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

Small businesses are drowning in payment processing fees.

Traditional processors take 2.5-3.5% of every transaction. That's $15,000+ vanishing from a business processing $500,000 annually.

Crypto POS systems offer an escape route. But which one actually delivers?

Let's break down three major players: NOWPayments, CoinPayments, and Larecoin. No fluff. Just the facts you need to make a smart decision.

The Small Business Payment Problem

Here's the reality. Every swipe, tap, and online checkout costs you money. Interchange fees. Processing fees. Monthly fees. Statement fees.

It adds up fast.

Crypto payment solutions slash these costs dramatically. Some by 50%. Others by even more.

But not all crypto POS systems are created equal. The differences matter, especially for small business owners who can't afford to experiment with their revenue.

NOWPayments: The Crypto Diversity King

Best for: Businesses wanting maximum cryptocurrency options.

NOWPayments supports 300+ cryptocurrencies. That's massive. If your customers hold obscure altcoins, NOWPayments probably accepts them.

The Good:

• Non-custodial setup

• Under 1 minute setup time

• 0.5-1% processing fees

• Easy e-commerce integrations

• Solid for Web3 treasuries needing auditability

The Not-So-Good:

• Processing times average ~5 minutes

• No native stablecoin solution

• No NFT receipts for accounting

• Limited advanced merchant tools

NOWPayments works well for enterprises and crypto-native businesses. It's a reliable NOWPayments alternative to traditional processors.

But small businesses? The fee structure still eats into margins.

CoinPayments: The Established Player

Best for: Traditional retailers wanting brand recognition.

CoinPayments has been around the block. Established integrations. Familiar interface. Works for businesses comfortable with custodial solutions.

The Good:

• Multiple cryptocurrency support

• Established brand presence

• Works for traditional retail environments

The Not-So-Good:

• Custodial model limits merchant control

• Setup takes hours, not minutes

• Processing times vary (minutes to hours)

• 0.5-1% fees still apply

• No NFT receipts

• No native stablecoin

Here's the catch with CoinPayments. You don't hold your funds. They do.

For small businesses prioritizing financial sovereignty, that's a dealbreaker.

Larecoin: The Small Business Specialist

Best for: Small businesses prioritizing fee reduction and self-custody.

Larecoin takes a different approach. Instead of competing on cryptocurrency diversity, it focuses on what matters most to small businesses: keeping more of your money.

The Good:

• Gas fees only (~50%+ savings vs competitors)

• Full self-custody merchant accounts

• NFT receipts for accounting

• Native LUSD stablecoin benefits

• Near-instant transaction processing

• Advanced Web3 merchant tools

• Minutes to set up

The Tradeoff:

• Stablecoin-focused (limited crypto variety)

Let's do the math. A business processing $500,000 annually pays:

• Traditional processors: ~$15,000

• NOWPayments/CoinPayments: ~$5,000

• Larecoin: Under $2,000

That's $13,000 back in your pocket every year with Larecoin.

The Feature Showdown

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Gas only
Custody Model	Non-custodial	Custodial	Full self-custody
Cryptocurrencies	300+	Multiple	Stablecoin-focused
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	LUSD
Setup Time	Under 1 minute	Hours	Minutes
Transaction Speed	~5 minutes	Minutes to hours	Near-instant

The pattern is clear. NOWPayments and CoinPayments offer breadth. Larecoin offers depth.

Why Self-Custody Matters for Small Business

Traditional payment processors and custodial crypto solutions share a common flaw. Someone else controls your money.

Chargebacks. Account freezes. Compliance holds.

Self-custody merchant accounts eliminate these risks. Your revenue goes directly to your wallet. No intermediary. No waiting. No permission required.

Larecoin's self-custody model gives small businesses true financial sovereignty. Bank-free business operations become reality.

NFT Receipts: The Accounting Game-Changer

Here's something neither NOWPayments nor CoinPayments offer.

NFT receipts for accounting.

Every transaction generates a verifiable, on-chain receipt. Immutable. Timestamped. Audit-ready.

Tax season? Pull your NFT receipts. Done.

Dispute with a customer? Show the blockchain record. Settled.

This isn't a gimmick. It's practical accounting infrastructure for the Web3 era.

LUSD Stablecoin Benefits for Merchants

Crypto volatility scares merchants. Understandably.

Accept Bitcoin today. Watch it drop 10% tomorrow. Your $1,000 sale becomes $900.

LUSD solves this. It's a stablecoin designed for merchant transactions. Predictable value. No volatility stress.

The receivable token model lets businesses treat crypto revenue like traditional currency: without the traditional fees.

Global Reach Without Global Fees

Small businesses going international face brutal currency conversion costs. Wire transfer fees. Foreign exchange markups.

Web3 global payments eliminate borders.

A customer in Tokyo pays the same way a customer in Toronto does. No currency conversion fees. No international processing surcharges.

Larecoin's crypto payment infrastructure handles this seamlessly.

When to Choose Each Platform

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• Your customers are crypto-diverse

• You run a Web3 treasury

• Non-custodial matters, but fees are secondary

Choose CoinPayments if:

• Brand recognition matters more than features

• You're comfortable with custodial solutions

• You need established e-commerce integrations

• Traditional retail is your primary environment

Choose Larecoin if:

• Reducing merchant interchange fees is priority #1

• Self-custody and financial sovereignty matter

• You want NFT receipts for simplified accounting

• Near-instant settlement sounds better than 5-minute waits

• You're building a bank-free business operation

The Bottom Line

Small businesses have options. Finally.

NOWPayments offers cryptocurrency variety. CoinPayments offers familiarity. Larecoin offers maximum savings and cutting-edge merchant tools.

For small businesses focused on the bottom line? The math speaks clearly.

Processing $500,000 annually:

• Traditional: $15,000 in fees

• NOWPayments/CoinPayments: $5,000 in fees

• Larecoin: Under $2,000 in fees

That's not incremental improvement. That's transformation.

Ready to slash your payment processing costs by 50% or more? Explore what Larecoin can do for your business.

Join the Larecoin community to connect with other merchants making the switch.

The future of small business payments isn't coming.

It's here.