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

You want to accept crypto at your small business. Smart move.

But the POS system you choose? That decision shapes everything. Your fees. Your control. Your independence.

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

Each promises to make crypto payments simple. Each has a different philosophy. And one of them could save you thousands in fees while giving you features the others simply don't offer.

Let's break it down.

The Quick Comparison

Before we dive deep, here's what you need to know at a glance:

Feature	CoinPayments	NOWPayments	Larecoin
Custody Model	Custodial	Non-custodial option	Full self-custody
Cryptocurrencies	40+	300+	Comprehensive
Processing Time	Minutes to hours	~5 minutes	Near-instant
Processing Fees	0.5-1%	0.5-1%	50%+ lower
Network Fee Control	No	Yes	Yes
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	LUSD

Numbers don't lie. But let's unpack what these actually mean for your business.

CoinPayments: The Legacy Player

CoinPayments has been around. Serving 117,000+ merchants globally. That's credibility.

But here's the catch.

Custodial by default. Your crypto sits in their wallets. Not yours. You're trusting a third party with your money. Sound familiar? It should. That's exactly what crypto was supposed to fix.

Limited coins. 40+ cryptocurrencies. Sounds like a lot until you realize how fast the space moves. Your customers might want to pay with tokens CoinPayments doesn't support.

Processing times are unpredictable. Minutes to hours. In crypto, that's a lifetime. Price volatility can eat into your margins while you wait.

No network fee customization. You get what you get. No control over gas fees during high-congestion periods.

CoinPayments works. It's stable. But stable doesn't mean innovative. And in 2026, that matters.

NOWPayments: The Middle Ground

NOWPayments stepped up the game. Non-custodial options. 300+ cryptocurrencies. Better integrations.

For many small businesses, it checks the boxes.

Direct wallet payments. Transactions hit your wallet directly. No waiting for withdrawals. That's a win for cash flow.

Broad crypto support. 300+ coins. 30+ stablecoins. Your customers have options.

~5 minute processing. Consistent. Reliable. You know what to expect.

Flexible integrations. REST API. Plugins. Webhooks. QR-based POS. Whatever your setup, it probably works.

But here's where it falls short.

Fees still sit at 0.5-1%. Standard industry rates. Nothing special.

No NFT receipts. Your transactions are just... transactions. No added value. No customer engagement hook.

No native stablecoin ecosystem. You're at the mercy of external stablecoin providers and their policies.

NOWPayments is solid. Proven. But it's playing defense, not offense.

Larecoin: Built for Merchant Freedom

Here's where things get interesting.

Larecoin wasn't built to copy what already exists. It was built to solve the problems that CoinPayments and NOWPayments left on the table.

Full self-custody. Period. Your keys. Your crypto. Your rules. No intermediaries holding your funds. No withdrawal delays. No counterparty risk.

This isn't just a philosophy. It's protection. When exchanges freeze accounts or payment processors change their terms overnight, self-custody merchants keep operating.

50%+ lower processing fees. Read that again. Half the cost. For a small business doing $10,000 in monthly crypto transactions at 1% fees, that's $50/month back in your pocket. $600/year. On $100,000 monthly volume? $6,000 annually.

Fees compound. Lower fees compound in your favor.

Near-instant processing. Not minutes. Near-instant. Volatility risk? Minimized. Customer experience? Optimized.

Network fee control. You decide how to handle gas fees. High congestion? Adjust accordingly. Your margins, your call.

NFT Receipts: A Game-Changer Nobody Else Offers

This is Larecoin's secret weapon.

Every transaction can generate an NFT receipt. Immutable. Verifiable. Collectible.

Why does this matter?

For accounting: Permanent, blockchain-verified proof of every sale. No disputes. No questions.

For customer loyalty: Turn receipts into engagement. Exclusive perks for holders. Gamified shopping experiences. A reason to come back.

For brand building: Your transactions become memorable. Unique. Shareable.

CoinPayments? No NFT receipts. NOWPayments? No NFT receipts. Larecoin? Standard feature.

This isn't a gimmick. It's infrastructure for the next generation of merchant-customer relationships.

LUSD: The Native Stablecoin Advantage

Stablecoin volatility concerns? Larecoin solved it.

LUSD is Larecoin's native stablecoin. Built specifically for the ecosystem. Optimized for merchant use cases.

Why this matters:

• Predictable settlements. Dollar-pegged stability without leaving the ecosystem.

• Lower conversion friction. No jumping between platforms to access stable value.

• Ecosystem synergy. LUSD integrates seamlessly with Larecoin's POS, wallet, and merchant tools.

When you accept payments and want to hold stable value, LUSD keeps everything streamlined. One ecosystem. One set of tools. Maximum efficiency.

Self-Custody: The Freedom Merchants Deserve

Let's talk about what "self-custody" actually means for your daily operations.

No frozen funds. Third-party processors can freeze your account for vague "terms violations." With self-custody, your crypto is yours the moment it arrives.

No withdrawal delays. Custodial platforms make you wait. Days, sometimes. Self-custody means instant access.

No KYC surprises. Some processors demand extensive documentation before releasing funds. Self-custody eliminates that bottleneck.

No platform dependency. If a processor shuts down or changes direction, self-custody merchants keep moving. Your business doesn't depend on someone else's decisions.

This is merchant freedom. Real independence. The whole point of decentralized payments.

The Real Cost of "Standard" Fees

Let's do the math.

CoinPayments and NOWPayments charge 0.5-1%. Industry standard. Sounds reasonable until you scale.

Monthly Volume	1% Fee	Larecoin (~0.5% or less)	Annual Savings
$5,000	$50	$25 or less	$300+
$25,000	$250	$125 or less	$1,500+
$100,000	$1,000	$500 or less	$6,000+

That "small" percentage? It adds up fast. Lower fees mean higher margins. Higher margins mean a healthier business.

And with Larecoin's 50%+ fee reduction, you're not giving away profit to processors who add no extra value.

Which One Should You Choose?

Choose CoinPayments if:

• You need maximum stability and don't mind limitations

• You're comfortable with custodial solutions

• Basic functionality is enough

Choose NOWPayments if:

• You want broad cryptocurrency support

• Non-custodial options matter to you

• You need reliable ~5 minute processing

• Standard fees are acceptable

Choose Larecoin if:

• Self-custody is non-negotiable

• Fee savings directly impact your bottom line

• NFT receipts align with your customer engagement strategy

• You want native stablecoin integration with LUSD

• Near-instant processing improves your operations

• Merchant freedom and independence matter

The Bottom Line

NOWPayments and CoinPayments served their purpose. They brought crypto payments to merchants when few options existed.

But the space evolved. Merchant needs evolved. And Larecoin was built for where crypto payments are going: not where they've been.

Lower fees. Full self-custody. NFT receipts. Native LUSD stablecoin. Near-instant processing.

These aren't incremental improvements. They're fundamental advantages.

Your small business deserves a crypto POS system that respects your independence, protects your margins, and gives you tools competitors don't offer.

Ready to see the difference?

Explore the Larecoin ecosystem and join the community discussion to connect with merchants already making the switch.

The future of crypto payments is decentralized. Self-custodied. Merchant-first.

That future is Larecoin.