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

Traditional payment processors are bleeding your business dry. We're talking 2.5% to 3.5% on every single transaction. That's thousands of dollars annually, gone.

Crypto POS systems change the game. But which one actually delivers?

Three major players dominate the space: NOWPayments, CoinPayments, and Larecoin. Each promises lower fees. Each claims better features. Only one truly optimizes for small business profitability.

Let's break it down.

Why Crypto POS Systems Matter for Small Businesses

Here's the reality. Traditional interchange fees crush margins. A coffee shop processing $500,000 annually? That's $12,500 straight to Visa and Mastercard.

Crypto payment solutions slash those costs dramatically. But not all platforms are created equal.

The right crypto POS system delivers:

• Lower transaction fees (often 50%+ reduction)

• Faster settlement times

• Global customer access

• Financial sovereignty

The wrong choice? Hidden fees, custodial risks, and outdated infrastructure.

The Fee Showdown: Where Your Money Actually Goes

Numbers don't lie. Here's what you're really paying:

Platform	Processing Fee	Annual Cost ($500K Volume)
Traditional Cards	2.5%	$12,500
NOWPayments	0.5-1%	~$3,750
CoinPayments	0.5-1%	~$3,750
Larecoin	Gas-only model	Under $2,000

NOWPayments and CoinPayments both cut costs significantly. You're looking at roughly $3,750 annually on that same $500K volume. Solid improvement.

Larecoin takes it further. The gas-only transfer model means you're paying network fees, nothing more. We're talking under $2,000 annually. That's an additional $1,750+ staying in your pocket compared to other crypto solutions.

For a small business, that's not pocket change. That's inventory. That's marketing budget. That's growth capital.

Feature-by-Feature Breakdown

Fees matter. Features matter more. Here's the complete comparison:

Feature	NOWPayments	CoinPayments	Larecoin
Processing Speed	~5 minutes	Minutes to hours	Near-instant
Custody Model	Non-custodial option	Custodial	Full self-custody
Cryptocurrencies	300+	40+	Comprehensive
Native Stablecoin	No	No	LUSD
NFT Receipts	No	No	Yes
Network Fee Control	Yes	No	Yes

Let's dig deeper.

NOWPayments: The Volume Play

Operating since 2019, NOWPayments built its reputation on variety. Over 300 cryptocurrencies supported. That's impressive coverage.

Strengths:

• Broadest cryptocurrency selection available

• Non-custodial options for security-conscious merchants

• Customizable network fee display at checkout

• Established track record

Limitations:

• No native stablecoin for volatility protection

• Standard feature set without innovation edge

• Processing times can stretch to 5+ minutes

For businesses prioritizing maximum crypto variety? NOWPayments works. Just don't expect cutting-edge merchant tools.

CoinPayments: The Legacy Option

CoinPayments is the established player. Years of operational stability. Broad token support. But innovation? Not so much.

Strengths:

• Platform stability and reliability

• Extensive token variety

• Proven market presence

Limitations:

• Primarily custodial model (they hold your funds)

• Limited modern features

• No stablecoin integration

• Settlement times vary significantly

CoinPayments serves merchants who prioritize familiarity over functionality. If "it works" is your bar, it clears it. Barely.

Larecoin: The Web3 Evolution

This is where things get interesting.

Larecoin wasn't built to compete with legacy platforms. It was built to replace them entirely. The approach? Full Web3 integration with merchant-first design.

Strengths:

• Full self-custody: Funds transfer directly to your wallet. No middleman holding your money.

• NFT receipts: Immutable transaction records for accounting and compliance

• LUSD stablecoin: Native integration protects against crypto volatility

• Near-instant settlement: No waiting hours for confirmation

• Gas-only pricing: Pay network fees, nothing extra

The Self-Custody Advantage

Here's what self-custody really means. With custodial platforms, your funds sit in their accounts. Their security risks become your security risks. Their policies dictate your access.

With Larecoin, every payment lands directly in your merchant wallet. Complete control. Complete ownership. Zero intermediary risk.

NFT Receipts for Accounting

Traditional receipts? Paper. Digital PDFs. Easily lost, easily manipulated.

NFT receipts create immutable blockchain records. Every transaction permanently documented. Perfect for tax season. Perfect for audits. Perfect for dispute resolution.

This isn't a gimmick. It's accounting infrastructure for the Web3 era.

LUSD Stablecoin Benefits

Crypto volatility kills merchant adoption. Accept Bitcoin today, watch it drop 10% tomorrow. That's not sustainable for cash flow planning.

LUSD solves this. Native stablecoin integration means instant conversion. You receive predictable value regardless of market swings. Budget with confidence.

Which Platform Fits Your Business?

Different businesses. Different needs. Here's the breakdown:

Choose NOWPayments If:

• Maximum cryptocurrency variety is essential

• Basic payment processing meets your requirements

• You're comfortable with custodial options for operational balances

• 5-minute processing times don't impact customer experience

Choose CoinPayments If:

• Platform legacy and stability are top priorities

• You want established market presence

• Modern features aren't critical to operations

• You're not concerned about custodial fund holding

Choose Larecoin If:

• Fee reduction directly impacts profitability

• Self-custody of funds is non-negotiable

• You want immutable transaction records via NFT receipts

• Stablecoin settlement appeals to cash flow management

• Global reach without traditional banking limitations matters

• You're building a bank-free business operation

The Real Cost of NOT Optimizing

Let's do quick math.

A small business processing $50,000 monthly. Traditional cards at 2.5% = $1,250 monthly in fees. That's $15,000 annually.

NOWPayments or CoinPayments at 0.75% average = $375 monthly. $4,500 annually. Significant savings.

Larecoin's gas-only model? Depending on transaction size and network, you're looking at roughly $165 monthly. Under $2,000 annually.

The spread between Larecoin and other crypto solutions? Over $2,500 per year. For a small business, that's 50%+ additional savings on top of already reduced crypto fees.

Scale that over five years. Scale it across multiple locations. The numbers become undeniable.

Beyond Fees: Building Financial Sovereignty

Here's what most comparison articles miss.

Crypto POS isn't just about saving money. It's about independence.

Traditional payment processors can:

• Freeze your funds

• Increase fees without notice

• Deny service based on industry

• Delay settlements indefinitely

Self-custody crypto payments eliminate these risks entirely. Your business. Your money. Your control.

Larecoin's infrastructure enables truly bank-free business operations. Accept payments globally. Settle instantly. Operate without permission from legacy financial institutions.

That's not just efficiency. That's sovereignty.

Making the Switch

Ready to slash merchant fees by 50%+?

Start here:

1. Visit Larecoin.com

2. Set up your self-custody merchant wallet

3. Integrate contactless POS into existing operations

4. Start accepting crypto with near-instant settlement

Join the Larecoin Community for merchant support, integration guides, and direct access to the team building the future of Web3 payments.

The question isn't whether crypto payments make sense for small businesses. They do.

The question is which platform maximizes your advantage.

For fee reduction, self-custody, NFT receipts, and LUSD stablecoin integration: Larecoin delivers what NOWPayments and CoinPayments simply can't match.

Your margins. Your money. Your move.