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

Choosing a crypto payment processor isn't just a tech decision. It's a business decision. One that directly impacts your bottom line.

Small businesses don't have margins to waste on unnecessary fees. They need speed. Control. Independence.

So let's break down the three major players: NOWPayments, CoinPayments, and Larecoin.

Which one actually serves your small business best?

The Quick Comparison

Here's what matters most when evaluating crypto POS systems:

• Fees , How much do they take from every sale?

• Speed , How fast do transactions finalize?

• Custody , Who controls your funds?

• Features , What tools help you run your business better?

Let's dig in.

Fee Structure: Where Your Money Actually Goes

Fees eat into profits. Period.

Platform	Fee Model	Annual Cost on $500K Volume
NOWPayments	0.5-1% per transaction	~$3,750
CoinPayments	0.5-1% per transaction	~$3,750
Larecoin	Gas-only transfers	Significantly lower

NOWPayments and CoinPayments both charge percentage-based fees. Sounds small. But it adds up fast.

Processing $10,000 monthly? That's $50-$100 going to your payment processor. Every single month.

Larecoin operates differently.

No percentage fees. You pay only network gas costs on Solana. That's it.

For small businesses watching every dollar, this model changes everything. We're talking 50%+ potential savings compared to traditional crypto processors.

More money stays in your pocket. Not theirs.

Transaction Speed: Time Is Money

Waiting for payment confirmations? That's dead time.

• NOWPayments: ~5 minutes average

• CoinPayments: Minutes to hours (depends on network congestion)

• Larecoin: Sub-second finality

Sub-second. Read that again.

Larecoin runs on Solana. One of the fastest blockchains in existence. Your customer pays. You receive. Done.

No awkward waiting. No "hold on, it's still confirming." Just instant settlement.

For retail environments, food service, or any high-volume operation, speed matters. Customers don't wait. Neither should your payments.

Self-Custody Vs Custodial: Who Controls Your Crypto?

This is where things get real.

Custodial platforms (like NOWPayments and CoinPayments) act as intermediaries. They hold your funds. You trust them to release your money when you want it.

Sound familiar? It should. That's exactly how traditional banks work.

Larecoin flips the script.

Full self-custody. Direct merchant-to-customer transactions. No middleman holding your funds hostage.

Your keys. Your crypto. Your business.

Why does this matter?

• No withdrawal delays

• No platform freezing your account

• No third-party risk

• Complete financial sovereignty

Merchant freedom isn't just a buzzword. It's the entire point of decentralized payments. If your crypto processor controls your funds, you haven't actually escaped traditional finance. You've just changed landlords.

NFT Receipts: The Feature Nobody Knew They Needed

Here's something neither NOWPayments nor CoinPayments offer:

NFT receipts.

Every Larecoin transaction generates an immutable, on-chain receipt. Stored forever on the blockchain.

Why should you care?

Tax documentation. Every transaction is permanently recorded. No lost receipts. No missing records. Your accountant will thank you.

Audit trails. If questions arise, you have verifiable proof of every sale. Timestamped. Immutable. Trustless verification.

Customer records. Buyers can prove purchases without digging through emails. Great for warranties, returns, or loyalty programs.

Standard transaction records from NOWPayments and CoinPayments work. But they're not on-chain. They're not permanent. They're not verifiable by anyone without platform access.

NFT receipts represent the next evolution in business documentation. Larecoin builds this in natively.

LUSD: Native Stablecoin Integration

Crypto volatility scares merchants. Understandably.

You sell a product for $100 in Bitcoin. An hour later, it's worth $92. That's not business. That's gambling.

Stablecoin settlement solves this.

But here's the difference:

• NOWPayments: Integrates third-party stablecoins

• CoinPayments: Limited stablecoin options via external providers

• Larecoin: Native LUSD built directly into the ecosystem

LUSD isn't bolted on. It's baked in.

Native integration means:

• Faster processing

• Lower conversion fees

• Seamless settlement

• No reliance on external stablecoin providers

Accept crypto from customers. Settle in LUSD. Sleep easy knowing your revenue holds its value.

This is how crypto payments should work for real businesses. Volatility protection without the complexity.

Cryptocurrency Support: Quality Over Quantity

NOWPayments supports 300+ cryptocurrencies. CoinPayments offers 40+.

Impressive numbers. But do you actually need 300 payment options?

Most customers pay with a handful of major coins. Bitcoin. Ethereum. Solana. USDC. Maybe a few others.

Larecoin covers the essentials plus native LUSD support. What it lacks in sheer token quantity, it makes up for in ecosystem integration and feature depth.

More tokens doesn't mean better service. It often means more complexity.

For most small businesses, focused functionality beats sprawling token lists every time.

Hardware Requirements: Keep It Simple

Some crypto POS systems require special hardware. Terminals. Card readers. Integration headaches.

All three platforms work without dedicated hardware.

Larecoin uses QR-based payments. Customer scans. Payment sends. Transaction confirms in under a second.

No expensive terminals. No proprietary devices. Just a smartphone or tablet displaying your QR code.

Simple. Accessible. Cost-effective.

Which Platform Fits Your Business?

Different businesses have different needs. Here's the breakdown:

Choose NOWPayments If:

• You need maximum cryptocurrency variety (300+ tokens)

• Feature innovation matters less than token selection

• You're comfortable with custodial solutions

• Transaction speed isn't critical

Choose CoinPayments If:

• Platform stability is your top priority

• You want extensive token support

• Custodial management doesn't concern you

• Standard processing times work for your model

Choose Larecoin If:

• Fee reduction directly impacts profitability

• Self-custody and financial sovereignty matter

• NFT receipts add value for documentation

• Volatility protection through native stablecoin settlement is important

• Sub-second transaction speed improves customer experience

For small businesses fighting for every margin point, Larecoin's gas-only fee model alone justifies serious consideration.

Add self-custody, NFT receipts, native LUSD, and instant finality? The value proposition compounds.

The Bigger Picture: Merchant Independence

This comparison isn't just about features. It's about philosophy.

Traditional payment processors take a cut. Always have. Crypto was supposed to change that.

But many crypto processors replicated the old model. Percentage fees. Custodial holdings. Withdrawal delays. Platform dependency.

Larecoin returns to first principles.

Decentralized. Self-custody. Minimal fees. Maximum merchant control.

That's not just marketing. That's the actual architecture.

Small businesses deserve payment systems that work for them: not against them. Systems that reduce friction instead of adding it. Systems that respect financial independence.

Ready to Make the Switch?

The crypto payments landscape keeps evolving. New options emerge constantly.

But the fundamentals remain:

• Lower fees mean higher profits

• Faster settlements mean better customer experience

• Self-custody means true ownership

• Native features mean deeper integration

Evaluate what matters most for your operation. Run the numbers. Consider the long-term implications.

Your payment processor shouldn't be a silent partner taking a percentage of every sale. It should be infrastructure: invisible, efficient, and working entirely in your favor.

Explore what Larecoin offers for merchants ready to embrace truly decentralized crypto payments. Gas-only fees. Sub-second finality. Full self-custody. NFT receipts. Native LUSD settlement.

Built for businesses that value independence.