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

Small business owners are bleeding money. Every swipe. Every tap. Every transaction.

Traditional payment processors take 2-4% of your hard-earned revenue. Credit card interchange fees alone drain billions from merchants annually. It's a silent tax on your growth.

Crypto POS systems promise relief. But which one actually delivers?

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

The Small Business Payment Problem

Here's the reality. You're paying roughly 2.5-3.5% on every card transaction. On $100,000 in annual sales, that's $2,500-$3,500 gone. Just like that.

Crypto payment processors offer a way out. Lower fees. Faster settlements. No chargebacks.

But not all crypto POS systems are created equal.

NOWPayments: The Multi-Crypto Approach

What they offer:

• 300+ supported cryptocurrencies

• 0.5-1% processing fees

• ~5 minute transaction times

• Non-custodial setup

• API payouts and white-label options

NOWPayments positions itself as a "crypto acceptance layer." Broad token support. Decent fees. Relatively fast processing.

The catch?

More operational responsibility falls on you. Managing 300+ tokens sounds impressive until you're dealing with volatile assets across multiple chains. Price fluctuations can eat into your margins before you even convert to fiat.

No built-in stablecoin solution. No NFT receipts. Limited merchant tools beyond basic payment acceptance.

For small businesses, it's a lot of complexity without proportional benefit.

CoinPayments: The Managed Services Route

What they offer:

• 40+ cryptocurrencies

• 0.5-1% processing fees

• Variable processing times (minutes to hours)

• POS terminals available

• OTC conversion options

CoinPayments takes the opposite approach. Fewer tokens. More managed services. Physical POS terminals.

The catch?

Processing times are inconsistent. "A few minutes to several hours" isn't exactly retail-friendly. When a customer is standing at your counter, waiting hours for confirmation isn't an option.

The curated crypto selection limits customer payment choices. And like NOWPayments, there's no innovative receipt system or dedicated stablecoin infrastructure.

Both platforms charge comparable fees. Both solve part of the interchange problem. Neither goes far enough.

Larecoin: Built Different for Small Business

Here's where things get interesting.

Larecoin wasn't designed as just another crypto payment processor. It's a complete Web3 payments ecosystem engineered specifically for merchant growth and financial sovereignty.

The Larecoin advantage:

50%+ Interchange Fee Savings

Forget 0.5-1%. Larecoin's infrastructure slashes traditional interchange costs by more than half. On that same $100,000 in annual sales? You're keeping thousands more in your pocket.

The math is simple. Lower fees = higher margins = faster business growth.

LUSD Stablecoin: Volatility Solved

This is where Larecoin separates from the pack.

NOWPayments and CoinPayments accept crypto. But they don't solve the volatility problem baked into cryptocurrency transactions. Bitcoin drops 5% while your transaction confirms? That's your loss.

LUSD is Larecoin's native stablecoin. Pegged. Predictable. Perfect for commerce.

Accept payment in LUSD. Know exactly what you're getting. No price swings. No conversion anxiety. Just clean, stable value transfer.

For small businesses running tight margins, this isn't a feature. It's a necessity.

NFT Receipts: The Future of Transaction Records

Every Larecoin transaction generates an NFT receipt.

Why does this matter?

Immutable proof of purchase. No lost paper receipts. No disputed transactions. Every sale is permanently recorded on-chain.

Simplified accounting. Your transaction history lives on the blockchain. Auditable. Transparent. Automatic.

Customer loyalty opportunities. NFT receipts can unlock future discounts, rewards, or exclusive access. Turn every purchase into an engagement touchpoint.

NOWPayments doesn't offer this. CoinPayments doesn't either. Larecoin does.

True Self-Custody: Your Money, Your Control

Here's the uncomfortable truth about most payment processors. They hold your funds. They control your access. They can freeze your account.

Larecoin operates on self-custody principles. Your crypto stays in your wallet until you decide otherwise. No intermediary holding your revenue hostage.

Financial sovereignty isn't just a buzzword. It's protection against platform risk, regulatory overreach, and third-party failures.

Small businesses need resilience. Self-custody provides it.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	50%+ savings vs traditional
Supported Tokens	300+	40+	Multi-chain + LUSD
Stablecoin Solution	❌	❌	✅ LUSD
NFT Receipts	❌	❌	✅
Self-Custody	Partial	❌	✅ Full
Processing Speed	~5 min	Minutes to hours	Fast on Solana
Small Business Focus	Limited	Limited	✅ Core mission

The comparison speaks for itself.

Why Small Businesses Choose Larecoin

Let's get specific.

Coffee shop owner? Accept LUSD. Stable pricing. NFT receipts track every latte sold. No chargeback headaches.

E-commerce store? Integrate Larecoin's merchant portal. Contactless POS ready. Global customers. Local control.

Service provider? Invoice in crypto. Get paid in stablecoins. Keep your funds in your own wallet.

Larecoin's ecosystem includes:

• Smart wallet technology

• Merchant portal with full analytics

• Contactless POS integration

• Cross-chain swap and bridge capabilities

• AI/ML-powered search tools

It's not just payment acceptance. It's complete merchant infrastructure.

The Financial Sovereignty Factor

Small businesses operate in uncertain times. Banking relationships can sour. Payment processors can change terms overnight. Traditional finance wasn't built for your benefit.

Web3 payments flip the script.

With Larecoin, you're not asking permission to access your revenue. You're not waiting for settlement windows. You're not subject to arbitrary holds or freezes.

You're in control.

That's not marketing speak. That's architectural reality. Self-custody means self-determination.

Making the Switch

Ready to stop bleeding interchange fees?

Here's the path forward:

1. Explore the ecosystem at larecoin.com

2. Set up your merchant wallet with self-custody from day one

3. Integrate contactless POS for in-store payments

4. Start accepting LUSD for stability and predictability

5. Watch your margins improve as fees drop

NOWPayments and CoinPayments served their purpose. They proved crypto payments could work for merchants.

Larecoin takes it further. Purpose-built infrastructure. Stablecoin integration. NFT receipts. True self-custody.

For small businesses serious about growth and financial independence, the choice is clear.

The Bottom Line

NOWPayments offers breadth. 300+ tokens. Decent fees. Non-custodial approach.

CoinPayments offers managed simplicity. Fewer tokens. Physical terminals. Variable speeds.

Larecoin offers transformation. 50%+ fee savings. LUSD stability. NFT receipts. Complete self-custody. Merchant-first design.

Your small business deserves more than incremental improvement. It deserves a payment system built for Web3 commerce.

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

Make the smart move. Choose Larecoin.