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

Running a small business in 2026? Traditional payment processors are eating your profits. We're talking 2.5-3.5% on every single transaction. That adds up fast.

Crypto payment solutions offer a better way. Lower fees. Faster settlement. True ownership of your revenue.

But which platform actually delivers?

Let's break down NOWPayments, CoinPayments, and Larecoin. No fluff. Just the facts you need to make the right choice.

The Fee Battle: Where Your Money Actually Goes

Here's the reality. Traditional payment processors cost small businesses thousands annually. Crypto changes that equation entirely.

Platform	Processing Fee	Annual Cost ($500K Revenue)
NOWPayments	0.5-1%	~$3,750
CoinPayments	0.5-1%	~$3,750
Larecoin	~50% lower than traditional	Under $2,000

Simple math. A small business processing $10,000 monthly pays roughly $320 to traditional processors. NOWPayments and CoinPayments bring that down to $75-100. Larecoin? Even lower.

That's money staying in your pocket. Not theirs.

Self-Custody: The Freedom Your Business Deserves

Here's where things get interesting.

NOWPayments and CoinPayments hold your funds. They act as intermediaries. Your customer pays. The platform holds the money. Then releases it to you. Eventually.

That's not independence. That's dependence.

Larecoin operates differently. Direct merchant-to-customer transactions. Full self-custody through smart wallet technology. No middleman sitting on your revenue.

Think about it. Why should anyone else control when you access your own money?

The custodial model creates risk:

• Platform outages

• Withdrawal delays

• Potential account freezes

• Counterparty exposure

Self-custody eliminates these concerns. Your funds. Your control. Period.

Speed Matters: Settlement Times Compared

Time is money. Literally.

Larecoin: Sub-second finality on Solana. Near-instant settlement.

NOWPayments: Average ~5 minutes.

CoinPayments: Minutes to hours. Sometimes longer.

For a busy retail environment, waiting minutes: or hours: creates friction. Larecoin's architecture removes that friction entirely.

Cryptocurrency Support: Quality vs. Quantity

NOWPayments supports 300+ cryptocurrencies. Impressive number.

CoinPayments offers 40+. Solid variety.

Larecoin provides a curated, optimized selection.

But here's the question: Do you actually need 300 cryptocurrencies?

Most small businesses accept Bitcoin, Ethereum, and stablecoins. Maybe a few others. The rest? Noise.

A focused approach means better optimization. Faster processing. Fewer complications.

LUSD: The Stablecoin Advantage

Volatility concerns merchants. Understandably.

Accept Bitcoin at $45,000. Wake up tomorrow. It's $42,000. You just lost money.

Stablecoins solve this. But implementation matters.

NOWPayments and CoinPayments offer third-party stablecoin options. They work. They're fine.

Larecoin built LUSD natively into the ecosystem. Instant stable settlement. No third-party dependencies. Seamless conversion within the platform.

That's architectural integration vs. bolted-on solutions. The difference shows in daily operations.

NFT Receipts: Innovation That Matters

This is where Larecoin separates from the pack entirely.

NOWPayments: No NFT receipts.

CoinPayments: No NFT receipts.

Larecoin: Built-in NFT receipt generation.

Why does this matter?

Immutable transaction records. Permanent proof of purchase. Customer engagement opportunities. Loyalty program integration.

Each transaction becomes a verifiable digital asset. Disputes become simpler. Record-keeping becomes automatic. Customer experience becomes memorable.

It's not a gimmick. It's practical innovation for modern commerce.

The Hardware Question: Contactless POS Terminals

Small businesses need physical solutions. Not just online integrations.

CoinPayments focuses primarily on online merchant services.

NOWPayments offers various integration options but limited hardware focus.

Larecoin provides contactless POS terminals specifically designed for retail environments. Plus a dedicated merchant portal dashboard for managing everything.

Walk into your store. Accept crypto payments. Watch transactions settle instantly. Access your funds immediately.

That's the workflow that actually serves small business needs.

Integration Complexity: Getting Started

NOWPayments offers straightforward API integration. Plugins for major e-commerce platforms. Generally well-documented.

CoinPayments provides similar integration paths. Some merchants consider it outdated by 2026 standards. Basic functionality works. Innovation lags.

Larecoin combines modern API architecture with purpose-built merchant tools. The learning curve exists but pays dividends in operational efficiency.

The Real Cost Comparison

Let's run actual numbers for a small retail business.

Annual revenue: $200,000

Traditional processor (3%): $6,000 in fees

NOWPayments (0.75% average): $1,500 in fees

CoinPayments (0.75% average): $1,500 in fees

Larecoin: Under $1,000 in fees + zero custodial risk

The savings compound yearly. Five years of operation? We're talking tens of thousands in retained revenue.

That's expansion capital. Inventory investment. Marketing budget. Your money working for your business.

Making the Decision

Choose NOWPayments if:

• Maximum cryptocurrency variety matters most

• You need proven, established infrastructure

• Online-only operations dominate your business

Choose CoinPayments if:

• Simplicity outweighs innovation

• Basic functionality meets all requirements

• You're comfortable with older technology

Choose Larecoin if:

• Fee minimization drives your decision

• Self-custody and fund control matter

• You want NFT receipts and innovative features

• Retail/physical POS needs exist

• Instant settlement improves your operations

The Independence Factor

Here's the philosophical difference worth considering.

NOWPayments and CoinPayments operate as traditional payment processors wearing crypto clothing. They're intermediaries. They hold your money. They control access.

Larecoin operates as infrastructure for merchant independence. Decentralized architecture. Self-custody design. Direct settlement.

The crypto revolution promised freedom from financial intermediaries. Some platforms deliver on that promise. Others just swap one intermediary for another.

Getting Started Today

Ready to cut payment processing fees? Ready for self-custody? Ready for innovation?

The comparison is clear. The choice is yours.

Visit Larecoin to explore the ecosystem. Check out the merchant solutions designed specifically for small business needs.

Stop paying unnecessary fees. Start owning your revenue stream.

Your small business deserves better than 3% transaction costs. Your customers want crypto payment options. The technology exists today.

The only question remaining: Are you ready to make the switch?