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

Crypto payments aren't just for tech bros anymore.

Small businesses everywhere are ditching traditional payment processors. The reason? Interchange fees eating into margins. Chargebacks. Frozen accounts. Bank holidays that delay settlements.

Enter the crypto POS system.

But here's the thing, not all crypto payment solutions are created equal. Three major players dominate the conversation right now: NOWPayments, CoinPayments, and Larecoin.

Each brings something different to the table. Let's break down which one actually makes sense for your small business.

The Quick Rundown

Before diving deep, here's what you need to know:

• NOWPayments: 300+ cryptocurrencies, fast processing, established player

• CoinPayments: Simple setup, mainstream coins, reliable but basic

• Larecoin: Web3-native, NFT receipts, LUSD stablecoin, true self-custody

Different businesses need different solutions. A coffee shop has different needs than an e-commerce store shipping globally.

Let's get into the details.

NOWPayments: The Crypto Variety King

NOWPayments has been around the block. They've built a solid reputation for one thing above all else: coin variety.

What NOWPayments Gets Right

• 300+ cryptocurrencies supported (plus 30+ stablecoins)

• Processing times averaging ~5 minutes

• Customizable network fees for higher-volume merchants

• White-label capabilities for branding

• 0.5-1% transaction fees

If your customers insist on paying with obscure altcoins, NOWPayments has you covered. Their API integration is straightforward. Setup doesn't require a computer science degree.

Where NOWPayments Falls Short

No direct bank payouts built-in. You'll need external services for fiat withdrawal, which adds friction and potential fees.

Customer support? Email only. No phone support. For small business owners who need quick answers, this can be frustrating.

And here's the kicker: you don't truly own your funds until withdrawal. They hold custody during processing.

CoinPayments: The Simple Choice

CoinPayments takes a different approach. Less is more.

What CoinPayments Gets Right

• Established platform with years of track record

• 40+ cryptocurrencies (21 stablecoins)

• Same 0.5-1% fee structure

• CSV batch payouts for accounting

• Simpler interface for beginners

For merchants who only need Bitcoin, Ethereum, and a handful of major coins, CoinPayments delivers without overwhelming you with options.

Where CoinPayments Falls Short

Processing times vary wildly. Sometimes minutes. Sometimes hours. Network congestion can leave you waiting.

Limited customization. What you see is what you get.

Same custody concerns as NOWPayments. Your crypto sits in their wallets until you withdraw.

And the big one for small businesses: no real innovation happening. They've maintained status quo while the Web3 space has evolved dramatically.

Larecoin: The Web3-Native Disruptor

Now let's talk about what happens when you build a crypto POS system from scratch with modern Web3 principles.

Larecoin approaches merchant payments differently. The philosophy? Financial sovereignty for businesses.

Self-Custody Merchant Accounts

This is massive.

With NOWPayments and CoinPayments, your funds sit in their custody until withdrawal. With Larecoin, you maintain control of your crypto from the moment of transaction.

No intermediary holding your revenue hostage. No frozen accounts because someone flagged a transaction. Your wallet. Your keys. Your business.

For small businesses burned by traditional payment processors locking up funds, this is game-changing.

NFT Receipts for Accounting

Here's where Larecoin gets genuinely innovative.

Every transaction generates an NFT receipt. Immutable. Verifiable. Permanently recorded on-chain.

Why does this matter?

• Audit-proof records that can't be altered

• Automated accounting integration with blockchain explorers

• Dispute resolution with indisputable transaction evidence

• Tax compliance made dramatically simpler

Traditional receipts get lost. Digital receipts get deleted. NFT receipts live forever on the blockchain.

Your accountant will thank you.

LUSD Stablecoin Benefits

Volatility is the elephant in the room with crypto payments.

Accept $100 in Bitcoin. Price drops 10% before you convert. You've effectively given a 10% discount.

Larecoin's LUSD stablecoin eliminates this problem. Accept payment in crypto. Receive value pegged to stable assets. No volatility stress.

Plus, LUSD operates with gas-only transfers: meaning minimal transaction costs compared to other stablecoins clogged with fees.

Slashing Interchange Fees by 50%+

Traditional credit card processing hits small businesses with 2.5-3.5% interchange fees. That adds up fast.

Larecoin's fee structure? Dramatically lower.

For a business processing $50,000 monthly, the math is simple:

• Traditional processing: $1,250-$1,750 in fees

• Larecoin: Under $500

That's potentially $15,000+ saved annually. Reinvest that into inventory, marketing, or just keep it as profit.

Receivables Token Innovation

Larecoin introduces something competitors don't offer: receivables tokenization.

Your outstanding invoices become tradeable assets. Need cash flow before customers pay? Tokenize those receivables. It's invoice factoring reimagined for Web3.

Small businesses have struggled with cash flow since forever. This feature addresses a real pain point that NOWPayments and CoinPayments don't even attempt to solve.

Feature Comparison Table

Feature	NOWPayments	CoinPayments	Larecoin
Cryptocurrencies	300+	40+	Growing ecosystem
Transaction fees	0.5-1%	0.5-1%	Under 0.5%
Processing speed	~5 minutes	Minutes to hours	Near-instant
Self-custody	❌	❌	✅
NFT receipts	❌	❌	✅
Stablecoin option	Third-party	Third-party	Native LUSD
Receivables token	❌	❌	✅
Bank-free operations	Partial	Partial	✅

Which Solution Fits Your Small Business?

Choose NOWPayments if:

• Your customers demand obscure altcoin options

• You need white-label branding

• Established track record matters most

Choose CoinPayments if:

• Simplicity trumps features

• You only accept mainstream cryptocurrencies

• You're testing crypto payments before committing

Choose Larecoin if:

• Self-custody and financial sovereignty matter

• You want NFT receipts for bulletproof accounting

• Reducing fees by 50%+ impacts your bottom line

• Global payments without bank friction is the goal

• You're building for the Web3 future, not maintaining Web2 habits

The Bottom Line

NOWPayments and CoinPayments built solid crypto payment solutions for their era. They work. Merchants use them successfully.

But they're essentially Web2 companies accepting crypto. Same custody models. Same centralized infrastructure. Same limitations.

Larecoin represents what happens when you build for Web3 from the ground up. Self-custody. NFT receipts. Native stablecoins. Receivables tokenization. True financial sovereignty.

For small businesses tired of payment processors controlling their cash flow, tired of excessive fees, tired of bank-dependent operations: the choice becomes clear.

The future of merchant payments isn't just accepting crypto. It's owning your financial infrastructure.

Ready to slash fees and take control?Explore Larecoin and see what Web3-native payments actually look like.