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

Small business owners are fed up with traditional payment processors. High interchange fees. Slow settlements. Zero control over your own money.

The solution? A crypto POS system built for the Web3 era.

But which one actually delivers?

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

The Small Business Payment Problem

Traditional card processors eat 2.5-3.5% of every transaction. That's brutal for small margins.

Chargebacks? A nightmare. Settlement times? Days, sometimes weeks. Financial sovereignty? Forget it.

Crypto POS systems promise lower fees, faster settlements, and true ownership of your funds. But not all platforms deliver equally.

NOWPayments: The Volume Play

What it is: A crypto payment gateway supporting 300+ cryptocurrencies.

Best for: Businesses wanting maximum coin variety.

The Good

• 300+ cryptocurrencies accepted

• Transaction processing in ~5 minutes (under 1 minute for TON)

• 0.5-1% processing fees

• Customizable network-fee options

• Quick 5-minute KYB verification

• REST APIs and plugins for WooCommerce, Ecwid

The Limitations

• No NFT receipts for accounting

• Standard custody model, your funds sit on their platform

• No stablecoin ecosystem built specifically for merchants

• Limited Web3 integration beyond basic payments

NOWPayments works. It's solid for businesses needing wide crypto acceptance. But it's fundamentally a Web2 payment processor accepting Web3 currencies.

That's an important distinction.

CoinPayments: The Legacy Option

What it is: One of the oldest crypto payment processors, serving 117,000+ merchants globally.

Best for: Established businesses wanting a proven track record.

The Good

• 40+ cryptocurrencies supported

• Massive merchant network

• Built-in shopping cart plugins

• Mass payout capabilities

• Established since 2013

The Limitations

• Fewer coin options than NOWPayments

• Variable transaction speeds (minutes to hours)

• Traditional custody approach

• No Web3-native features

• No NFT receipt functionality

• Basic accounting integration

CoinPayments pioneered crypto payments for merchants. But pioneering doesn't mean leading today.

The platform feels dated. It's functional but lacks the innovation small businesses need in 2026.

Larecoin: The Web3-Native Solution

What it is: A complete Web3 payment ecosystem with self-custody, NFT receipts, and the LUSD stablecoin.

Best for: Small businesses wanting financial sovereignty, reduced fees, and future-proof technology.

Here's where things get interesting.

Larecoin isn't just another payment processor accepting crypto. It's a full ecosystem built from scratch for Web3 commerce.

Self-Custody Merchant Accounts

This is massive.

With NOWPayments and CoinPayments, your funds sit on their platforms. Their keys. Their rules. Their counterparty risk.

Larecoin flips this model. Self-custody merchant accounts mean you control your private keys. Your funds never touch a third-party hot wallet.

True financial sovereignty. Bank-free business operations.

NFT Receipts for Accounting

Traditional receipts are paper or PDFs. Easily lost. Hard to verify. A nightmare during audits.

Larecoin's NFT receipts change everything.

Every transaction mints an immutable receipt on-chain. Permanent record. Instantly verifiable. Perfect for accounting, tax documentation, and dispute resolution.

Your accountant will thank you.

LUSD Stablecoin Benefits

Volatility kills merchant crypto adoption. Accept Bitcoin today, watch it drop 15% tomorrow.

LUSD solves this.

Larecoin's native stablecoin gives merchants price stability without leaving the ecosystem. Accept any crypto, auto-convert to LUSD, eliminate volatility risk.

Plus, LUSD benefits include:

• Instant settlement

• No conversion fees within the ecosystem

• Full compatibility with Larecoin's contactless POS

• Easy off-ramp options

The Receivables Token

Here's a feature neither NOWPayments nor CoinPayments offers.

The receivables token lets merchants tokenize future payments. Think invoice factoring, but Web3-native and frictionless.

Cash flow problems? Tokenize your receivables. Access liquidity instantly.

Game-changer for small businesses managing seasonal fluctuations.

Feature Comparison: The Real Numbers

Let's get specific.

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	50%+ lower than traditional
Cryptocurrencies	300+	40+	Multi-chain support
Self-Custody	No	No	Yes
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	LUSD
Receivables Token	No	No	Yes
Web3 Integration	Basic	Basic	Full ecosystem
Contactless POS	Limited	Limited	Native

The numbers tell the story.

Why Small Businesses Are Switching to Larecoin

Slash Merchant Interchange Fees by 50%+

Traditional processors charge 2.5-3.5%. Even NOWPayments and CoinPayments take 0.5-1%.

Larecoin's gas-only transfer model dramatically reduces these costs. You're paying network fees: not platform fees stacked on top.

For a business doing $50,000/month in transactions, that's potentially $500-1,500 saved monthly. Every month.

Global Reach Without Banking Headaches

Want to sell to customers in 190+ countries? Traditional banking makes this painful.

Currency conversions. International wire fees. Compliance nightmares.

Larecoin's Web3 global payments infrastructure handles cross-border transactions natively. No correspondent banks. No SWIFT delays. No foreign exchange markups.

One system. Global reach.

The Metaverse-Ready Advantage

E-commerce is evolving. The metaverse isn't science fiction: it's happening now.

Larecoin's ecosystem includes social spaces and metaverse integration. Your POS system today becomes your virtual storefront tomorrow.

NOWPayments and CoinPayments? They're solving 2020's problems. Larecoin is building for 2030.

Setting Up Your Crypto POS System

NOWPayments setup: Email registration, 5-minute KYB, API integration required for custom implementations.

CoinPayments setup: Standard account creation, plugin installation, longer verification process.

Larecoin setup: Smart wallet creation, self-custody configuration, merchant portal access with AI/ML search and full ecosystem tools.

The Larecoin merchant portal gives you everything in one dashboard. Transaction history. NFT receipt management. LUSD conversion. Receivables tokenization.

No juggling multiple platforms.

The Verdict: Which Crypto POS System Wins?

Choose NOWPayments if: You need 300+ coin support and don't care about self-custody or advanced features.

Choose CoinPayments if: You want a proven legacy platform and only need basic crypto acceptance.

Choose Larecoin if: You want true financial sovereignty, NFT receipts for accounting, LUSD stablecoin stability, reduced merchant interchange fees, and a future-proof Web3 ecosystem.

For small businesses serious about crypto payments in 2026 and beyond, the choice is clear.

Larecoin isn't just a NOWPayments alternative or CoinPayments alternative. It's an entirely different category.

Web3-native. Self-custody. Built for merchants who want control.

Ready to Make the Switch?

Stop paying excessive interchange fees. Stop trusting third parties with your revenue. Stop using payment technology designed for the last decade.

Explore Larecoin's ecosystem and see why small businesses are choosing financial sovereignty.

Your money. Your keys. Your business.