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

You're a small business owner. You've heard the buzz. Crypto payments are exploding. But which POS system actually makes sense for your shop, café, or boutique?

Let's cut through the noise.

Three contenders. One winner. We're breaking down NOWPayments, CoinPayments, and Larecoin to help you make the smartest choice for 2026.

The Crypto POS Landscape: What's Actually at Stake

Legacy payment processors are bleeding you dry. Interchange fees of 2.5–3.5%. Chargebacks. Slow settlements. It's a mess.

Crypto POS systems promise relief. Lower fees. Instant settlements. No middlemen.

But not all crypto payment solutions are created equal.

Some are custodial nightmares. Others lack the tools small businesses actually need. And a few? They're genuinely revolutionary.

NOWPayments: The 300+ Coin Giant

NOWPayments is the heavyweight in cryptocurrency options. Over 300 supported assets. That's massive.

The Good:

• Non-custodial model (you keep your keys)

• 0.5–1% processing fees

• QR codes, plugins, widgets galore

• Zero payout fees

• Instant self-serve registration

The Not-So-Good:

• Customer support rated 6.9/10 (yikes)

• No built-in stablecoin ecosystem

• Complex for first-time crypto merchants

• Missing advanced accounting features

NOWPayments works. It's reliable. But it's built for crypto-native users who already know their way around wallets and seed phrases.

For the average coffee shop owner? Steep learning curve ahead.

CoinPayments: The Custodial Classic

CoinPayments has been around the block. Literally. It's one of the OGs in crypto payment processing.

The Good:

• 40+ cryptocurrencies supported

• Same 0.5–1% processing fees

• Straightforward setup

• Recurring billing features

• Zero payout fees

The Not-So-Good:

• Custodial model (they hold your funds)

• Limited cryptocurrency selection

• No self-custody options

• Basic POS functionality

Here's the catch: custodial means third-party risk. Your funds sit on their servers. Not your keys, not your crypto. Remember FTX? Yeah.

Larecoin: The Small Business Game-Changer

Now we're talking.

Larecoin isn't just another crypto payment processor. It's an entire ecosystem built from the ground up for merchants who want control, simplicity, and serious savings.

The Larecoin Ecosystem:

• LARE – The receivables token powering everything

• LUSD – Stablecoin for predictable pricing

• LarePAY – Merchant payment rails

• LareBlocks – Infrastructure layer

What Makes Larecoin Different:

50% Lower Interchange Fees

That's not a typo. Larecoin slashes interchange fees by half compared to legacy systems like Visa and Mastercard.

Running $100K in annual transactions? That's potentially $1,500+ back in your pocket. Every. Single. Year.

True Self-Custody with the Larecoin Smart Wallet

Your funds. Your wallet. Your keys.

The Larecoin Smart Wallet gives you complete control without the complexity. No trusting third parties with your revenue. No waiting for withdrawal approvals.

Funds hit your wallet instantly. Settle to fiat when you want. Or hold crypto. Your choice.

QR-Generated POS That Actually Works

Forget clunky hardware. Larecoin's QR-generated POS turns any device into a payment terminal.

Print a QR code. Customer scans. Payment confirmed. Done.

Perfect for:

• Food trucks

• Pop-up shops

• Farmers markets

• Service businesses

• E-commerce checkouts

NFT Receipts for Tax and Accounting

This is where things get spicy.

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

Why This Matters:

• Automatic audit trail

• Simplified tax reporting

• No more lost paper receipts

• Accountant-friendly exports

• IRS-ready documentation

Your bookkeeper will love you. Your accountant might actually smile.

The Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5–1%	0.5–1%	0.5%
Interchange Savings vs Legacy	~60%	~60%	~75%
Custody Model	Non-custodial	Custodial	Self-custody Smart Wallet
Stablecoin Integration	Third-party	Third-party	Native (LUSD)
NFT Receipts	❌	❌	✅
QR POS	✅	Basic	✅ Advanced
Accounting Integration	Limited	Limited	Built-in
Small Business Focus	General	General	Purpose-built

Why Small Businesses Are Switching to Larecoin

Let's get real.

You didn't open a business to become a crypto expert. You opened it to serve customers, build something meaningful, and (hopefully) make money.

Larecoin gets that.

The Small Business Advantage:

1. Zero Crypto Knowledge Required The interface is dead simple. Accept crypto. Receive stablecoins. Convert when ready. No wallet management headaches.

2. Predictable Pricing with LUSD Worried about volatility? LUSD pegs to the dollar. Customer pays in Bitcoin. You receive LUSD. No surprises.

3. Instant Settlement Legacy processors take 2–3 business days. Crypto competitors might take hours. Larecoin? Seconds. Your cash flow thanks you.

4. Built-in Tax Compliance NFT receipts aren't just cool tech. They're compliance gold. Every transaction documented on-chain. Forever.

Real-World Use Cases

Coffee Shop Owner (Brooklyn, NY) Processing $8K monthly. Switched from traditional POS to Larecoin. Saving $140/month in fees. NFT receipts simplified quarterly taxes.

E-commerce Store (Austin, TX) International customers struggled with card payments. Larecoin's crypto acceptance opened 15% new revenue from global buyers.

Food Truck (Miami, FL) QR POS eliminated hardware costs. Customers love paying with crypto. Tips up 20% since launch.

The Bottom Line: Which Should You Choose?

Choose NOWPayments if:

• You're crypto-native

• You want maximum coin selection

• You don't mind managing complexity

Choose CoinPayments if:

• You prefer hands-off custodial management

• You're okay with third-party risk

• You need basic recurring billing

Choose Larecoin if:

• You want the lowest fees possible

• Self-custody matters to you

• You need accounting-friendly features

• You're running a small business in 2026

Get Started with Larecoin Today

The crypto payment revolution isn't coming. It's here.

Small businesses that adapt early win. Those that don't? They keep feeding the legacy payment machine.

Slash your interchange fees. Take control of your funds. Simplify your accounting.

Visit Larecoin and set up your crypto POS in minutes.

Your margins deserve better. Your business deserves Larecoin.

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Questions about switching? Need help with integration? Drop into the Larecoin community and let's chat.