businesses, this translates to:

• Predictable costs

• Instant settlement

• Full transaction visibility

• No blockchain expertise required

You run your business. LareBlocks handles the technical complexity.

Making Your Decision

Look, NOWPayments and CoinPayments aren't bad options. They've served merchants for years.

But the crypto payments space has evolved. What worked in 2020 isn't necessarily optimal in 2026.

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• Your volume is relatively low

• You're comfortable with basic self-serve support

Choose CoinPayments if:

• You prioritize established track record over innovation

• Phone support is non-negotiable

• You're okay with custodial arrangements

Choose Larecoin if:

• Cutting interchange fees matters to your bottom line

• Self-custody is a priority

• NFT receipts would simplify your accounting

• You want a full ecosystem, not just a payment processor

• You're running a small business that needs every dollar to count

Get Started Today

The Larecoin ecosystem is built for businesses exactly like yours. Real merchants. Real transactions. Real savings.

No complex onboarding. No expensive hardware. No custody concerns.

Just a smarter way to accept crypto payments.

Ready to cut your payment processing fees in half while maintaining complete control of your funds?

Visit larecoin.com and see what modern crypto payments actually look like.

Your margins will thank you.