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

Small businesses are drowning in payment processing fees. Credit cards take 2-3%. Traditional crypto gateways take 0.5-1%. Every transaction chips away at your margins.

Time to compare the real options. NOWPayments. CoinPayments. Larecoin.

Three platforms. Three different approaches. One clear winner for merchants who want freedom.

Let's break it down.

The Fee Problem Nobody Talks About

Here's the math that keeps small business owners up at night.

Process $500,000 in transactions annually. Credit card processors take $10,000-$15,000. That's your profit margin. Gone.

Crypto payment gateways promised relief. They delivered... partially.

Platform	Fee Model	Annual Cost on $500K
NOWPayments	0.5-1% processing	~$3,750
CoinPayments	0.5-1% processing	~$3,750
Larecoin	Gas-only transfers	Under $2,000

The difference? 50%+ savings with Larecoin compared to other crypto gateways. 80%+ savings compared to credit cards.

That's not marketing speak. That's money back in your pocket.

Self-Custody: Who Really Controls Your Money?

This matters more than most merchants realize.

NOWPayments operates non-custodially. Funds go directly to your wallet. Good start. But they offer optional custody for operational balances. That's where things get murky.

CoinPayments holds your funds during processing. Limited self-custody options. Your money sits in someone else's hands while transactions clear.

Larecoin delivers full self-custody through Smart Wallet architecture. Funds transfer immediately to your control. No third-party intermediaries. No waiting periods.

Merchant freedom isn't a buzzword here. It's the foundation.

When you accept payments through Larecoin, you own those funds the moment they arrive. Period. No platform can freeze them. No intermediary can delay access. No terms of service can suddenly change the rules.

That's what decentralized crypto payments actually look like.

Setup Complexity: Time Is Money

Every hour spent on integration is an hour not spent running your business.

NOWPayments requires API integration. You'll need developer resources. Setup takes hours to days depending on your technical capabilities. Not impossible, but not simple either.

CoinPayments offers lower setup complexity with optional hardware. Faster than NOWPayments. Still requires technical knowledge to get everything running smoothly.

Larecoin uses QR-based contactless payments. No specialized hardware required. No developer needed. Operational within minutes.

Read that again. Minutes. Not hours. Not days.

Generate a QR code. Accept payments. Done.

The contactless POS system eliminates the traditional barriers that keep small businesses from accepting crypto. No expensive terminal purchases. No complex integrations. No waiting for approval from payment processors.

The Feature Showdown

Let's get specific about what each platform actually delivers.

Feature	NOWPayments	CoinPayments	Larecoin
Cryptocurrencies Supported	300+	Extensive	Comprehensive
Stablecoin Integration	Third-party	Third-party	Native LUSD
Transaction Records	Standard	Standard	NFT Receipts
Self-Custody	Partial	Limited	Full
Hardware Required	No	Optional	No
Volatility Protection	No	No	Yes (LUSD)

Several things stand out here.

LUSD: Native Stablecoin Integration

Price volatility kills crypto adoption for merchants. Accept Bitcoin today, lose 10% tomorrow. Not a sustainable business model.

NOWPayments and CoinPayments rely on third-party stablecoins. Extra steps. Extra complexity. Extra points of failure.

Larecoin built LUSD directly into the ecosystem. Native stablecoin integration means instant conversion. Lock in the dollar value at the moment of sale. Eliminate volatility risk entirely.

Your $100 sale stays a $100 sale. Simple.

NFT Receipts: Immutable Transaction Records

Standard transaction records work fine. Until they don't.

Disputes happen. Chargebacks happen. Someone claims they never received goods or services. Now you're digging through spreadsheets trying to prove the transaction occurred.

Larecoin's NFT receipts change the game. Every transaction generates an immutable, on-chain record. Timestamped. Verified. Permanent.

No one can alter it. No one can delete it. The blockchain doesn't care about "he said, she said."

For small businesses, this means:

• Instant proof of transaction

• Simplified accounting

• Reduced dispute headaches

• Web3-native record keeping

It's not just a receipt. It's cryptographic proof.

When to Choose Each Platform

Different businesses have different needs. Let's be real about who each platform serves best.

Choose NOWPayments If:

• You need 300+ cryptocurrency support

• You value an established platform (operating since 2019)

• You have technical resources for API integration

• Broader crypto diversity matters more than fee savings

NOWPayments has a track record. It works. It's reliable for businesses with developer access who need maximum cryptocurrency options.

Choose CoinPayments If:

• Legacy stability appeals to you

• You don't require cutting-edge features

• Moderate technical complexity is acceptable

CoinPayments serves its purpose. It's been around. It functions. Not revolutionary: but functional.

Choose Larecoin If:

• Reducing fees by 50%+ is a priority

• Complete financial control matters

• Minimal setup complexity is essential

• Web3-native features like NFT receipts appeal to you

• Native stablecoin integration (LUSD) solves volatility concerns

For most small businesses seeking maximum value from crypto payments, the choice becomes obvious.

The Merchant Freedom Factor

Here's what sets Larecoin apart from every other option in the space.

Independence. True independence.

Traditional payment processors can:

• Freeze your account

• Hold funds for "review"

• Change terms without notice

• Charge hidden fees

• Deny service based on industry

Even many crypto gateways retain some level of control over your funds during processing.

Larecoin's decentralized approach eliminates these friction points. Your business. Your funds. Your rules.

The Smart Wallet architecture ensures you maintain complete sovereignty over every transaction. No approval needed. No permissions required. No third-party able to interfere with your commerce.

That's merchant freedom in practice, not theory.

Making the Switch

Already using another crypto payment solution? Switching doesn't mean starting over.

Larecoin's ecosystem integrates with existing operations. Keep accepting payments while you explore the platform. No dramatic changeover required.

Visit Larecoin to see the full ecosystem. Check out the merchant portal features. Join the community discussion to hear from other merchants making the transition.

The crypto payment landscape is evolving. Platforms charging 0.5-1% made sense five years ago. Today? Gas-only transfers exist. Self-custody is available. NFT receipts provide superior record-keeping.

Why settle for yesterday's solution?

The Bottom Line

Three platforms. Clear differences.

NOWPayments offers cryptocurrency diversity and established operations. CoinPayments provides legacy stability. Larecoin delivers fee savings, true self-custody, NFT receipts, native stablecoin integration, and merchant freedom.

For small businesses tired of watching fees eat profits, the math speaks clearly.

50%+ savings over other crypto gateways. 80%+ savings over credit cards. Full control of your funds. Setup in minutes.

Your business deserves better than middlemen taking cuts from every sale. Crypto payments promised freedom from traditional payment processor tyranny.

Larecoin actually delivers it.