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

Small business owners are done with traditional payment processors. The fees are crushing. The chargebacks are relentless. And the banks? They hold your money hostage for days.

Enter crypto POS systems.

Three major players are battling for your attention: NOWPayments, CoinPayments, and Larecoin. Each promises lower fees. Each claims better integration. But which one actually delivers for small businesses in 2026?

Let's break it down.

The Crypto Payment Revolution for Merchants

Traditional interchange fees eat 2-4% of every transaction. That's thousands of dollars per year, vanishing into the pockets of card networks and banks.

Crypto POS systems flip this model.

Processing fees drop to 0.5-1%. No chargebacks. No frozen accounts. No waiting 3-5 business days for settlement.

But not all crypto payment solutions are created equal. The differences matter, especially when you're running a lean operation.

NOWPayments: The Customization King

Best for: Businesses wanting granular control and scalability.

NOWPayments supports 300+ cryptocurrencies. That's impressive. They've built a reputation on flexibility and developer-friendly APIs.

Key Features:

• Non-custodial by default (you control your keys)

• White-label checkout options

• Customizable fee structures

• Mass payouts for affiliate programs

The Trade-offs:

Setup isn't exactly plug-and-play. Smaller merchants often don't need enterprise-grade customization. And while non-custodial sounds great, it requires more technical know-how.

Processing fees hover around 0.5-1%. Reasonable. But not revolutionary.

NOWPayments works. It's reliable. But it's built for businesses planning to scale, not necessarily the corner coffee shop or boutique retailer.

CoinPayments: The Simple Solution

Best for: Small merchants wanting quick, easy crypto acceptance.

CoinPayments has been around since 2013. They've processed billions in transactions. The platform supports 40+ cryptocurrencies with dead-simple integrations.

Key Features:

• Quick setup with WooCommerce, Shopify, Magento

• Custodial model (they manage your wallet)

• ~0.5% processing fees

• 0% service fees for payouts

The Trade-offs:

Custodial means you're trusting a third party with your funds. Sound familiar? That's exactly what traditional banks do.

Fewer cryptocurrency options than NOWPayments. Limited customization. And if CoinPayments goes down, or worse, gets hacked, your funds are at risk.

For basic crypto acceptance, CoinPayments works fine. But "fine" isn't revolutionary.

Larecoin: The Web3 Native Solution

Best for: Small businesses wanting true financial sovereignty, lower fees, and next-generation features.

Larecoin isn't just another payment processor. It's a complete Web3 ecosystem designed specifically for merchants who want to break free from legacy financial systems.

Key Features:

• Self-custody merchant accounts (your keys, your crypto)

• NFT receipts for accounting and compliance

• LUSD stablecoin for volatility protection

• Receivables tokens for invoice financing

• Gas-only transfers (minimal transaction costs)

• Push-to-card functionality

Let's unpack why these matter.

Self-Custody: Your Money, Your Control

NOWPayments offers non-custodial options. CoinPayments doesn't. Larecoin goes further.

Self-custody merchant accounts mean no third party ever touches your funds. Payments go directly to your wallet. No withdrawal delays. No frozen accounts. No permission needed.

This is financial sovereignty. Bank-free business operations aren't a dream, they're happening right now.

NFT Receipts: Accounting Gets an Upgrade

Here's something neither NOWPayments nor CoinPayments offers: NFT receipts.

Every transaction generates a blockchain-verified receipt. Immutable. Timestamped. Auditable.

For accounting? This is massive. Tax season becomes simpler. Disputes become easier to resolve. Compliance becomes automatic.

NFT receipts for accounting aren't a gimmick. They're the future of transparent business operations.

LUSD Stablecoin: Eliminate Volatility Risk

Bitcoin's volatility terrifies small business owners. Understandable.

LUSD solves this. Accept crypto payments, instantly convert to a dollar-pegged stablecoin. Your revenue stays predictable while your customers enjoy crypto payment freedom.

LUSD stablecoin benefits extend beyond stability. Cross-border transactions become instant. No currency conversion fees. No international wire delays.

Receivables Tokens: Unlock Your Cash Flow

This is where Larecoin truly innovates.

Receivables tokens transform unpaid invoices into tradeable assets. Need cash before that Net-30 invoice clears? Tokenize it. Access liquidity without predatory factoring fees.

Small businesses struggle with cash flow. Receivables tokens change the game entirely.

The Comparison: NOWPayments Vs CoinPayments Vs Larecoin

Feature	NOWPayments	CoinPayments	Larecoin
Custody Model	Non-custodial	Custodial	Self-custody
Processing Fees	0.5-1%	0.5-1%	Lower (gas-only transfers)
Crypto Support	300+	40+	Multi-chain Web3
NFT Receipts	No	No	Yes
Stablecoin Integration	Limited	Limited	LUSD native
Receivables Tokens	No	No	Yes
Setup Complexity	Moderate	Simple	Simple
Best For	Scaling businesses	Basic acceptance	Financial sovereignty

The pattern is clear. NOWPayments and CoinPayments offer crypto payment processing. Larecoin offers a complete financial ecosystem.

Slashing Merchant Fees by 50%+

Traditional payment processors charge 2.5-3.5% per transaction. Add chargebacks. Add monthly fees. Add PCI compliance costs.

Larecoin's gas-only transfer model dramatically reduces these costs. We're talking 50%+ savings on payment processing.

For a business doing $500,000 in annual transactions, that's $7,500-12,500 back in your pocket. Every year.

The math speaks for itself.

Global Reach Without Global Banking

Selling internationally? Traditional payment processors make this painful.

Currency conversion fees. International wire charges. Multi-day settlement times. Account restrictions based on geography.

Web3 global payments eliminate these barriers. Accept payments from anywhere. Settle instantly. No intermediaries extracting fees at every step.

A customer in Singapore pays in crypto. You receive LUSD in seconds. That's the Larecoin difference.

The Verdict: Which Crypto POS System Wins?

Choose NOWPayments if: You're a developer-heavy team planning significant scaling and need maximum customization. You're comfortable managing technical complexity.

Choose CoinPayments if: You want the simplest possible crypto acceptance for an existing e-commerce store. You're okay with custodial risk.

Choose Larecoin if: You want true financial sovereignty, the lowest possible fees, and next-generation features like NFT receipts, LUSD stablecoin, and receivables tokens.

For small businesses serious about reducing merchant interchange fees and building bank-free operations, Larecoin delivers what the competition can't match.

Ready to Make the Switch?

Stop bleeding fees to traditional payment processors. Stop trusting third parties with your revenue. Stop waiting days for your own money.

Larecoin is the NOWPayments alternative and CoinPayments alternative that actually advances your business into Web3.

Explore Larecoin and discover what crypto payments should look like in 2026.

Your financial sovereignty starts now.