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

Small business owners are ditching traditional payment processors. The reason? Insane fees. Chargebacks. Frozen accounts.

Crypto POS systems solve all of that. But which one actually works for your business?

Three names keep coming up: NOWPayments, CoinPayments, and Larecoin.

Let's break them down. No fluff. Just facts.

The Quick Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Transaction Fee	0.5-1%	0.5%	1.5% (charity included)
Custody Model	Non-custodial	Custodial	Self-custody
Supported Coins	300+	40+	LARE, LUSD + major coins
NFT Receipts	No	No	Yes
Stablecoin Option	Third-party	Third-party	Native LUSD
Small Business Focus	Medium	High	Very High

Now let's dig deeper.

NOWPayments: The Feature-Heavy Option

NOWPayments markets itself as the go-to for businesses wanting crypto payment flexibility.

The Good:

• Non-custodial by default. You control your keys.

• 300+ cryptocurrencies supported.

• White-label customization available.

• Integrates with Shopify, WooCommerce, Magento.

The Not-So-Good:

• Overwhelming for small businesses. Too many options.

• White-label features? Overkill for a local coffee shop.

• No native stablecoin solution.

• Network fees can surprise you at checkout.

NOWPayments works. But it's built for enterprises with dedicated dev teams. Small business owners don't need 300 coins. They need simplicity.

CoinPayments: The Simpler Alternative

CoinPayments takes a different approach. Ease of use first.

The Good:

• Quick setup. Minutes, not hours.

• Custodial model means less technical hassle.

• 40+ supported cryptocurrencies.

• Solid e-commerce integrations.

• Payer covers gas fees.

The Not-So-Good:

• Custodial = they hold your funds.

• Limited coin selection compared to competitors.

• No self-custody merchant accounts.

• Zero innovation on the receipt/accounting side.

CoinPayments is the "set and forget" option. But here's the catch: custodial means trust. You're trusting them with your money. For some, that's a dealbreaker.

Larecoin: Built Different for Small Business

Here's where things get interesting.

Larecoin isn't just another crypto payment gateway. It's a complete Web3 global payments ecosystem designed specifically for merchants who want control, simplicity, and lower costs.

What Makes Larecoin Stand Out:

Self-Custody Merchant Accounts

Your funds. Your wallet. Period.

No middleman holding your crypto. No frozen accounts. No "we're reviewing your transaction" emails at 2 AM.

Larecoin's self-custody approach means you receive payments directly. Instant access. Full control.

LUSD Stablecoin Benefits

Volatile crypto prices scare merchants. Understandable.

Larecoin's native LUSD stablecoin solves this. Pegged value. Gas-only transfers. No conversion headaches.

Accept payment in LARE or LUSD. Your choice. Customer pays in crypto. You receive stable value.

This is how you reduce merchant interchange fees without the risk.

NFT Receipts for Accounting

This is the game-changer nobody's talking about.

Every Larecoin transaction generates an NFT receipt. Immutable. Timestamped. Blockchain-verified.

What does this mean for your business?

• Audit-proof records. Every transaction lives on-chain forever.

• No lost receipts. Ever.

• Simplified accounting. Export directly to your bookkeeper.

• Tax compliance made easy. Clear, verifiable transaction history.

NOWPayments doesn't offer this. CoinPayments doesn't either. Only Larecoin.

The 1.5% Fee (With a Twist)

Yes, Larecoin's 1.5% fee is higher than competitors on paper.

But here's what that fee includes:

• A portion goes directly to global charity initiatives.

• No hidden network fees.

• No payout fees.

• No monthly minimums.

Compare that to traditional credit card processing: 2.5-3.5% plus chargebacks plus monthly fees plus equipment rentals.

You're still saving 50%+ on interchange fees. And doing good while you're at it.

Head-to-Head: What Actually Matters

Let's compare on the factors that move the needle for small businesses.

Setup Time

• CoinPayments: Fast. Custodial makes it simple.

• NOWPayments: Medium. Non-custodial requires wallet setup.

• Larecoin: Fast. Self-custody with guided onboarding.

Winner: Tie between CoinPayments and Larecoin.

Fund Control

• CoinPayments: They hold your money. Risk.

• NOWPayments: You control keys. Better.

• Larecoin: Full self-custody. Best.

Winner: Larecoin.

Stablecoin Integration

• CoinPayments: Third-party stablecoins only.

• NOWPayments: Third-party stablecoins only.

• Larecoin: Native LUSD with gas-only transfers.

Winner: Larecoin.

Accounting & Compliance

• CoinPayments: Basic transaction history.

• NOWPayments: Basic transaction history.

• Larecoin: NFT receipts for accounting. Blockchain-verified.

Winner: Larecoin. By a mile.

Real Cost Savings

• CoinPayments: 0.5% fee looks good. But custodial risk costs you peace of mind.

• NOWPayments: 0.5-1% fee. Network fees can add up.

• Larecoin: 1.5% all-in. Reduce merchant interchange fees by 50%+ vs traditional processors.

Winner: All three beat traditional payments. Larecoin offers the most transparency.

Why Small Businesses Are Switching to Larecoin

The crypto POS system market is crowded. So why choose Larecoin?

Three words: Financial sovereignty works.

Traditional banks freeze accounts. Payment processors hold funds. Chargebacks drain profits.

Larecoin eliminates all of that.

• Accept payments globally. No borders.

• Receive funds instantly. No holds.

• Maintain complete control. No middlemen.

• Prove every transaction. NFT receipts.

• Protect against volatility. LUSD stablecoin.

This is what bank-free business operations look like in 2026.

The Verdict

NOWPayments works if you're an enterprise with complex needs and a dev team to manage integrations.

CoinPayments works if you want quick setup and don't mind someone else holding your funds.

Larecoin works if you want:

• True self-custody merchant accounts

• NFT receipts for accounting that actually simplify your books

• LUSD stablecoin benefits that eliminate volatility risk

• A crypto POS system for small business that respects your independence

• To reduce merchant interchange fees without the traditional banking headaches

For small businesses serious about Web3 global payments, Larecoin is the NOWPayments alternative and CoinPayments alternative that delivers on the promise of financial freedom.

Ready to Make the Switch?

Stop paying 3% to credit card companies. Stop worrying about frozen accounts. Stop losing sleep over chargebacks.

Get started with Larecoin and take control of your payments.

Your business. Your money. Your rules.