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

Small business owners are done with 3% payment processing fees eating into margins.

Credit card networks have held merchants hostage for decades. Interchange fees. Chargebacks. Rolling reserves. The traditional payment stack wasn't built for you, it was built to extract value from you.

Enter crypto POS systems.

But here's the thing: not all crypto payment processors are created equal. NOWPayments and CoinPayments have been around the block. They're solid options. But a new contender, Larecoin, is rewriting the rules with Web3-native infrastructure that goes far beyond simple payment acceptance.

Let's break down which crypto POS system actually makes sense for your small business in 2026.

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The Quick Comparison: What You Need to Know

Before diving deep, here's the snapshot:

Feature	NOWPayments	CoinPayments	Larecoin
Cryptos Supported	300+	40+	Multi-chain + LUSD
Processing Fees	0.5-1%	0.5-1%	Near-zero with LUSD
Processing Speed	~5 minutes	Minutes to hours	Real-time
Custody Model	Non-custodial	Custodial	Full self-custody
NFT Receipts	No	No	Yes
Stablecoin Native	Limited	Limited	LUSD integrated
Receivables Token	No	No	Yes

The numbers tell one story. The features tell another.

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NOWPayments: The Volume Play

NOWPayments has earned its reputation. 300+ cryptocurrencies. Solid API documentation. Non-custodial architecture that keeps your funds under your control.

What NOWPayments Does Well:

• Massive crypto diversity (300+ coins, 30+ stablecoins)

• Fast processing (~5 minutes, 45 seconds on TON)

• Customizable network fee options

• White-label capabilities

• 0.5% fees for single-currency transactions

Where NOWPayments Falls Short:

• No native stablecoin solution

• Standard receipt infrastructure (no blockchain-verified receipts)

• Limited Web3 integration

• No receivables tokenization

• Still reliant on traditional accounting workflows

For high-volume merchants who want crypto diversity and don't care about advanced features, NOWPayments works. It's a CoinPayments alternative that prioritizes flexibility.

But "works" isn't the same as "optimal."

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CoinPayments: The Established Player

CoinPayments has been in the game longer than most. Established. Reliable. Trusted by thousands of merchants globally.

What CoinPayments Does Well:

• Proven track record

• 40+ cryptocurrencies supported

• Simple merchant dashboard

• Recurring subscription support

• Full white-label options

Where CoinPayments Falls Short:

• Custodial model (they hold your funds)

• Slower processing (minutes to hours depending on congestion)

• Higher fees for tokens and stablecoins (1%)

• No self-custody merchant accounts

• Legacy infrastructure without Web3 capabilities

CoinPayments is the NOWPayments alternative for merchants who value simplicity over features. But that custodial model? It's a dealbreaker for anyone serious about financial sovereignty.

Your keys. Your coins. Anything else is a compromise.

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Larecoin: The Web3-Native Solution

Here's where things get interesting.

Larecoin wasn't built to compete with NOWPayments or CoinPayments. It was built to replace the entire legacy payment paradigm with true Web3 global payments infrastructure.

What Makes Larecoin Different:

Self-Custody Merchant Accounts

No intermediary holding your funds. Period.

Traditional payment processors: even crypto ones: often sit between you and your money. Larecoin's architecture ensures every transaction settles directly to your wallet. Full control. Full sovereignty.

This isn't just philosophy. It's protection against:

• Platform freezes

• Rolling reserves

• Arbitrary account closures

• Third-party custody risk

NFT Receipts for Accounting

This is the feature CPAs didn't know they needed.

Every Larecoin transaction generates an immutable, blockchain-verified NFT receipt. What does that mean for your small business?

• Tamper-proof records: No altered spreadsheets. No "lost" receipts.

• Instant auditability: Every transaction verifiable on-chain.

• Simplified tax prep: Your accountant will thank you.

• Dispute resolution: Cryptographic proof of every sale.

Traditional crypto processors give you transaction hashes. Larecoin gives you auditable, transferable receipt NFTs that live forever on the blockchain.

LUSD Stablecoin Benefits

Volatility kills merchant adoption. Everyone knows this.

Larecoin's LUSD stablecoin integration solves the problem at the protocol level:

• Zero volatility risk: Accept crypto, receive stable value.

• Near-zero transaction fees: Gas-only transfers slash costs by 50%+.

• Instant settlement: No waiting for blockchain confirmations.

• Push-to-card capability: Need fiat? Push directly to your debit card.

LUSD isn't just "another stablecoin." It's the settlement layer that makes crypto practical for daily commerce.

The Receivables Token

Here's where Larecoin truly separates from the pack.

Every merchant payment creates a receivables token: a tradeable, collateralizable asset representing future value. What can you do with it?

• Use as collateral for business loans

• Trade on secondary markets

• Manage cash flow without selling inventory

• Build credit history on-chain

This is DeFi for small business. Real utility. Real financial tools.

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Fee Comparison: Where You Actually Save Money

Let's talk numbers. Because reducing merchant interchange fees is why you're here.

Traditional Credit Cards:

• 2.5-3.5% per transaction

• Plus monthly fees

• Plus chargeback fees

• Plus PCI compliance costs

NOWPayments:

• 0.5% single-currency

• 1% multi-currency

• Network fees variable

CoinPayments:

• 0.5% BTC/ETH

• 1% tokens and stablecoins

• Network fees variable

Larecoin:

• Near-zero with LUSD (gas-only transfers)

• No monthly platform fees

• No chargeback risk (crypto is final)

For a small business processing $50,000/month:

Processor	Monthly Cost
Credit Cards (3%)	$1,500
NOWPayments (0.75% avg)	$375
CoinPayments (0.75% avg)	$375
Larecoin (LUSD)	~$50-100 (gas only)

That's $15,000+ back in your pocket annually. Real savings. Real margin recovery.

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The Bank-Free Business Model

Here's the bigger picture.

NOWPayments and CoinPayments are upgrades from Visa and Mastercard. Larecoin is an exit ramp from the entire banking system.

What bank-free operations look like:

• Accept payments globally without currency conversion fees

• Settle instantly without 2-3 day ACH delays

• Operate in jurisdictions where banking access is limited

• Build financial history on-chain, not through credit bureaus

• Access DeFi lending without traditional underwriting

Financial sovereignty isn't a buzzword. It's operational independence.

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Which Crypto POS System Should You Choose?

Choose NOWPayments if:

• You need maximum cryptocurrency diversity

• Non-custodial matters but advanced features don't

• You're comfortable with traditional accounting workflows

• Processing speed under 5 minutes is acceptable

Choose CoinPayments if:

• You prefer established platforms with long track records

• Simplicity trumps advanced features

• You're okay with custodial fund management

• You don't need cutting-edge Web3 integration

Choose Larecoin if:

• Self-custody merchant accounts are non-negotiable

• NFT receipts for accounting appeal to your operations

• You want to reduce merchant interchange fees by 50%+

• LUSD stablecoin benefits align with your volatility concerns

• You're building toward true financial sovereignty

• Web3 global payments represent your future, not just your present

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Getting Started With Larecoin

Ready to upgrade your payment infrastructure?

Here's the path:

1. Visit larecoin.com to explore the ecosystem

2. Set up your self-custody wallet through the merchant portal

3. Integrate the contactless POS into your existing operations

4. Start accepting crypto with NFT receipts from day one

The future of small business payments isn't incremental improvement on legacy rails. It's complete reinvention.

NOWPayments and CoinPayments moved the needle. Larecoin is building an entirely new instrument.

Your margins. Your sovereignty. Your choice.