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

Choosing a crypto payment processor for your small business in 2026 feels like picking a phone plan. Too many options. Confusing fee structures. And everyone claims to be "the best."

Let's cut through the noise.

NOWPayments. CoinPayments. Larecoin. Three major players. Three different approaches. One clear winner for small businesses that actually want to keep more of their money.

Here's the breakdown.

The Quick Comparison: What You Need to Know

Before diving deep, let's establish the basics.

NOWPayments launched as a non-custodial payment gateway supporting 300+ cryptocurrencies. Solid reputation. Decent features. Processing fees hover around 0.5-1%.

CoinPayments has been around since 2014. Supports 40+ cryptocurrencies. Same fee range. Integrates with Shopify and WooCommerce. Reliable but limited.

Larecoin takes a completely different approach. Built as a receivables token ecosystem with LUSD stablecoin, LarePAY merchant tools, and LareBlocks infrastructure. Slashes interchange fees by 50% compared to legacy payment systems.

Already seeing the difference?

Fee Structures: Where Your Money Actually Goes

Small businesses obsess over margins. Rightfully so. Every percentage point matters when you're grinding.

NOWPayments: 0.5-1% processing fees. Customizable network-fee options let you absorb or blend network costs. No service fees for payouts. Not bad.

CoinPayments: Same 0.5-1% range. Less flexibility on network fees. What you see is what you get.

Larecoin: Here's where things get interesting. The ecosystem is designed around receivables tokens, meaning transactions cost significantly less than traditional card networks. We're talking about cutting interchange fees by 50% versus legacy systems like Visa and Mastercard.

Think about that. Traditional card processing eats 2.5-3.5% of every transaction. Larecoin's approach? Dramatically lower. For a small business processing $50,000 monthly, that's potentially $500+ back in your pocket. Every month.

Cryptocurrency Support: Flexibility vs. Focus

More isn't always better. But sometimes it is.

NOWPayments: 300+ cryptocurrencies. 30+ stablecoins. Massive selection. Great if your customers pay in obscure altcoins.

CoinPayments: 40+ cryptocurrencies. 21 stablecoins. Limited but covers the essentials.

Larecoin: Strategic support through the LARE token and LUSD stablecoin. The ecosystem includes swap and bridge functionality, meaning customers can pay however they want, conversions happen seamlessly.

The real question: Do your customers actually pay in 300 different cryptocurrencies? Probably not. Most small businesses see 90% of crypto payments in Bitcoin, Ethereum, and stablecoins. Larecoin's focused approach handles these efficiently while eliminating complexity.

Self-Custody: Who Controls Your Crypto?

This matters more than most business owners realize.

NOWPayments: Non-custodial. You control your funds. Smart.

CoinPayments: Custodial elements. Your crypto sits in their wallets until you move it. Risky.

Larecoin Smart Wallet: True self-custody with built-in merchant tools. Your keys. Your crypto. Your control. The Smart Wallet integrates directly with LarePAY for seamless transactions while you maintain complete ownership.

Self-custody isn't just a buzzword. It's protection against exchange hacks, platform shutdowns, and regulatory freezes. In 2026, if you're not controlling your own crypto, you're doing it wrong.

The POS Experience: How Payments Actually Work

Let's talk about what happens at checkout.

NOWPayments: API-based invoicing. White-label options. Manual or automated processing. Functional but requires technical setup.

CoinPayments: Similar API structure. Pre-built plugins for major e-commerce platforms. Easier for non-technical users.

Larecoin's QR-Generated POS: Dead simple. Generate a QR code. Customer scans. Payment confirmed. No complex integrations. No expensive hardware. Works on any device.

For small businesses, especially retail, food service, and service providers, this simplicity is everything. You don't need a developer. You don't need expensive terminals. You need payments that work.

NFT Receipts: The Tax Advantage Nobody Talks About

Here's where Larecoin genuinely innovates.

NOWPayments and CoinPayments generate standard transaction records. Fine for basic bookkeeping. Terrible for tax season complexity.

Larecoin's NFT receipt system creates immutable, blockchain-verified records of every transaction. Why does this matter?

For accounting: Every receipt lives on-chain. Permanent. Verifiable. No lost paperwork.

For tax compliance: Your accountant will thank you. Every transaction timestamped and documented automatically.

For audits: Prove any transaction instantly. No digging through email confirmations or CSV exports.

This isn't a gimmick. It's infrastructure for the future of business accounting.

Integration and Ecosystem: The Bigger Picture

Payment processing doesn't exist in a vacuum.

NOWPayments: Focused purely on payment processing. Does one thing. Does it reasonably well.

CoinPayments: E-commerce integrations. Shopping cart plugins. Still limited to payment acceptance.

Larecoin Ecosystem: LarePAY handles merchant payments. LareBlocks provides the underlying infrastructure. LUSD offers stablecoin stability. The Larecoin ecosystem connects merchants, customers, and DeFi opportunities in one platform.

Need liquidity pools? Available. Want to swap between chains? Built-in. Looking for merchant-specific tools? The merchant portal handles it.

One ecosystem. Multiple revenue streams. Zero platform hopping.

Support and Resources

Small businesses need help. Quickly.

NOWPayments: No phone support. Email and documentation only. Problem at 2 AM? Good luck.

CoinPayments: Better documentation. Established since 2014. More community resources available.

Larecoin: Active community through forums, direct support channels, and comprehensive documentation. Check the official announcements for updates. Join discussions in the Larecoin updates forum.

The Verdict: Which Crypto POS System Wins?

Let's be direct.

Choose NOWPayments if: You need to accept 300+ cryptocurrencies and don't mind higher complexity. Good for crypto-native businesses with technical resources.

Choose CoinPayments if: You want plug-and-play e-commerce integration and don't need cutting-edge features. Reliable but basic.

Choose Larecoin if: You want to slash fees by 50%, maintain true self-custody, and future-proof your business with NFT receipts and ecosystem tools. Best for small businesses prioritizing margins and innovation.

The math is simple. Lower fees. Better tools. Self-custody. An ecosystem that grows with your business.

Small businesses don't have room for payment processor bloat. Every dollar matters. Every transaction counts.

Larecoin gets that.

Next Steps

Ready to stop overpaying for payment processing?

1. Explore the Larecoin ecosystem

2. Set up your Smart Wallet

3. Generate your first QR-based POS

4. Start accepting crypto with 50% lower fees

Your margins will thank you.