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 crushing. The chargebacks are endless. The settlement times are glacial.

Enter crypto POS systems. Three names keep coming up: NOWPayments, CoinPayments, and Larecoin.

But which one actually delivers for your business?

Let's break it down.

The State of Crypto Payment Processing in 2026

The crypto POS market has exploded. More merchants are looking to reduce merchant interchange fees and escape the grip of legacy payment networks.

Smart move.

Traditional processors charge 2.9% + $0.30 per transaction. Crypto alternatives? Often under 1%.

That's money back in your pocket. Every single sale.

NOWPayments: The Multi-Coin Maximalist

What it offers:

• 300+ cryptocurrencies supported

• 0.5-1% processing fees

• ~5-minute settlement (45 seconds for TON)

• API integrations

• Mass payouts

• White-label options

The Good: NOWPayments dominates in cryptocurrency variety. Want to accept obscure altcoins? They've got you covered. Processing speed is solid. Customizable network fees let you optimize conversion rates.

The Not-So-Good: No built-in fiat-to-bank payouts. No phone support. You're on your own when issues arise.

For small businesses, 300+ coins sounds impressive. Reality check: most customers pay in BTC, ETH, or stablecoins. You probably don't need 300 options.

CoinPayments: The Established Player

What it offers:

• 40+ cryptocurrencies supported

• 0.5-1% processing fees

• Settlement times vary (minutes to hours)

• API integrations

• Mass payouts

• Crypto-to-fiat conversions

The Good: CoinPayments has been around. Established reputation. Curated asset selection means less complexity. Major coins and stablecoins covered.

The Not-So-Good: Processing times can lag. Hours for settlement? In 2026? That's rough. Limited innovation on the feature front.

Both platforms share a fundamental problem.

Neither gives you true financial sovereignty.

Larecoin: The Web3 Native Solution

Here's where things get interesting.

Larecoin isn't just another crypto payment gateway. It's a complete Web3 global payments ecosystem built for merchants who want control.

Core Features:

• Self-custody merchant accounts

• LUSD stablecoin integration

• NFT receipts for accounting

• Receivables token functionality

• Contactless POS system

• Gas-only transfers

• Push-to-card services

Why Self-Custody Changes Everything

NOWPayments and CoinPayments hold your funds. They're custodians.

Larecoin doesn't work that way.

Your money stays in your wallet. Your keys. Your crypto. No intermediary controlling your revenue stream.

This is financial sovereignty for merchants. Bank-free business operations aren't a fantasy anymore, they're live.

Feature Comparison: Head-to-Head

Feature	NOWPayments	CoinPayments	Larecoin
Custody Model	Custodial	Custodial	Self-custody
Processing Fee	0.5-1%	0.5-1%	Lower
NFT Receipts	❌	❌	✅
Native Stablecoin	❌	❌	✅ (LUSD)
Receivables Token	❌	❌	✅
Contactless POS	Software only	Implied	✅ Native
DAO Governance	❌	❌	✅

NFT Receipts: Why This Matters for Your Business

Paper receipts? Gone.

Digital PDFs in email? Dated.

NFT receipts for accounting are the future. Every transaction mints an immutable record on-chain.

Benefits:

• Tamper-proof transaction history

• Instant audit trails

• Automated reconciliation

• Customer loyalty integration potential

• Reduced accounting overhead

Your accountant will thank you. Your tax preparer will thank you. Your business records become bulletproof.

LUSD Stablecoin Benefits for Merchants

Crypto volatility scares merchants. Fair concern.

LUSD solves this.

Accept payment. Receive stable value. No exposure to BTC price swings while you sleep.

LUSD advantages:

• Price stability pegged to USD

• Instant settlement

• Lower fees than traditional stablecoin transactions

• Native ecosystem integration

• No conversion friction

You're operating in crypto without the rollercoaster. Best of both worlds.

The Receivables Token Innovation

This is where Larecoin pulls ahead of every NOWPayments alternative and CoinPayments alternative on the market.

Receivables token technology turns your incoming payments into tradeable assets.

What does that mean practically?

Cash flow optimization. Liquidity on demand. Invoice factoring without banks.

Small businesses live and die by cash flow. Larecoin gives you tools the big players have had for years, democratized for everyone.

Fee Comparison: The Bottom Line

Let's talk money.

Traditional processors: 2.9% + $0.30

NOWPayments: 0.5-1%

CoinPayments: 0.5-1%

Larecoin: Slashing fees by 50%+ compared to traditional

On a $10,000 monthly revenue:

• Traditional: ~$320 in fees

• NOWPayments/CoinPayments: ~$75-100 in fees

• Larecoin: Even lower + no custodial risk

That's $2,500+ annually back in your business. Every year. Compounding.

Global Reach Without the Complexity

Small business. Global customer base. Sounds complicated.

It doesn't have to be.

Web3 global payments through Larecoin mean:

• No currency conversion headaches

• No international wire fees

• No waiting 5-7 business days for settlement

• No bank intermediaries blocking transactions

A customer in Tokyo pays you instantly. A customer in Berlin pays you instantly. Same system. Same simplicity.

Who Should Use What?

Choose NOWPayments if:

• You need to accept 300+ cryptocurrencies

• You're comfortable with custodial solutions

• Technical support isn't a priority

Choose CoinPayments if:

• You want an established name

• You only need major coins

• Simplicity outweighs innovation

Choose Larecoin if:

• Self-custody matters to you

• You want NFT receipts for streamlined accounting

• LUSD stability appeals to your business model

• Financial sovereignty is non-negotiable

• You're building for the Web3 economy

Making the Switch

Already using another crypto POS system for small business?

Switching isn't complicated.

Larecoin's merchant portal handles onboarding. Smart wallet integration takes minutes. You can run parallel systems during transition.

No downtime. No lost sales. No headaches.

The Verdict

NOWPayments and CoinPayments serve a purpose. They introduced many merchants to crypto payments.

But they're Web2 thinking applied to Web3 money.

Larecoin is different.

Built native. Built for sovereignty. Built for the future of commerce.

Self-custody merchant accounts. NFT receipts. LUSD stability. Receivables tokens. True financial freedom.

Your small business deserves better than another custodial middleman taking cuts and controlling your funds.

Ready to explore what's possible?

Check out Larecoin's ecosystem and see why merchants are making the switch.

The future of payments isn't coming. It's here.