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

Small business owners are tired of getting crushed by fees.

Credit card processors take 2-3%. Interchange fees eat margins. Banks hold your money hostage.

Enter crypto POS systems. A way to accept payments directly. Cut out middlemen. Keep more revenue.

But which platform actually delivers for small businesses?

Let's break down NOWPayments, CoinPayments, and Larecoin. See which crypto POS system deserves your attention.

The Crypto POS Landscape in 2026

Traditional payment processors have small businesses in a chokehold. Every swipe costs you money. Every transaction feeds the banking machine.

Crypto POS systems flip this model. Accept digital payments. Reduce merchant interchange fees. Gain financial sovereignty.

Three platforms dominate the conversation right now. Each brings something different to the table.

NOWPayments: The User-Friendly Option

NOWPayments positions itself as the accessible gateway to crypto payments.

What You Get:

• 300+ supported cryptocurrencies

• Non-custodial setup (they don't hold your funds)

• 0.5-1% processing fees

• Customizable network fee options

• API and manual invoicing

• White-label capabilities

The interface is clean. Integration is straightforward. Small businesses can get started without a technical background.

NOWPayments shines with its flexibility on network fees. You can absorb them, split them, or pass them to customers. This customization improves checkout conversion rates.

The Catch:

No self-custody merchant accounts. Limited accounting integration. No NFT receipts for tracking. You're still dependent on their infrastructure for settlement.

As a NOWPayments alternative, businesses increasingly look for platforms offering more than just payment processing.

CoinPayments: The Veteran Player

CoinPayments has been around longer. Broader cryptocurrency support. Established reputation.

What You Get:

• Even more crypto asset coverage than NOWPayments

• 0.5-1% processing fees (comparable)

• CSV mass payouts

• Recurring subscription support

• On-chain payment processing

• Shopping cart plugins

CoinPayments works. It's reliable. Merchants who need extensive altcoin support often land here.

The Catch:

The interface feels dated. Setup complexity is higher. The platform operates as custodial, meaning they hold funds temporarily. That's a security consideration.

Many small businesses seeking a CoinPayments alternative want something more modern. Something built for Web3 from the ground up.

Larecoin: The Web3-Native Contender

Here's where things get interesting.

Larecoin isn't just a payment processor. It's a complete Web3 global payments ecosystem designed for merchants who want full control.

What Sets Larecoin Apart:

Self-Custody Merchant Accounts

Your funds. Your wallet. Your keys.

Larecoin enables true self-custody merchant accounts. No intermediary holding your revenue. Funds flow directly to your wallet after each transaction.

This isn't just about security. It's about financial sovereignty. Your business operates bank-free. No holds. No freezes. No surprise account closures.

NFT Receipts for Accounting

This feature alone changes the game.

Every transaction generates an NFT receipt. Immutable. Verifiable. Permanently recorded on-chain.

For accounting purposes? Revolutionary.

NFT receipts for accounting eliminate paper trails. Audits become straightforward. Proof of transaction exists forever on the blockchain. Your accountant will thank you.

LUSD Stablecoin Benefits

Volatility kills merchant adoption. Nobody wants to accept Bitcoin if it drops 10% before they can convert it.

LUSD solves this. Larecoin's stablecoin maintains consistent value. Accept payments in LUSD. Hold in LUSD. Pay suppliers in LUSD.

The LUSD stablecoin benefits extend beyond stability. Lower gas fees. Faster settlement. Designed specifically for merchant use cases.

The Receivables Token

Larecoin introduces receivable tokens, a novel concept in merchant finance.

Pending payments become tokenized assets. Use them as collateral. Trade them. Access liquidity before settlement.

Small businesses often struggle with cash flow. Receivable tokens unlock capital that would otherwise be trapped in transit.

Feature Comparison: Head-to-Head

Feature	NOWPayments	CoinPayments	Larecoin
Custody Model	Non-custodial	Custodial	Self-custody
Processing Fees	0.5-1%	0.5-1%	Lower (50%+ savings potential)
NFT Receipts	No	No	Yes
Stablecoin Integration	Third-party	Third-party	Native LUSD
Receivables Tokenization	No	No	Yes
Web3 Native	Partial	No	Yes
Contactless POS	Limited	Limited	Full Support
Merchant Portal	Basic	Basic	Advanced

The differences become clear quickly.

Why Fee Reduction Matters for Small Business

Let's talk numbers.

Traditional credit card processing: 2.5-3.5% per transaction. NOWPayments/CoinPayments: 0.5-1% per transaction. Larecoin: Potential to reduce merchant interchange fees by 50% or more.

For a business processing $100,000 monthly:

• Traditional: $2,500-$3,500 in fees

• Standard crypto POS: $500-$1,000 in fees

• Larecoin: Even lower with gas-only transfers

That's thousands back in your pocket annually. Revenue that compounds. Margins that improve. Growth that accelerates.

The Global Reach Factor

Small businesses aren't just local anymore.

E-commerce is borderless. Freelancers work internationally. Services reach customers worldwide.

Traditional payment systems create friction here. Currency conversion fees. International transfer delays. Banking access requirements.

Web3 global payments through Larecoin eliminate these barriers. Accept payments from anywhere. Settle instantly. No borders. No banking relationships required.

Setting Up Your Crypto POS System

Getting started with any of these platforms follows a similar path.

NOWPayments Setup:

1. Create account

2. Connect wallet

3. Generate payment widgets or API keys

4. Integrate with your checkout

CoinPayments Setup:

1. Register and verify

2. Configure supported currencies

3. Install shopping cart plugins

4. Set payout preferences

Larecoin Setup:

1. Access the merchant portal

2. Configure self-custody wallet connection

3. Set up contactless POS integration

4. Enable NFT receipt generation

5. Choose LUSD or multi-crypto acceptance

Larecoin's setup includes more features out of the box. But the process remains accessible for non-technical merchants.

Who Should Use What?

Choose NOWPayments if:

• You need quick, simple crypto payment acceptance

• User interface matters more than advanced features

• You're testing crypto payments for the first time

Choose CoinPayments if:

• You need extensive altcoin support

• You already use their shopping cart integrations

• Established reputation matters to your customers

Choose Larecoin if:

• Self-custody and financial sovereignty are priorities

• You want NFT receipts for clean accounting

• Fee reduction is a primary goal

• You're building a bank-free business operation

• Global reach matters to your growth strategy

The Verdict

NOWPayments and CoinPayments get the job done. They've proven themselves. Merchants use them successfully.

But they're incrementally better than traditional payments. Not transformatively different.

Larecoin represents something else. A complete Web3 payment infrastructure. Self-custody. NFT receipts. Native stablecoin. Receivables tokenization. Contactless POS.

For small businesses serious about reducing costs, maintaining control, and building for the future: Larecoin delivers features the others simply don't offer.

The crypto POS system for small business isn't just about accepting different money. It's about operating differently. Owning your financial infrastructure. Breaking free from intermediaries.

That's the real comparison here.

Ready to explore what self-custody merchant accounts can do for your business? Check out Larecoin's ecosystem and see the difference for yourself.