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

Small business owners are done with traditional payment processors. High interchange fees. Frozen accounts. Chargebacks eating into margins.

Crypto POS systems offer a way out.

But which one actually delivers for small businesses? Let's break down three major players: NOWPayments, CoinPayments, and Larecoin.

Spoiler: they're not created equal.

The Crypto POS Landscape in 2026

The market has matured. Crypto payments aren't just for tech enthusiasts anymore. Your local coffee shop accepts Bitcoin. Your accountant wants blockchain receipts.

But here's the problem: most crypto payment processors still operate like traditional fintech companies. Custody issues. Hidden fees. Limited functionality.

Small businesses need more.

They need:

• Lower processing fees

• Self-custody options

• Seamless accounting integration

• Global reach without currency headaches

Let's see how each platform stacks up.

NOWPayments: The Flexibility Play

NOWPayments markets itself as a "crypto acceptance layer." Non-custodial. Quick integration. Over 300 cryptocurrencies supported.

The Good:

• Supports 300+ cryptocurrencies

• Fast self-serve onboarding

• 24/7 support via chat, email, and Telegram

• Works with popular e-commerce platforms

• Customizable payment configurations

The Not-So-Good:

• Non-custodial means YOU handle wallet security

• Limited POS-specific features

• No built-in stablecoin solution

• Fees range from 0.5-1%

• No NFT receipt functionality

NOWPayments works well for online stores wanting basic crypto acceptance. But for brick-and-mortar small businesses? The POS capabilities feel like an afterthought.

The platform requires merchants to manage their own operational controls. That's fine if you're crypto-native. Overwhelming if you're not.

CoinPayments: The Conservative Choice

CoinPayments takes a more curated approach. Fewer coins (50+), but more focus on core functionality.

The Good:

• On-chain payments

• Invoicing and subscriptions

• White-label solutions available

• Established reputation

• Similar 0.5-1% processing fees

The Not-So-Good:

• Smaller cryptocurrency selection

• More structured onboarding (slower)

• Traditional custodial approach

• No innovative receipt solutions

• Limited Web3 integration

CoinPayments feels like a bridge product. It brings crypto to traditional business models without reimagining what payment processing could be.

For businesses wanting to dip their toes into crypto? Adequate.

For businesses wanting to transform their payment infrastructure? Limiting.

Larecoin: The Web3 Revolution

Here's where things get interesting.

Larecoin isn't just another crypto payment processor. It's a complete Web3 payment ecosystem built specifically for merchants who want financial sovereignty.

What Sets Larecoin Apart:

Self-Custody Merchant Accounts

Your funds. Your control. Period.

Unlike traditional processors that hold your money hostage, Larecoin's self-custody model means you maintain complete control over your assets. No frozen accounts. No waiting periods. No permission needed to access YOUR money.

This is what bank-free business operations actually look like.

LUSD Stablecoin Benefits

Volatility kills merchant adoption. Larecoin solved this with LUSD.

Accept payments in any cryptocurrency. Automatically convert to LUSD for stability. Avoid the rollercoaster of Bitcoin price swings while still enjoying all the benefits of blockchain payments.

For small businesses managing tight margins, this is game-changing.

NFT Receipts for Accounting

This is the feature nobody knew they needed.

Every transaction generates an NFT receipt. Immutable. Verifiable. Automatically organized.

Tax season becomes infinitely simpler. Audits become trivial. Your accountant will actually understand your crypto transactions.

Traditional processors can't do this. NOWPayments can't do this. CoinPayments can't do this.

Only Larecoin.

Receivables Token

Transform your outstanding invoices into tradeable tokens. Improve cash flow without taking on debt. Access capital trapped in unpaid invoices.

This isn't just payment processing. It's financial infrastructure for the Web3 era.

Fee Comparison: The Numbers Don't Lie

Let's talk money. Because that's what matters to small businesses.

Platform	Processing Fee	Payout Fee	Hidden Costs
NOWPayments	0.5-1%	0%	Wallet management
CoinPayments	0.5-1%	0%	Conversion fees
Larecoin	Significantly lower	Minimal gas fees	None

Larecoin's fee structure can slash merchant interchange fees by 50% or more compared to traditional processors. Combined with self-custody, merchants keep more of every transaction.

For a small business processing $50,000 monthly, that's potentially thousands in annual savings.

Global Reach: Borderless by Design

Small businesses are going global. E-commerce knows no borders. Remote services span continents.

Traditional payment processors make international transactions painful. Currency conversion fees. Bank holds. Compliance nightmares.

Larecoin's Web3 global payments infrastructure eliminates these barriers. Accept payments from anywhere. Settle in LUSD. Withdraw to local currency when needed.

No intermediary banks. No SWIFT delays. No arbitrary limits.

The Integration Question

NOWPayments: Quick API integration. Works with Shopify, WooCommerce, PrestaShop. Limited POS hardware support.

CoinPayments: Similar e-commerce integrations. More traditional checkout experience. Basic POS options.

Larecoin: Full contactless POS solution. Merchant portal access. Smart wallet integration. Works both online and in-store.

For small businesses operating physical locations, Larecoin's contactless POS capabilities are unmatched. Accept crypto payments as easily as tap-to-pay cards.

Security: Who Really Has Your Back?

NOWPayments is non-custodial. You manage security. Hope you don't lose those keys.

CoinPayments is custodial. They manage security. Hope they don't get hacked.

Larecoin offers the best of both worlds. Self-custody with smart wallet technology. You control the keys. But the infrastructure supports you with enterprise-grade security features.

Financial sovereignty without the technical burden.

The Verdict: Which Crypto POS System Wins?

Choose NOWPayments if: You only sell online, want maximum cryptocurrency options, and have technical expertise to manage non-custodial wallets.

Choose CoinPayments if: You want a conservative entry point to crypto payments with minimal learning curve.

Choose Larecoin if: You want a complete Web3 payment solution that reduces fees, provides NFT receipts for accounting, offers true self-custody, and positions your business for the decentralized future.

For small businesses serious about financial sovereignty and operational efficiency, Larecoin isn't just an alternative to NOWPayments or CoinPayments.

It's the evolution.

Ready to Transform Your Payment Infrastructure?

The crypto POS system you choose today shapes your business tomorrow. Traditional processors are extracting value from your transactions. Legacy crypto processors are half-measures.

Larecoin represents what payment processing should be: merchant-first, fee-minimal, and truly decentralized.

Explore what's possible at Larecoin and join the community discussions in the official forum.

Your business deserves better than 3% transaction fees and frozen accounts.

It's time to go Web3.