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

Small business owners are tired of watching profits disappear into payment processor fees.

Traditional merchant interchange fees eat 2.5-3.5% of every transaction. That's thousands of dollars annually, gone.

Crypto POS systems offer a way out. But which one actually delivers?

Three platforms dominate the conversation: NOWPayments, CoinPayments, and Larecoin. Each promises lower fees. Each claims to be the future of payments.

Let's break down which crypto POS system is best for small business, no fluff, just facts.

The Fee Problem Every Merchant Faces

Here's the math that keeps business owners up at night.

Processing $10,000 monthly through traditional payment rails? That's roughly $320 in fees. Every. Single. Month.

Scale to $500,000 annually? You're bleeding $12,500-17,500 to payment processors.

NOWPayments and CoinPayments both charge 0.5-1% per transaction. That's a significant improvement, roughly $75-100 on that same $10,000 monthly volume.

But Larecoin operates differently. Gas-only model. Under $2,000 annually on half a million in revenue.

The numbers speak for themselves.

NOWPayments: The Token Variety Play

NOWPayments built its reputation on one thing: options.

300+ cryptocurrencies supported. If your customer wants to pay in some obscure altcoin, NOWPayments probably accepts it.

Strengths:

• Extensive token support for diverse customer bases

• Enterprise-grade auditability features

• Established platform with proven track record

• Solid API documentation for developers

Considerations:

• Custodial solution, they hold your funds

• 0.5-1% fees still add up over time

• No native stablecoin integration

• Traditional payment infrastructure wrapped in crypto

For businesses prioritizing maximum cryptocurrency acceptance, NOWPayments delivers. But that breadth comes with trade-offs.

CoinPayments: The Legacy Choice

CoinPayments has been around since 2013. Longevity matters in crypto.

The platform appeals to established businesses wanting simplicity. Plug it in. Accept crypto. Done.

Strengths:

• Time-tested stability

• Large variety of supported coins

• Simple integration process

• Familiar interface for crypto newcomers

Considerations:

• Custodial model, your keys aren't your coins

• Similar 0.5-1% fee structure

• Limited innovation on core features

• Prioritizes legacy systems over Web3 native tools

CoinPayments works. It's just not pushing boundaries.

Larecoin: The Web3-Native Alternative

Different approach. Different philosophy.

Larecoin isn't just another payment processor wearing a crypto costume. It's built from the ground up for Web3.

Self-custody merchant accounts mean you control your funds. Not a third party. Not an exchange. You.

LUSD stablecoin integration eliminates volatility concerns. Accept payments. Keep stable value. Simple.

NFT receipts for accounting transform every transaction into a verifiable, immutable record. Your accountant will thank you.

What sets Larecoin apart:

• Gas-only fee structure slashes costs by 50%+ compared to competitors

• Self-custody architecture, financial sovereignty built in

• Native LUSD stablecoin benefits for price stability

• NFT receipts create audit-ready transaction records

• Merchant analytics dashboard

• DAO governance participation

This isn't incremental improvement. It's a fundamentally different model.

The Real Comparison: Side-by-Side Breakdown

Let's put all three platforms head-to-head.

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Gas-only (~50% lower)
Custody Model	Custodial	Custodial	Self-custody
Native Stablecoin	No	No	Yes (LUSD)
NFT Receipts	No	No	Yes
Token Support	300+	Extensive	Optimized selection
Merchant Analytics	Basic	Basic	Advanced
DAO Governance	No	No	Yes

The pattern is clear.

NOWPayments and CoinPayments optimize for the old model. More tokens. Easier onboarding. Custodial convenience.

Larecoin optimizes for what matters: lower fees, true ownership, and Web3-native features that create real business value.

Why Self-Custody Matters for Merchants

Here's the uncomfortable truth about custodial solutions.

When a platform holds your funds, you're trusting them with your business capital. Exchange hacks. Regulatory seizures. Platform insolvency.

These aren't hypothetical risks. They're documented history.

Self-custody merchant accounts eliminate this vulnerability. Your wallet. Your keys. Your control.

Larecoin's architecture ensures merchants maintain complete financial sovereignty while still accessing the benefits of crypto payments.

Bank-free business operations aren't just possible: they're practical.

NFT Receipts: More Than a Gimmick

Every transaction generates an NFT receipt on Larecoin.

Why does this matter?

For accounting: Immutable, timestamped records that auditors can verify independently.

For disputes: Cryptographic proof of every payment received.

For taxes: Clean, exportable transaction history that integrates with existing workflows.

Traditional receipts can be altered, lost, or disputed. NFT receipts can't.

This isn't innovation for innovation's sake. It's solving real problems merchants face daily.

LUSD Stablecoin Benefits for Small Business

Crypto volatility kills adoption.

Accept $100 in Bitcoin. Watch it become $80 before you can pay suppliers.

LUSD stablecoin integration solves this. Instantly convert incoming payments to stable value. Hold, spend, or transfer without market exposure.

No more checking prices nervously. No more timing conversions. Just stable, usable funds.

For small businesses operating on tight margins, this stability isn't optional: it's essential.

The Receivables Token Advantage

Larecoin introduces something neither competitor offers: receivables tokens.

Transform outstanding invoices into tradeable assets. Access liquidity without waiting 30, 60, or 90 days for payment.

This unlocks cash flow optimization strategies previously available only to large enterprises with factoring relationships.

Small business. Enterprise-level financial tools.

Global Reach Without Borders

Web3 global payments mean exactly that.

No bank approval required. No geographic restrictions. No currency conversion headaches.

A merchant in Miami can accept payment from a customer in Mumbai: instantly, directly, with minimal fees.

For businesses targeting international markets, this removes barriers that traditional payment processors create.

Making the Right Choice

Choose NOWPayments if: Token variety is your top priority and you're comfortable with custodial solutions.

Choose CoinPayments if: You want simplicity, proven stability, and don't need cutting-edge features.

Choose Larecoin if: You prioritize lower fees, self-custody, NFT receipts for accounting, and true Web3 integration.

For small businesses serious about reducing merchant interchange fees and maintaining financial sovereignty, the choice is straightforward.

Ready to Slash Your Payment Processing Costs?

Traditional processors take too much. Legacy crypto platforms don't go far enough.

Larecoin delivers what merchants actually need: dramatically lower fees, complete control, and tools built for the Web3 era.

Explore the platform. Run the numbers on your current processing costs. See the difference for yourself.

Visit Larecoin to learn more about the crypto POS system designed specifically for small business success.

The future of payments is here. Your margins will thank you.