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

Small business owners are bleeding money. Traditional payment processors take 2.5% to 3.5% on every single transaction. That's $12,500 to $17,500 annually on just $500k in volume. Brutal.

Crypto POS systems promise a way out. But which one actually delivers?

Let's break down three major players: NOWPayments, CoinPayments, and Larecoin. By the end, you'll know exactly which one fits your business.

The Problem With Traditional Payment Processing

Credit card companies have had merchants in a chokehold for decades. Interchange fees. Processing fees. Monthly fees. Chargeback fees.

It never ends.

A coffee shop doing $10,000/month in revenue? That's roughly $320 going straight to payment processors. Every. Single. Month.

Web3 payments change the game. Direct transactions. Lower fees. No middlemen holding your cash hostage.

But not all crypto payment solutions are created equal.

NOWPayments: The Multi-Coin Giant

NOWPayments has been around since 2019. Solid track record. Established reputation.

The Good:

• 300+ cryptocurrencies supported

• Non-custodial options available

• Advanced AML compliance

• ~5 minute average processing time

• Customizable network fees

The Not-So-Good:

• 0.5% to 1% transaction fees

• Funds still pass through their system before reaching you

• Requires trust in a third party

• Settlement isn't instant

On that same $500k annual volume, you're looking at $2,500 to $5,000 in fees. Better than traditional processors? Absolutely. But there's room for improvement.

NOWPayments works well for businesses wanting broad crypto acceptance. If your customers pay in dozens of different tokens, this matters.

But here's the thing. Most customers don't.

CoinPayments: The Legacy Player

CoinPayments is the old guard. Been around longer than most. Has a reputation built over years.

The Good:

• 40+ cryptocurrencies supported

• Established platform with proven stability

• Multiple integration options

The Not-So-Good:

• Primarily custodial model

• Processing times range from minutes to hours

• Some integrations feel dated

• 0.5% to 1% fees

• Your funds aren't truly yours until they release them

Same fee structure as NOWPayments. Same custodial concerns. The platform works, but it's showing its age.

For merchants who want "it just works" simplicity and don't mind the custodial model, CoinPayments does the job.

But if you care about financial sovereignty? Keep reading.

Larecoin: The Self-Custody Revolution

Here's where things get interesting.

Larecoin was built with one mission: give merchants complete control over their money while slashing fees by 50% or more.

The Differentiators:

• Full self-custody , Funds go directly to your wallet. No intermediaries. No waiting.

• LUSD stablecoin integration , Avoid volatility. Get paid in stable value.

• NFT receipts , Immutable proof of every transaction. On-chain verification.

• Gas-only transfers , No percentage-based fees eating your margins.

• Near-instant settlement , Money in your wallet, immediately.

• No dedicated POS hardware , Just QR codes. That's it.

On $500k in annual volume? You're looking at under $2,500 in total costs. Often significantly less.

The math speaks for itself.

Quick Comparison Table

Feature	NOWPayments	CoinPayments	Larecoin
Fee Structure	0.5-1%	0.5-1%	Gas-only
Custody Model	Semi-custodial	Custodial	Full self-custody
Settlement Speed	~5 minutes	Minutes to hours	Near-instant
Stablecoin Support	Yes	Yes	Native LUSD
NFT Receipts	No	No	Yes
Hardware Required	Varies	Varies	None (QR codes)

Why Self-Custody Actually Matters

Let's get real for a second.

When you use a custodial payment processor, you're trusting someone else with your money. They hold it. They control when you get it. They can freeze it.

Not your keys, not your crypto.

This isn't paranoia. It's basic Web3 principles.

With Larecoin's self-custody model, customer payments go directly to your wallet. No third party touches your funds. No approval process. No waiting period.

You made a sale? The money is yours. Immediately.

For small businesses, this is transformative. Cash flow constraints kill more businesses than competition does. Getting paid instantly changes everything.

Learn more about reducing your interchange fees while maintaining full custody.

The LUSD Stablecoin Advantage

Crypto volatility scares merchants. Understandably so.

You sell a product for $100 worth of Bitcoin. By the time you convert to fiat, it could be worth $90. Or $80. That's a business killer.

LUSD solves this.

Larecoin's native stablecoin maintains value pegged to the dollar. Accept payments without worrying about market swings. Hold value without custodial risk.

It's the best of both worlds. Crypto efficiency. Dollar stability.

NOWPayments and CoinPayments offer stablecoin support, sure. But it's not native. Not optimized. Not built from the ground up for merchant use cases.

NFT Receipts: Not Just a Gimmick

Every Larecoin transaction generates an NFT receipt.

Why does this matter?

Immutable proof of purchase. On-chain. Verifiable. Forever.

For accounting? Game changer. For disputes? Undeniable evidence. For customer relationships? A unique digital artifact tied to their purchase.

Think about returns and warranty claims. Instead of digging through email receipts, customers have blockchain-verified proof of purchase. Merchants have the same.

No other crypto POS system offers this.

The Hardware Question

NOWPayments and CoinPayments often require integrations, plugins, or specific setups depending on your use case.

Larecoin? QR codes.

Print them. Display them. Done.

Customer scans. Payment happens. Receipt generated. Funds in your wallet.

No POS terminals to buy. No hardware to maintain. No tech headaches.

For small businesses watching every expense, this matters more than most realize.

Who Should Use What?

Choose NOWPayments if:

• You need 300+ cryptocurrency support

• Regulatory compliance is a top priority

• You're okay with semi-custodial arrangements

Choose CoinPayments if:

• You want established, stable infrastructure

• Integration simplicity trumps other concerns

• Custody model doesn't bother you

Choose Larecoin if:

• Fee reduction is your primary goal

• Self-custody and financial sovereignty matter

• You want NFT receipts and LUSD stability

• Hardware costs are a concern

• Instant settlement affects your cash flow

For most small businesses? Larecoin checks more boxes.

Check out our detailed comparison with NOWPayments and CoinPayments breakdown.

The Bottom Line

Traditional payment processors are dinosaurs. High fees. Slow settlements. Zero innovation.

Crypto POS systems offer an escape. But the details matter.

NOWPayments brings cryptocurrency variety. CoinPayments brings legacy stability. Larecoin brings financial sovereignty.

50%+ fee reductions. Full self-custody. NFT receipts. LUSD stablecoin. No hardware requirements.

For small businesses serious about keeping more of what they earn?

The choice is clear.

Ready to go bank-free? Join the Larecoin community and start building your merchant freedom today.