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

Small business owners are done with traditional payment processors. The fees are brutal. The chargebacks are relentless. And banks? They're not exactly rolling out the red carpet.

Enter the crypto POS system for small business. Web3 global payments are reshaping how merchants accept money: and keep more of it.

But not all platforms are created equal.

Today we're breaking down three major players: NOWPayments, CoinPayments, and Larecoin. By the end, you'll know exactly which one fits your operation.

Let's dive in.

Why Crypto POS Systems Matter for Small Business

Traditional interchange fees eat 2.5–3.5% of every transaction. That's thousands of dollars annually flying out the window.

Crypto payment solutions slash those costs dramatically. We're talking 50%+ savings in many cases.

But there's more:

• No chargebacks. Transactions are final.

• Global reach. Accept payments from anywhere.

• Financial sovereignty. Your money, your rules.

• Bank-free operations. No more frozen accounts or arbitrary holds.

The question isn't whether to adopt crypto payments. It's which platform gets you there fastest.

The Contenders: A Quick Overview

NOWPayments

NOWPayments is a solid NOWPayments alternative... wait, that doesn't make sense. Let me be clear: NOWPayments is a well-established crypto payment gateway.

The highlights:

• 300+ cryptocurrencies supported

• 30+ stablecoins

• Non-custodial by default

• 0.5–1% processing fees

• 24/7 live chat support

It's feature-rich. The API is flexible. Small businesses can integrate via plugins, widgets, or direct API calls.

CoinPayments

CoinPayments has been around since 2013. It's one of the OGs in this space.

What you get:

• 40+ cryptocurrencies

• 21 stablecoins

• White-label checkout

• Recurring subscription support

• 0.5–1% fees

Solid platform. But here's the catch: CoinPayments holds funds in generated wallets where you don't control the private keys. That's a significant consideration for merchants prioritizing self-custody merchant accounts.

Larecoin

Larecoin isn't just another payment processor. It's a complete Web3 payments ecosystem built for the next generation of commerce.

The differentiators:

• NFT receipts for accounting

• LUSD stablecoin integration

• True self-custody merchant accounts

• Receivables token functionality

• Contactless POS system

• 50%+ fee reduction vs. traditional processors

This is where things get interesting.

Feature-by-Feature Breakdown

Transaction Fees

Platform	Processing Fee	Payout Fee
NOWPayments	0.5–1%	0%
CoinPayments	0.5–1%	0%
Larecoin	Significantly lower	Gas-only transfers

Larecoin's gas-only transfer model means you're not paying percentage-based fees on every sale. For high-volume merchants, this translates to massive savings.

Want to reduce merchant interchange fees by 50% or more? That's the Larecoin value proposition.

Cryptocurrency Support

NOWPayments leads with 300+ coins. CoinPayments offers 40+. Both are respectable numbers.

But here's what matters more: stablecoin integration.

Larecoin features LUSD stablecoin benefits that eliminate volatility risk. Accept crypto, settle in a stable asset, move on with your day. No price swings eating into your margins.

Custody Model: Who Controls Your Money?

This is crucial.

NOWPayments: Non-custodial. You hold the keys.

CoinPayments: Custodial wallets. They hold your funds until withdrawal.

Larecoin: Full self-custody merchant accounts. Your crypto goes directly to your wallet. Period.

Self-custody isn't just a preference: it's financial sovereignty. No platform freezes. No withdrawal limits imposed by a third party. No asking permission to access your own revenue.

The NFT Receipts Game-Changer

Here's where Larecoin genuinely separates from the pack.

NFT receipts for accounting transform how you track transactions. Every sale generates an immutable, on-chain receipt that:

• Can't be altered or lost

• Integrates seamlessly with modern accounting workflows

• Provides verifiable proof of transaction for audits

• Creates a permanent record on the blockchain

No more digging through spreadsheets. No more paper receipts. Just clean, cryptographic proof of every transaction your business makes.

This feature alone makes Larecoin a compelling CoinPayments alternative for merchants serious about operational efficiency.

Receivables Token: Unlock Your Cash Flow

Traditional payment processing ties up your money. Settlement takes days. Sometimes weeks.

Larecoin's receivables token changes everything.

Pending payments become tokenized assets. You can leverage them immediately instead of waiting for settlement cycles. It's like invoice factoring, but without the middleman taking a cut.

For small businesses dealing with cash flow constraints, this is transformational.

Integration & Ease of Use

NOWPayments Integration

• API access

• E-commerce plugins (WooCommerce, Shopify, etc.)

• POS applications

• Payment widgets

Solid documentation. Developer-friendly. Gets the job done.

CoinPayments Integration

• Similar plugin ecosystem

• API support

• Invoice generation

• Subscription billing

Mature platform with established integrations across major e-commerce systems.

Larecoin Integration

• Contactless POS system

• Merchant portal

• Smart wallet integration

• DAO governance participation

• Liquidity pools access

• Swap and bridge functionality

Larecoin isn't just processing payments. It's building an entire decentralized commerce infrastructure. The merchant portal connects you to the broader ecosystem: not just transactions, but DeFi opportunities.

Real Talk: Who Should Use What?

Choose NOWPayments If:

• You need maximum cryptocurrency variety

• Your customers pay in obscure altcoins

• Non-custodial is non-negotiable (but you don't need the extra features)

Choose CoinPayments If:

• You're comfortable with custodial solutions

• You want a proven, established platform

• White-label checkout is your priority

Choose Larecoin If:

• Reducing fees by 50%+ matters to your bottom line

• NFT receipts for accounting sound revolutionary (because they are)

• LUSD stablecoin benefits align with your volatility concerns

• Self-custody merchant accounts are essential

• You want access to a complete Web3 ecosystem

• Cash flow flexibility via receivables tokens appeals to you

• Bank-free business operations are the goal

The Bottom Line

All three platforms will get you accepting crypto. That's table stakes in 2026.

The difference is what happens after.

NOWPayments offers breadth. CoinPayments offers familiarity. Larecoin offers a complete reimagining of how merchants interact with money.

If you're running a small business and you're serious about:

• Slashing interchange fees

• Maintaining total control of your funds

• Leveraging blockchain-native accounting

• Accessing liquidity when you need it

• Building toward financial sovereignty

Then Larecoin deserves your attention.

The future of commerce isn't just accepting crypto. It's building your entire business on Web3 infrastructure designed for merchants: not retrofitted for them.

Ready to Make the Switch?

Stop bleeding money to legacy payment processors. Stop asking permission to access your own revenue. Stop settling for payment solutions that weren't built with your needs in mind.

Explore what Larecoin can do for your business. Check out the crypto payments ecosystem and see why merchants worldwide are making the switch.

Your margins will thank you.