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

Small business owners are done with 3% credit card fees. Done with chargebacks. Done with waiting days for settlements.

Crypto POS systems changed the game. But which one actually delivers for small merchants?

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

The Crypto POS Revolution for Small Business

Traditional payment processors squeeze small businesses dry. Interchange fees. Processing fees. Monthly fees. Statement fees. The list never ends.

Crypto payments slash those costs. Often by 50% or more.

But not all crypto POS systems are equal. Some are built for enterprises. Others prioritize simplicity over features. A few deliver true financial sovereignty.

Your choice matters.

NOWPayments: The Technical Powerhouse

NOWPayments caters to merchants who want maximum control.

Key Features:

• 300+ cryptocurrencies supported

• Non-custodial by default

• 0.5-1% processing fees

• 24/7 live chat support

• Dedicated managers for high-volume clients

The non-custodial model means you control your funds. No middleman holding your crypto. That's powerful.

But there's a catch.

NOWPayments demands technical maturity. You're responsible for wallet management. Security falls on your shoulders. Governance becomes your problem.

For enterprise teams with dedicated crypto expertise? Solid choice.

For the average small business owner running a coffee shop or boutique? Overwhelming.

The fee structure requires active management. Network fees fluctuate. You need to stay on top of configurations. Most small merchants don't have time for that.

CoinPayments: The Simple Solution

CoinPayments takes the opposite approach. Simplicity first.

Key Features:

• 40+ cryptocurrencies supported

• Custodial model (they hold funds)

• 0.5-1% processing fees

• Quick setup with minimal technical requirements

• Ready-made integrations for WooCommerce, Shopify, Magento

Small business friendly? Absolutely.

Setup takes minutes. Connect to your existing e-commerce platform. Start accepting crypto immediately. No wallet management headaches.

The trade-off is control.

CoinPayments holds your funds. You're trusting a third party with your money. That defeats a core principle of crypto: self-custody.

Limited cryptocurrency options compared to competitors. 40 coins covers the basics but misses emerging tokens your customers might prefer.

No advanced features. No NFT receipts. No stablecoin flexibility. Basic functionality only.

Larecoin: Built Different for Small Business

Here's where things get interesting.

Larecoin combines the best of both worlds. Self-custody power. Small business simplicity. Plus features neither competitor offers.

What Sets Larecoin Apart:

Self-Custody Merchant Accounts

Your crypto. Your keys. Your control.

Unlike CoinPayments, Larecoin doesn't hold your funds. Unlike NOWPayments, you don't need a technical team to manage it.

The merchant portal handles complexity behind the scenes. You get sovereignty without the stress.

LUSD Stablecoin Benefits

Volatility kills small business margins. Accept Bitcoin today, lose 10% tomorrow? Not sustainable.

LUSD solves this. Larecoin's stablecoin pegs to USD value. Accept any crypto from customers. Convert instantly to LUSD. Lock in your profit.

No more watching charts nervously. Price stability built into your payment flow.

NFT Receipts for Accounting

This is a game-changer most merchants don't see coming.

Every transaction generates an NFT receipt. Immutable. On-chain. Permanent.

Tax season? Pull your NFT receipts. Every sale documented on the blockchain. Auditors love it. Accountants love it. You'll love the time saved.

Traditional receipts get lost. Paper fades. Databases crash. NFT receipts live forever.

Receivables Token System

Turn future payments into liquid assets.

Larecoin's receivables token lets you tokenize incoming payments. Need cash flow now? Your receivables become tradeable assets.

No other crypto POS offers this for small business. It's DeFi-level financial engineering accessible to any merchant.

Slash Merchant Interchange Fees

The real bottom line: fees.

Larecoin's structure reduces merchant interchange fees by 50%+ compared to traditional processors. Often more.

Gas-only transfers keep costs minimal. No percentage-based extraction eating your margins.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Cryptocurrencies	300+	40+	Multi-chain support
Custody Model	Non-custodial	Custodial	Self-custody
Setup Difficulty	High	Low	Low
Processing Fees	0.5-1%	0.5-1%	Gas-only
Stablecoin	Third-party	Third-party	Native LUSD
NFT Receipts	No	No	Yes
Receivables Token	No	No	Yes
Small Business Focus	Limited	Yes	Yes

The pattern is clear.

NOWPayments serves crypto-native enterprises. CoinPayments serves beginners willing to sacrifice control. Larecoin serves small businesses wanting the complete package.

Real-World Use Cases

The Coffee Shop Owner

Sarah runs a neighborhood café. She wants to accept crypto but has zero blockchain experience.

CoinPayments: Works but she loses custody of funds. NOWPayments: Too complex for her needs. Larecoin: Self-custody with simple setup. NFT receipts simplify her accounting. LUSD protects her from volatility.

Winner: Larecoin

The E-Commerce Entrepreneur

Marcus sells handmade goods globally. International customers. Multiple currencies. Complex tax requirements.

CoinPayments: Limited coin selection frustrates international buyers. NOWPayments: Handles variety but requires technical overhead. Larecoin: Web3 global payments reach customers everywhere. NFT receipts handle multi-jurisdiction accounting.

Winner: Larecoin

The Freelancer

Jenna takes payments for design work. Irregular income. Cash flow challenges.

CoinPayments: Basic payment acceptance only. NOWPayments: No financial flexibility tools. Larecoin: Receivables tokens let her access future payment value now.

Winner: Larecoin

Why Financial Sovereignty Matters

Here's what most comparisons miss.

Bank-free business operations aren't just about fees. They're about freedom.

Traditional payment processors can freeze your account. Question your business model. Delay your funds for "review."

Self-custody crypto payments eliminate that risk. Your money moves when you say. No permission needed.

For small business owners tired of financial gatekeepers, this is revolutionary.

Larecoin's architecture ensures you never lose access to your funds. No custody risks. No corporate policies overriding your business decisions.

Making the Switch

Ready to reduce merchant interchange fees and embrace Web3 payments?

Step 1: Visit the Larecoin merchant portal

Step 2: Set up your self-custody merchant account

Step 3: Integrate with your existing POS or e-commerce platform

Step 4: Start accepting crypto with NFT receipts automatically generated

The entire process takes less time than your morning coffee run.

The Verdict

NOWPayments works for technical teams. CoinPayments works for complete beginners.

Larecoin works for small business owners who want both simplicity AND power.

Self-custody without complexity. Stablecoin protection without third parties. NFT receipts without extra work. Receivables tokens without enterprise pricing.

The NOWPayments alternative and CoinPayments alternative small businesses actually need.

Your competitors are still paying 3% to credit card companies. You don't have to.

Welcome to the future of small business payments.

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Ready to slash your payment processing costs? Explore Larecoin's merchant solutions and start accepting crypto the smart way.