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

Small business. Tight margins. Every percentage point counts.

Traditional payment processors take 2.5-3.5% per transaction. That's roughly $320 on every $10K in revenue. Gone. Poof. Into Visa's pocket.

Crypto POS systems change the game. But which one actually delivers for small business owners?

Let's break down the three contenders: NOWPayments, CoinPayments, and Larecoin.

The Small Business Payment Problem

Here's the reality. You're running a coffee shop, a boutique, a service business. Credit card fees eat into profit daily. Chargebacks create headaches. Settlement takes days.

Crypto payments solve these issues. Lower fees. Instant settlement. No chargebacks.

But not all crypto payment processors are created equal.

Some still charge significant fees. Others hold your funds in custodial wallets. Many lack the speed small businesses need.

Time to compare.

Fee Comparison: Where Your Money Actually Goes

Let's talk numbers. Real numbers.

Platform	Base Fee	Monthly Cost on $10K Revenue
Traditional Processors	2.5-3.5%	~$320
NOWPayments	0.5-1%	~$75-100
CoinPayments	0.5-1%	~$75-100
Larecoin	Gas-only	Network fees only

NOWPayments: Takes 0.5-1% per transaction. Better than Visa. Still adds up over time. On $10K monthly revenue, expect to pay $75-100.

CoinPayments: Similar fee structure. 0.5-1% per transaction. Same ballpark as NOWPayments. Legacy pricing model.

Larecoin: Different approach entirely. Gas-only transfers. You pay blockchain network fees: nothing more. On Solana, that's fractions of a cent per transaction.

The math is simple. Larecoin's gas-only model means keeping more of what you earn.

Cryptocurrency Support: How Many Coins Do You Actually Need?

NOWPayments leads here with 300+ supported cryptocurrencies. Impressive number. Great for businesses serving diverse crypto communities.

CoinPayments supports 40+ cryptocurrencies. Solid selection. Covers the major players.

Larecoin offers comprehensive support plus something unique: a native stablecoin called LUSD.

Here's why LUSD matters for small business.

Bitcoin fluctuates. Ethereum swings. Accepting crypto means accepting volatility risk: unless you have a stablecoin solution built into the ecosystem.

LUSD provides volatility protection within the Larecoin system. Accept payment. Convert to stable value. No wild price swings eating your margins overnight.

Transaction Speed: Time Is Money

Small business needs fast confirmation. Customer standing at the counter. Line forming behind them.

NOWPayments: Approximately 5 minutes per transaction. Acceptable for online. Awkward for in-person retail.

CoinPayments: Minutes to hours depending on network congestion. Bitcoin transactions can take significantly longer during high-traffic periods.

Larecoin: Sub-second finality on Solana blockchain. Customer pays. Transaction confirms. Done.

For brick-and-mortar small business, transaction speed isn't a nice-to-have. It's essential. Nobody wants to wait 5 minutes for coffee confirmation.

Self-Custody: Who Controls Your Money?

This is where things get philosophical. And practical.

Traditional payment processors hold your funds. Banks hold your funds. You're asking permission to access money that customers paid you.

Crypto was supposed to fix this. Not all crypto payment processors got the memo.

NOWPayments: Full self-custody available. Your keys, your coins. Good approach.

CoinPayments: Partial/limited self-custody options. Some control, but not complete independence.

Larecoin: Full self-custody with Smart Wallet integration. Complete control from day one.

Merchant freedom means owning your funds completely. No frozen accounts. No arbitrary holds. No asking permission.

NFT Receipts: The Future of Transaction Records

Here's where Larecoin gets interesting.

Traditional receipts are paper. Digital receipts are emails that get lost. Standard crypto transactions create basic records.

Larecoin generates NFT receipts. Every transaction creates an immutable, on-chain record.

Why does this matter?

Accounting: NFT receipts can't be altered, lost, or disputed. Perfect audit trail.

Proof of Purchase: Customers have verifiable proof forever. Great for warranties, returns, loyalty programs.

Business Intelligence: On-chain data creates opportunities for analytics and customer insights.

NOWPayments and CoinPayments: Standard transaction records. Functional but basic.

Larecoin: NFT receipts as default. Innovation baked into every transaction.

For small businesses thinking long-term, immutable transaction records aren't just cool tech. They're competitive advantage.

Integration and Setup: Getting Started

Small business owners don't have IT departments. Setup needs to be simple.

NOWPayments: Solid API documentation. Multiple integration options. Works with major e-commerce platforms. Enterprise features available.

CoinPayments: Established platform with legacy stability. Straightforward setup process. Been around long enough that most issues are documented.

Larecoin: Contactless POS system built for merchants. Merchant portal designed for simplicity. Smart Wallet makes self-custody accessible to non-technical users.

All three platforms offer workable integration paths. The question is which feature set matches your business needs.

The Decision Framework

Stop asking "which is best?" Start asking "which is best for my specific situation?"

Choose NOWPayments If:

• You need access to 300+ tokens

• Enterprise-grade features matter

• You operate Web3 treasuries

• Control and auditability are paramount

• Diverse cryptocurrency customer base

Choose CoinPayments If:

• You prioritize established platforms

• Legacy stability matters more than cutting-edge features

• Simple, straightforward implementation needed

• Mainstream crypto acceptance is sufficient

Choose Larecoin If:

• Fee reduction is critical to profitability

• Full self-custody is non-negotiable

• NFT receipts for accounting and transparency appeal

• Native stablecoin for volatility protection needed

• Sub-second transaction speed required

• Merchant independence is a priority

Real Talk: What Small Business Actually Needs

Most small businesses accepting crypto want three things:

The differentiators come down to philosophy.

Do you want a platform that minimizes fees to gas-only? Larecoin.

Do you need maximum cryptocurrency variety? NOWPayments.

Do you prefer proven legacy stability? CoinPayments.

The Merchant Freedom Factor

Here's the bigger picture.

Traditional payment processing created dependency. Merchants depend on banks. Banks depend on card networks. Everyone takes a cut. Everyone has rules.

Crypto payment processing should create independence. Direct peer-to-peer transactions. Self-custody of funds. No intermediary permission required.

Larecoin builds around this principle. Gas-only fees. Full self-custody. NFT receipts you control. LUSD stability without third-party risk.

Merchant freedom isn't just about saving money. It's about running your business without asking permission.

Getting Started

Ready to reduce payment processing costs? Here's the path forward:

For Larecoin specifically, visit the merchant portal to explore the ecosystem. Smart Wallet setup. POS integration. LUSD conversion options.

The crypto payment revolution is here. Small businesses that adapt early capture the advantage.

Lower fees. Faster transactions. True ownership.

That's the promise. Time to deliver.