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

Running a small business is hard enough. Choosing the right crypto payment processor? That shouldn't give you headaches.

Here's the deal. You've heard the buzz about accepting cryptocurrency. Lower fees. Global reach. No chargebacks. Sounds perfect. But which platform actually delivers for small businesses without the enterprise-level complexity?

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

The Small Business Crypto POS Dilemma

Traditional payment processors eat into your margins. We're talking 2.5-3.5% per transaction. For a small business operating on thin margins, that's brutal.

Crypto payment processors promise relief. But not all solutions are created equal.

Some prioritize token variety over usability. Others focus on enterprise clients while leaving small merchants behind. A few actually understand what local businesses need: simplicity, low fees, and real ownership of funds.

NOWPayments: The Token Maximalist Option

What it offers: NOWPayments positions itself as the ultimate crypto acceptance layer. With 300+ cryptocurrencies and 30+ stablecoins, it's the token maximalist's dream.

Fee structure: Processing fees land between 0.5-1%. No payout fees. Customizable network fee options let you absorb or split gas costs with customers.

The good:

• Non-custodial approach means you control your wallets

• Massive token selection for niche communities

• API-first design for developers

• White-label integration available

The not-so-good:

• Non-custodial means more operational responsibility

• No dedicated POS terminals

• Can overwhelm small business owners with options

• Requires technical maturity to manage properly

Best for: Tech-savvy merchants serving crypto-native customers who demand obscure tokens.

CoinPayments: The Managed Service Approach

What it offers: CoinPayments takes the managed-service route. Think of it as the "just make it work" option. Around 40+ cryptocurrencies, 21 stablecoins, and actual POS terminal support.

Fee structure: Similar 0.5-1% processing fees. Zero service fees for payouts.

The good:

• Payment links and POS terminals included

• OTC services for larger transactions

• Better compliance readiness out-of-the-box

• Simpler for finance teams

The not-so-good:

• Fewer cryptocurrency options

• Less flexibility on network fee handling

• More custodial approach reduces your control

• Not optimized for self-custody believers

Best for: Traditional retailers wanting plug-and-play crypto acceptance with minimal technical overhead.

Larecoin: The Small Business Power Play

Here's where things get interesting.

Larecoin isn't just another payment processor. It's an entire ecosystem built specifically for merchants who want to keep more of what they earn.

The Larecoin Difference:

50% Lower Interchange Fees

Legacy payment systems charge 2.5-3.5% per transaction. Larecoin slashes that by half. We're talking real savings that compound over thousands of transactions annually.

For a small business processing $100,000 yearly, that's potentially $1,250-$1,750 back in your pocket. Every year.

The Ecosystem: LUSD, LarePAY, and LareBlocks

Larecoin isn't a standalone token. It's backed by a full infrastructure:

• LUSD – A stablecoin pegged 1:1, eliminating volatility concerns

• LarePAY – Merchant payment rails designed for speed

• LareBlocks – The underlying architecture making it all work

This isn't patchwork. It's purpose-built for real-world commerce.

Self-Custody Via Smart Wallet

The Larecoin Smart Wallet puts you in control. Not your keys, not your coins, you've heard it before. But Larecoin makes self-custody actually usable for non-technical merchants.

No more trusting third parties with your revenue. Funds hit your wallet instantly.

NFT Receipts: Tax Season Just Got Easier

This is where Larecoin flexes.

Every transaction generates an NFT receipt. Immutable. Timestamped. Automatically organized on-chain.

Come tax season, your accountant doesn't need to dig through spreadsheets. The blockchain already recorded everything. Audit-proof documentation built into every sale.

For small business owners drowning in receipt management, this is transformative.

QR-Generated POS: No Hardware Required

Forget expensive terminals. Forget hardware maintenance. Forget compatibility headaches.

Larecoin's QR-generated POS turns any device into a payment terminal. Generate a QR code. Customer scans. Payment received.

Setup takes minutes, not days. Perfect for pop-up shops, farmers markets, food trucks, or any merchant who moves around.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	~50% lower than legacy
Self-Custody	Yes	Partial	Yes (Smart Wallet)
POS Hardware Required	No	Optional	No (QR-based)
NFT Receipts	No	No	Yes
Stablecoin Option	Third-party	Third-party	Native (LUSD)
Small Business Focus	Medium	Medium	High
Setup Complexity	High	Low	Low

Why Larecoin Wins for Small Businesses

Let's be real. NOWPayments and CoinPayments serve their markets well. If you need 300 obscure tokens or enterprise-grade managed services, they've got you covered.

But most small businesses? They need something different.

They need:

• Maximum savings on every transaction

• Simple setup without IT departments

• Real ownership of their funds

• Accounting that doesn't require a forensic specialist

• Flexibility to accept payments anywhere

Larecoin delivers on all fronts.

The Receivables Token Advantage

Here's what separates Larecoin from the pack: it's designed as a receivables token first.

Most crypto payment processors treat merchant payments as an afterthought. They're built for consumers sending money peer-to-peer.

Larecoin flips the script. The entire ecosystem: from LarePAY to LareBlocks: optimizes for businesses receiving payments. That fundamental difference shows up in every feature, every fee structure, every integration.

Getting Started Is Ridiculously Simple

1. Set up your Larecoin Smart Wallet

2. Generate your QR-based POS

3. Accept payments immediately

No lengthy applications. No hardware purchases. No weeks waiting for approval.

Small businesses move fast. Your payment processor should match that speed.

The Bottom Line

NOWPayments works for crypto-native communities demanding token variety. CoinPayments handles traditional retail wanting managed simplicity.

But for small businesses prioritizing savings, self-custody, and operational simplicity? Larecoin is the play.

Lower fees. NFT receipts for bulletproof accounting. QR-based POS that works anywhere. A stablecoin (LUSD) for volatility protection.

The crypto payment landscape keeps evolving. Smart small businesses are choosing solutions built specifically for their reality: not repurposed enterprise tools.

Ready to keep more of what you earn? Check out Larecoin and see why small merchants are making the switch.