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

Small business owners are tired. Tired of 3% swipe fees. Tired of chargebacks. Tired of waiting days for settlement.

Crypto POS systems promise a way out. But which one actually delivers?

Let's break down three major players: NOWPayments, CoinPayments, and Larecoin. No fluff. Just facts you can use to make a decision today.

The Crypto POS Landscape in 2026

Traditional payment processors have had their way with small businesses for decades. Interchange fees eating into margins. Held funds. Mysterious processing delays.

Crypto payment gateways flip that script.

Lower fees. Instant settlement. No middleman holding your money hostage.

But not all crypto POS systems are created equal. Some are glorified wallets. Others actually understand what merchants need.

NOWPayments: The Cryptocurrency Collector

NOWPayments entered the scene with one clear pitch: accept every crypto imaginable.

What They Offer:

• 300+ supported cryptocurrencies

• 30+ stablecoins

• 0.5-1% processing fees

• ~5 minute transaction processing

• Customizable network fee options

For businesses wanting maximum crypto flexibility, NOWPayments delivers. Your customer wants to pay in Dogecoin? Done. Solana? Easy. Some obscure token you've never heard of? Probably supported.

The Catch:

Support quality hovers around 6.9/10 according to user reviews. When something goes wrong: and in crypto, things go wrong: you want responsive help.

Also, 300+ coins sounds impressive. But realistically, how many customers are paying in Ravencoin?

CoinPayments: The Established Player

CoinPayments has been around the block. Literally. They've processed billions in crypto transactions.

What They Offer:

• 40+ cryptocurrencies

• 21+ stablecoins

• 0.5-1% processing fees

• Variable processing times (minutes to hours)

• Crypto-to-fiat settlement options

The Reality Check:

Processing times range from "a few minutes to several hours." That's a massive window for a customer standing at your counter.

Imagine explaining to someone their coffee payment is still "processing" while the line grows behind them.

CoinPayments works better for e-commerce than physical retail. The variable timing just doesn't cut it for in-person transactions.

Larecoin: Built for Merchants First

Here's where things get interesting.

Larecoin wasn't built as a crypto-first solution looking for merchant use cases. It was designed from the ground up for businesses accepting payments.

The Ecosystem:

• LARE: The receivables token powering transactions

• LUSD: Stablecoin pegged to USD for predictable value

• LarePAY: Merchant payment processing

• LareBlocks: The underlying infrastructure

This isn't just a payment gateway. It's a complete financial ecosystem for small businesses entering Web3.

The Fee Structure That Actually Makes Sense

Let's talk money. Because that's why you're here.

Traditional credit card processing costs small businesses 2.5-3.5% per transaction. Some premium cards hit 4%+.

Comparison:

Platform	Processing Fees	Hidden Costs
NOWPayments	0.5-1%	Network fees variable
CoinPayments	0.5-1%	Network fees variable
Larecoin	50% lower than legacy	Transparent gas-only transfers

Larecoin's approach slashes interchange fees by roughly 50% compared to traditional payment processors. That's not marketing speak. That's margin you keep.

For a business doing $100,000 in annual sales, we're talking $1,500-2,000 back in your pocket.

Self-Custody: Why It Matters for Your Business

Here's something most crypto payment providers don't want to discuss: who actually holds your money?

With traditional processors, your funds sit in their accounts until they decide to release them. Chargebacks can freeze funds for months. New accounts face rolling reserves.

NOWPayments and CoinPayments offer direct wallet payouts. That's good.

Larecoin's Smart Wallet takes it further.

Self-Custody Benefits:

• Your keys, your crypto

• No third-party holds on funds

• Instant access to settled payments

• Complete transaction visibility

• No account freezes or surprise holds

The Larecoin Smart Wallet puts merchants in control. Not a corporation. Not a bank. You.

NFT Receipts: The Tax Accountant's Dream

Tax season used to mean boxes of paper receipts or messy spreadsheets.

Larecoin introduced something genuinely clever: NFT receipts.

Every transaction generates an immutable, blockchain-verified receipt. Stored permanently. Instantly accessible. Verifiable by anyone who needs to see them.

For Small Businesses This Means:

• Automatic record-keeping

• Audit-proof documentation

• Simplified tax preparation

• Reduced accounting costs

• No more "lost receipts" panic

Your accountant will send you a thank-you card.

Neither NOWPayments nor CoinPayments offers equivalent functionality. They process payments. Larecoin manages your financial documentation.

QR-Generated POS: Skip the Hardware

Small businesses often balk at crypto payments because of hardware requirements. Traditional POS terminals cost hundreds. Crypto-specific hardware adds more expense.

Larecoin's QR-generated POS eliminates that friction entirely.

How It Works:

1. Generate unique QR code for transaction

2. Customer scans with their wallet

3. Payment confirms in seconds

4. Settlement hits your wallet immediately

No special equipment. No monthly terminal fees. No maintenance contracts.

Use your existing tablet or smartphone. That's your POS now.

For pop-up shops, farmers markets, food trucks, and mobile businesses, this flexibility is game-changing.

Processing Speed Comparison

Time is money. Especially when customers are waiting.

Real-World Speeds:

• NOWPayments: ~5 minutes (45 seconds for TON)

• CoinPayments: Minutes to hours

• Larecoin: Near-instant with gas-only transfers

Larecoin's architecture prioritizes speed. Gas-only transfers mean minimal blockchain congestion delays. Your customer pays, you see it, everyone moves on with their day.

Which One Should You Choose?

Choose NOWPayments if:

• You want maximum cryptocurrency variety

• Your customers pay in obscure tokens

• E-commerce is your primary channel

• You don't mind slower support response

Choose CoinPayments if:

• You prefer established platforms

• Online sales dominate your business

• Processing speed isn't critical

• You value broader name recognition

Choose Larecoin if:

• Minimizing fees is your priority

• You want self-custody of funds

• NFT receipts simplify your accounting

• You need fast in-person transactions

• Hardware costs matter to your bottom line

The Bottom Line for Small Business Owners

Crypto payment adoption isn't slowing down. Your competitors are already exploring these options.

The question isn't whether to accept crypto. It's which platform aligns with your business needs.

NOWPayments offers variety. CoinPayments offers familiarity. Larecoin offers a complete ecosystem built specifically for merchants tired of legacy payment headaches.

Lower fees. Self-custody. Instant settlement. NFT receipts. QR-based POS.

That's not just a payment processor. That's financial infrastructure for the next decade of commerce.

Ready to cut your payment processing costs in half? Check out the full Larecoin ecosystem at larecoin.com and see what merchant-focused crypto payments actually look like.

Your margin will thank you.