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

Small business owners. You're tired of legacy payment processors eating into your margins. You've heard the buzz about crypto POS systems. Now you're wondering which one actually delivers.

Three names keep popping up: NOWPayments, CoinPayments, and Larecoin.

Let's break it down. No fluff. Just the facts you need to make the smartest choice for your business.

The Crypto POS Landscape in 2026

Traditional payment processing is bleeding small businesses dry. Interchange fees. Service charges. Hidden costs. It adds up fast.

Crypto POS systems promise a way out. Lower fees. Faster settlements. Global reach.

But not all platforms are created equal.

NOWPayments: The Multi-Coin Veteran

What they offer:

• 300+ supported cryptocurrencies

• 0.5-1% processing fees

• Non-custodial options available

• API integrations and invoicing tools

NOWPayments has been around the block. Literally. Their strength lies in sheer coin variety. If your customers want to pay with obscure altcoins, they've probably got you covered.

The catch? You're still looking at that 0.5-1% fee structure. And while they offer non-custodial setups, the configuration can get technical. Small business owners without dedicated IT resources often struggle.

Best for: Businesses with crypto-native customers demanding niche token support.

CoinPayments: The Traditional Approach

What they offer:

• 40+ supported cryptocurrencies

• 0.5% processing fee

• Custodial wallet management

• POS terminal hardware options

CoinPayments takes a more hands-off approach. They handle the wallet security. They manage compliance headaches. You just collect payments.

The catch? Custodial means they hold your funds. Not your keys, not your crypto. And that 40+ coin limit might feel restrictive as the market evolves.

Best for: Businesses wanting a managed solution without diving deep into crypto mechanics.

Larecoin: The Small Business Game-Changer

Here's where things get interesting.

Larecoin wasn't built as another crypto payment gateway. It was engineered specifically for small business owners who want to slash costs and own their financial future.

What Larecoin offers:

• 50% reduction in interchange fees vs legacy systems

• Full self-custody through the Larecoin Smart Wallet

• QR-generated POS: no expensive hardware needed

• NFT receipts for seamless tax and accounting

• Complete ecosystem: LUSD stablecoin, LarePAY, LareBlocks

Let's unpack why this matters.

The Fee Showdown: Where Larecoin Crushes It

Platform	Processing Fee	Hidden Costs	Real Savings
NOWPayments	0.5-1%	Network fees vary	Moderate
CoinPayments	0.5%	Custodial limitations	Moderate
Larecoin	Gas-only transfers	Minimal	Up to 50% vs legacy

Traditional credit card processors charge 2-3% per transaction. That's thousands of dollars annually for even modest sales volumes.

NOWPayments and CoinPayments cut that down. But Larecoin takes it further with gas-only transfers through the LUSD ecosystem.

Translation: More money stays in your pocket.

Self-Custody: Why It Actually Matters

CoinPayments holds your crypto. They manage it. They control access.

NOWPayments offers non-custodial options, but setup requires technical know-how.

Larecoin? The Smart Wallet puts you in complete control.

Your keys. Your crypto. Your business assets secured exactly how you want them.

No third-party risk. No waiting for withdrawals. No wondering if a platform issue will freeze your funds.

For small businesses operating on tight cash flow, this isn't a luxury. It's essential.

NFT Receipts: The Innovation Your Accountant Will Love

This is where Larecoin pulls ahead of every competitor.

Every transaction generates an NFT receipt.

Why does this matter?

• Immutable proof of purchase on the blockchain

• Automatic categorization for tax season

• No more lost paper receipts or corrupted CSV files

• Audit-ready documentation built into every sale

Your accountant will actually thank you. Maybe even send a gift basket.

NOWPayments? Standard receipt systems. CoinPayments? Traditional invoicing. Larecoin? Web3-native accounting infrastructure.

QR-Generated POS: Ditch the Hardware

Traditional POS terminals cost money. Monthly fees. Hardware leases. Maintenance contracts.

CoinPayments offers hardware options. More expenses on your balance sheet.

Larecoin's QR-generated POS works differently.

Generate a QR code. Customer scans. Payment processed.

No hardware required. Works from any device. Deploy in minutes, not weeks.

Perfect for:

• Pop-up shops

• Farmers markets

• Food trucks

• Service businesses

• Anywhere you need flexibility

The Larecoin Ecosystem Advantage

Here's what the other platforms can't match: a complete, integrated ecosystem.

LUSD Stablecoin Volatility concerns? LUSD provides price stability while keeping you in the crypto economy.

LarePAY Streamlined payment processing designed for speed and simplicity.

LareBlocks The infrastructure layer powering the entire ecosystem. Fast. Secure. Scalable.

NOWPayments and CoinPayments are payment gateways. Useful tools.

Larecoin is an entire financial ecosystem built for businesses ready to operate in Web3.

Feature Comparison: The Full Picture

Feature	NOWPayments	CoinPayments	Larecoin
Supported Coins	300+	40+	LARE, LUSD + major cryptos
Custody Model	Non-custodial (complex setup)	Custodial	Self-custody (Smart Wallet)
POS Solution	Software-based	Hardware + Software	QR-generated (no hardware)
Receipt System	Standard	Traditional invoicing	NFT receipts
Fee Savings vs Legacy	50-70%	50-70%	Up to 50%+
Ecosystem	Payment gateway only	Payment gateway only	Full DeFi ecosystem

Who Should Choose What?

Choose NOWPayments if:

• You need 300+ coin support

• Your customers demand obscure altcoins

• You have technical resources for setup

Choose CoinPayments if:

• You want a managed, hands-off solution

• Hardware POS terminals fit your setup

• You're comfortable with custodial services

Choose Larecoin if:

• Slashing fees is your top priority

• Self-custody and security matter

• You want NFT receipts for easy accounting

• Flexibility and mobile POS options are essential

• You're building a future-proof business in Web3

The Bottom Line

Small businesses need every competitive advantage.

NOWPayments and CoinPayments serve their purpose. They're decent tools for accepting crypto.

But Larecoin delivers something different. An ecosystem. A philosophy. A complete infrastructure for businesses ready to stop paying unnecessary fees and start controlling their own financial destiny.

50% savings on interchange. Self-custody through the Smart Wallet. NFT receipts that revolutionize your accounting. QR-based POS that works anywhere.

Ready to see the difference?

Explore Larecoin and discover what crypto payments should actually look like for your small business.