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

Small business owners are fed up.

Credit card fees eating into margins. Banks holding funds hostage. Chargebacks destroying cash flow.

The crypto POS revolution is here. But which platform actually delivers?

Let's break down three leading contenders: NOWPayments, CoinPayments, and Larecoin. By the end, you'll know exactly which crypto POS system fits your business.

The Traditional Payment Problem

Traditional payment processors charge 2.5-3.5% per transaction. That's brutal.

For a business processing $500,000 annually? You're hemorrhaging $12,500-$17,500 in fees alone.

Then there's the waiting. Settlement times stretching 2-3 business days. Weekend sales sitting in limbo until Monday.

Crypto payment systems slash these costs dramatically. But not all platforms are created equal.

Meet the Contenders

NOWPayments

The crypto maximalist's choice. Over 150 cryptocurrencies supported. Non-custodial model means funds go directly to your wallet.

But complexity comes with that flexibility. API integration can be technical. Setup requires resources most small businesses don't have.

CoinPayments

The plug-and-play option. Quick setup. Managed solutions for traditional retailers who want simplicity.

The catch? It's custodial. They hold your funds. They control your private keys. You're trusting a third party with your money.

Larecoin

The Web3 native solution. Full self-custody through Smart Wallet technology. NFT receipts for bulletproof accounting. LUSD stablecoin integration.

Zero technical expertise required. QR-based transactions. No hardware necessary.

Fee Comparison: Where Your Money Actually Goes

Here's where it gets interesting.

NOWPayments and CoinPayments both charge 0.5-1% processing fees. Massive improvement over traditional processors.

Larecoin takes a different approach. The platform claims approximately 50% savings compared to legacy systems.

Real numbers for a $500,000 annual business:

Platform	Annual Processing Cost
Traditional (3%)	$15,000
NOWPayments (1%)	$5,000
CoinPayments (1%)	$5,000
Larecoin	Under $2,000

That's not a typo. The fee structure difference is substantial.

For small businesses operating on thin margins, these savings compound. Month after month. Year after year.

The Custody Question: Who Actually Controls Your Money?

This is the sleeper issue most merchants ignore. Until it matters.

CoinPayments: Custodial Model

They hold your funds. They control private keys. If their platform has issues, your money is stuck.

Not your keys, not your coins. Classic Web2 thinking wrapped in crypto clothing.

NOWPayments: Non-Custodial

Funds transfer directly to your merchant wallet. Better. But integration complexity can be a barrier for non-technical users.

Larecoin: Full Self-Custody

Your Smart Wallet. Your keys. Your funds. Period.

No intermediary touching your revenue. True financial sovereignty for merchants.

This matters more than most realize. Self-custody merchant accounts mean you're not dependent on any platform's solvency or policy changes.

Feature-by-Feature Breakdown

Feature	NOWPayments	CoinPayments	Larecoin
Cryptocurrencies	150+	Varies	Optimized selection
NFT Receipts	❌	❌	✅
Native Stablecoin	Third-party	Third-party	LUSD
Setup Complexity	High	Low	Low
Self-Custody	✅	❌	✅
POS Hardware Required	No	Optional	No (QR-based)
Technical Skills Needed	Yes	Minimal	None

The NFT receipts feature deserves special attention.

Every transaction generates a verifiable, immutable receipt on-chain. Tax season? Audits? Accounting reconciliation?

Everything lives on the blockchain. Transparent. Permanent. Searchable.

Best Use Cases: Matching Platform to Business

Choose NOWPayments If:

• You need access to 150+ cryptocurrencies

• Your customer base pays in diverse altcoins

• You have technical resources for API integration

• Token flexibility trumps everything else

Best for: Crypto-native businesses, online retailers with global altcoin-paying customers, companies with dedicated dev teams.

Choose CoinPayments If:

• You're a traditional retailer wanting managed simplicity

• You prefer custodial solutions and trust the platform

• Quick setup is your top priority

• You don't mind someone else holding your funds

Best for: Retail stores testing crypto payments, businesses prioritizing convenience over control.

Choose Larecoin If:

• Self-custody is non-negotiable

• Maximizing transaction margins is critical

• Clean accounting with NFT receipts appeals to you

• You want minimal setup time without technical resources

• Bank-free business operations matter

Best for: Small businesses focused on sovereignty, merchants reducing interchange fees, anyone wanting Web3 benefits without Web3 complexity.

The LUSD Stablecoin Advantage

Volatility kills merchant adoption.

Accept Bitcoin today. Wake up tomorrow to a 10% drop. That's not sustainable for businesses with rent to pay.

Third-party stablecoin integrations create friction. Extra steps. Extra fees. Extra complexity.

Larecoin's native LUSD stablecoin solves this elegantly. Instant conversion. No volatility exposure. Seamless integration within the ecosystem.

Your customers pay in their preferred crypto. You receive stable value. Everyone wins.

Global Reach Without Global Headaches

Cross-border payments traditionally mean:

• International wire fees

• Currency conversion costs

• 3-5 day settlement times

• Compliance nightmares

Web3 global payments eliminate these barriers.

A customer in Tokyo pays you in crypto. Funds hit your wallet in minutes. No intermediary banks taking cuts along the way.

Larecoin's architecture makes this particularly smooth. The QR-based system works anywhere smartphones exist. No special hardware. No country-specific integrations.

The Accounting Angle: NFT Receipts for Clean Books

Here's something most crypto payment platforms ignore entirely: accounting compliance.

Traditional crypto payments create reconciliation headaches. Which transaction was that? When did it settle? What was the USD value at that moment?

NFT receipts for accounting change everything.

Each transaction mints a permanent, verifiable receipt. Timestamp. Amount. Conversion rate. All immutable on-chain.

Your accountant will thank you. Your auditor will love you. Tax season becomes significantly less painful.

This isn't a gimmick. It's infrastructure for legitimate business operations in a crypto-native world.

Making the Decision

The right choice depends on your priorities:

Maximum token flexibility? NOWPayments wins.

Managed simplicity with custodial trade-offs? CoinPayments works.

Self-custody + lowest fees + operational simplicity? Larecoin is purpose-built for this.

For most small businesses, the combination of full self-custody, NFT receipts, LUSD stability, and dramatically reduced fees makes Larecoin the strongest NOWPayments alternative and CoinPayments alternative available.

Ready to Cut Your Payment Processing Costs?

The math is simple. Traditional processors take 2.5-3.5%. Crypto solutions take a fraction of that.

But not all crypto POS systems deliver equal value.

Self-custody matters. Fee structures matter. Operational simplicity matters.

Explore how Larecoin can transform your payment infrastructure at larecoin.com. Join the Larecoin Community to connect with merchants already making the switch.

The future of small business payments is here. The question is whether you'll lead or follow.