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

Small business owners are done with legacy payment processors.

The fees are brutal. The chargebacks are constant. The settlement times are absurd.

Enter crypto POS systems. They're faster. Cheaper. More secure.

But which one actually delivers for small businesses?

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

The Fee Problem Traditional Processors Created

Here's the reality. Traditional payment processors charge 2.5-3.5% on every transaction. For a small business processing $100,000 monthly, that's $2,500-$3,500 walking out the door.

Every. Single. Month.

Crypto POS systems change the game. Most charge 0.5-1%. That's a 50%+ reduction in merchant interchange fees overnight.

But not all crypto payment solutions are created equal.

NOWPayments: The Token Maximalist Option

NOWPayments built their reputation on one thing: variety.

What they offer:

• 300+ cryptocurrencies supported

• Non-custodial architecture

• API-first integration

• Subscription and donation tools

The Good: NOWPayments lets your customers pay in almost any crypto imaginable. Bitcoin, Ethereum, obscure altcoins, they've got it. Funds transfer directly to your wallet. No intermediary holds your crypto.

The Not-So-Good: Setup complexity is real. You need technical resources for API integration. No native stablecoin. No NFT receipts for accounting. And if your customers want to pay in fiat afterward? You're on your own.

NOWPayments works best for crypto-native businesses where customers already hold diverse portfolios and expect maximum flexibility.

CoinPayments: The Legacy Crypto Gateway

CoinPayments has been around. They've processed billions in transactions.

What they offer:

• Multi-cryptocurrency support

• Shopping cart plugins

• Fiat-to-bank payouts

• Established track record

The Good: Quick onboarding. Straightforward setup for traditional retailers. They've got plugins for most major e-commerce platforms. If you want managed simplicity, they deliver.

The Not-So-Good: Here's the catch: CoinPayments uses a custodial model.

They generate wallets. They hold your funds. You don't control your private keys.

For small business owners prioritizing financial sovereignty? That's a dealbreaker.

No self-custody. No NFT receipts. No native stablecoin ecosystem.

Larecoin: The Complete Web3 Payment Solution

Larecoin took a different approach. Instead of retrofitting crypto onto traditional payment rails, they built something new from the ground up.

What they offer:

• Self-custody through Smart Wallet

• NFT receipts for accounting

• LUSD stablecoin benefits

• QR-based contactless POS

• Push-to-card fiat conversion

• No hardware required

The Self-Custody Advantage:

Your revenue. Your wallet. Your keys.

Larecoin's self-custody merchant accounts mean you maintain complete control over every dollar (or crypto equivalent) that hits your business. No custodian sitting between you and your money.

NFT Receipts for Accounting:

This is where it gets interesting.

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

For tax documentation? Game changer. For dispute resolution? Bulletproof. For clean accounting? Essential.

No more paper trails. No more reconciliation nightmares.

LUSD Stablecoin Benefits:

Volatility kills merchant adoption. That's why Larecoin built LUSD directly into the ecosystem.

Accept any crypto. Settle in stables. Convert to fiat when you need it.

The receivables token structure means your business operates on stable ground regardless of market conditions.

Head-to-Head Feature Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Self-Custody	✅	❌	✅
NFT Receipts	❌	❌	✅
Native Stablecoin	❌	❌	✅ (LUSD)
Setup Complexity	High	Low	Low
Hardware Required	No	Optional	No
Fiat Conversion	Limited	Yes	Yes (Push-to-Card)
Crypto Variety	300+	Moderate	Optimized Selection
Fee Reduction	~50% vs traditional	~50% vs traditional	50%+ vs traditional

The pattern is clear.

NOWPayments wins on crypto variety. CoinPayments wins on managed simplicity. Larecoin wins on everything else that actually matters for running a business.

When to Choose Each Platform

Choose NOWPayments If:

• Your customer base demands 150+ cryptocurrency options

• Token flexibility matters more than fee optimization

• You have technical resources for API integration

• You're running a crypto-native operation where altcoin diversity drives sales

Choose CoinPayments If:

• You're a traditional retailer wanting the fastest possible setup

• Custodial solutions don't concern you

• You need shopping cart plugins for existing e-commerce

• Quick onboarding trumps long-term optimization

Choose Larecoin If:

• Self-custody and bank-free business operations are non-negotiable

• Clean accounting with NFT receipts for accounting matters

• You want maximum fee reduction without complexity

• Instant fiat conversion capabilities are essential

• You're building a long-term Web3 global payments infrastructure

• Financial sovereignty is a core business value

The Real Cost Comparison

Let's talk numbers.

A small business processing $100,000 monthly:

Traditional Processor (3% fees): $3,000/month = $36,000/year NOWPayments (0.5%): $500/month = $6,000/year CoinPayments (1%): $1,000/month = $12,000/year Larecoin (~0.5% + optimizations): Approximately $500/month = $6,000/year

That's $30,000 saved annually just by switching from legacy processors.

But here's what the math doesn't capture: the value of self-custody, the accounting efficiency of NFT receipts, the stability of LUSD settlement.

Those benefits compound.

Why Small Businesses Are Moving to Larecoin

The NOWPayments alternative conversation usually centers on simplicity. Small business owners don't have dedicated crypto teams. They need plug-and-play solutions.

The CoinPayments alternative discussion focuses on custody. Why hand your revenue to a third party when you don't have to?

Larecoin answers both questions.

Simple QR-based checkout. No hardware purchases. No complex integrations. Generate a QR code. Accept payment. Done.

True self-custody. Your Smart Wallet. Your keys. Your revenue under your control.

Complete ecosystem. From LUSD stablecoin benefits to push-to-card fiat conversion, everything a small business needs lives under one roof.

The Bottom Line

Choosing a crypto POS system for small business isn't just about fees.

It's about control. Efficiency. Future-proofing.

NOWPayments serves the crypto maximalists. CoinPayments serves the convenience seekers.

Larecoin serves business owners who want it all: lower fees, self-custody protection, bulletproof accounting, and a complete Web3 payments infrastructure.

For most small businesses, that's not a difficult choice.

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Ready to reduce merchant interchange fees and take control of your revenue?

Explore Larecoin and see why small businesses are making the switch to self-custody crypto payments.