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

Choosing a crypto payment gateway in 2026? Overwhelming.

Three names keep popping up: NOWPayments, CoinPayments, and Larecoin. Each promises seamless transactions. Each claims to be merchant-friendly. But which one actually delivers for your small business?

Let's break it down. No fluff. Just facts.

The Quick Rundown

Before we dive deep, here's what you're working with:

• NOWPayments: 300+ cryptos, non-custodial, ~5 minute processing

• CoinPayments: 40+ cryptos, established player, variable speeds

• Larecoin: Full ecosystem (LUSD, LarePAY, LareBlocks), self-custody Smart Wallet, NFT receipts, 50% lower fees than legacy systems

Already seeing some differences? Good. Let's unpack them.

NOWPayments: The Crypto Variety King

NOWPayments has volume. Serious volume.

What They Offer:

• 300+ cryptocurrencies supported

• 30+ stablecoins available

• Non-custodial architecture (you control your funds)

• ~5 minute transaction processing

• TON network clears in under 1 minute

• 0.5-1% processing fees

• White-label solutions available

The platform shines for businesses wanting maximum crypto flexibility. Want to accept Dogecoin, Solana, and some obscure altcoin your customers love? NOWPayments has you covered.

The Catch:

Variety doesn't equal simplicity. Managing 300+ crypto options creates complexity. Which ones do you actually accept? How do you handle volatility across dozens of assets? What about accounting for all those different tokens?

For small businesses without dedicated crypto expertise, this breadth can become a burden.

CoinPayments: The Established Veteran

CoinPayments has been around. Merchants know the name.

What They Offer:

• 40+ cryptocurrencies

• 21 stablecoins

• API invoicing

• Recurring subscription support

• White-label checkout

Fewer options than NOWPayments, but still substantial. The platform targets merchants who want crypto acceptance without diving into the deep end.

The Catch:

Processing speed varies wildly: from minutes to hours depending on network congestion. That's a problem when customers are standing at your counter.

Also: no customizable network fee options. You're stuck with whatever gas fees the network demands. During congestion peaks, those fees eat into your margins.

Larecoin: The Ecosystem Play

Here's where things get interesting.

Larecoin isn't just a payment gateway. It's an entire merchant ecosystem built for small business reality.

The Full Stack:

• LUSD Stablecoin: Pegged stability for predictable revenue

• LarePAY: QR-generated POS that works anywhere

• LareBlocks: Infrastructure layer for seamless transactions

• Smart Wallet: True self-custody with merchant-grade features

• NFT Receipts: Digital transaction records for tax and accounting

Let's break down why this matters.

Slash Interchange Fees by 50%

Traditional payment processors charge 2-3% per transaction. Credit card interchange fees drain small business margins daily.

Larecoin's infrastructure cuts those costs in half.

How? Direct peer-to-peer settlement. No middleman banks taking their cut. No interchange fee layers stacking up. LUSD stablecoin eliminates volatility risk while maintaining crypto efficiency.

For a business processing $50,000 monthly, that's potentially $500-750 saved. Every month. Straight to your bottom line.

Self-Custody That Actually Works

NOWPayments offers non-custodial options. Good start.

But Larecoin's Smart Wallet takes self-custody further. Your keys. Your coins. Your control. With merchant-specific features baked in:

• Instant settlement visibility

• Multi-currency management

• Direct fiat off-ramp options

• Push-to-card functionality

No waiting for platform withdrawals. No wondering if your funds are safe. No third-party custody risk.

NFT Receipts: Tax Season Gets Easier

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

Every transaction generates an immutable, blockchain-verified receipt. Stored permanently. Accessible anytime. Accepted by accountants who understand where commerce is heading.

Why This Matters for Small Business:

• No lost paper receipts

• No spreadsheet reconciliation nightmares

• Instant audit trails

• Proof of transaction that can't be altered

Come tax season, pull up your NFT receipt wallet. Everything's there. Timestamped. Verified. Done.

QR-Generated POS: Deploy in Seconds

Setting up traditional POS hardware takes time. Configuration. Testing. Training.

LarePAY generates QR codes on demand. Customer scans. Payment processes. Transaction complete.

No expensive hardware. No installation delays. No maintenance headaches.

Perfect for:

• Pop-up shops

• Market vendors

• Service businesses

• Mobile operations

• Any merchant wanting fast deployment

The Fee Comparison

Let's talk numbers.

Platform	Processing Fee	Network Fee Flexibility	Hidden Costs
NOWPayments	0.5-1%	Customizable	Minimal
CoinPayments	0.5-1%	Fixed	Variable
Larecoin	Competitive	Optimized via LUSD	50% lower than legacy

The real comparison isn't between crypto gateways. It's between crypto payments and traditional card processing.

Legacy systems: 2-3% plus interchange plus assessment fees plus monthly minimums.

Larecoin ecosystem: Half that. Or less.

Which Platform Fits Your Business?

Choose NOWPayments if:

• You need maximum cryptocurrency variety

• Your customers pay in obscure altcoins

• You have crypto management expertise in-house

• Speed matters less than options

Choose CoinPayments if:

• You want an established name

• 40+ crypto options are sufficient

• You're comfortable with variable processing times

• Simplicity over features

Choose Larecoin if:

• You want a complete merchant ecosystem

• Cutting interchange fees by 50% matters

• Self-custody and fund security are priorities

• NFT receipts for accounting appeal to you

• Fast QR-based POS deployment fits your model

• LUSD stablecoin stability reduces volatility anxiety

The Bottom Line for Small Business Owners

Here's the reality check.

NOWPayments and CoinPayments are payment processors. They move crypto from customer to merchant. They do that job.

Larecoin is building something different. An ecosystem where payments, custody, receipts, and merchant tools connect seamlessly. Where small businesses save 50% on processing versus legacy card systems. Where every transaction creates an immutable accounting record.

The crypto payment space has matured. It's not enough to just "accept Bitcoin" anymore.

Smart merchants want:

• Lower fees than traditional processors

• Security without third-party risk

• Accounting tools built for digital assets

• Flexibility without complexity

The Larecoin ecosystem delivers all four.

Ready to Explore?

Still researching? Smart move.

Check out the Larecoin ecosystem to see the full merchant toolkit. Compare features. Run the numbers on your current processing costs.

Then make the decision that fits your business.

The crypto POS revolution isn't coming. It's here. The only question: which platform gets you there fastest with the lowest costs?

Your small business deserves better than legacy payment processing fees. Time to upgrade.