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

Small business owners are bleeding money. Traditional payment processors charge 2.5-3.5% per transaction. That's $12,500 annually on $500K revenue. Gone.

Crypto POS systems change the game. But which one actually delivers?

Let's break down three contenders: NOWPayments, CoinPayments, and Larecoin. No fluff. Just facts.

The Fee Battle: Where Your Money Actually Goes

Here's the truth about reducing merchant interchange fees:

Platform	Processing Fee	Annual Cost on $500K Revenue
Traditional Card	2.5%	~$12,500
NOWPayments	0.5-1%	~$3,750
CoinPayments	0.5-1%	~$3,750
Larecoin	Gas-only model	Under $2,000

NOWPayments and CoinPayments offer identical fee structures. Nothing revolutionary there.

Larecoin operates differently. Gas-only transfers mean you're paying blockchain network costs, not middlemen taking a cut.

That's potentially 50%+ savings over traditional processors. Real money back in your pocket.

Custody Models: Who Controls Your Money?

This matters more than most merchants realize.

NOWPayments: Non-Custodial

Funds go directly to your wallet. No intermediary holding your cash. Established since 2019 with proven infrastructure.

CoinPayments: Custodial

They hold your funds before settlement. You're trusting a third party with your revenue. For some businesses, that's a dealbreaker.

Larecoin: Full Self-Custody

Direct merchant-to-customer transactions. Your self-custody merchant account means zero counterparty risk. You control everything.

Financial sovereignty isn't just a buzzword. It's operational security.

Processing Speed: Time Is Money

How fast do you get paid?

• NOWPayments: ~5 minutes average

• CoinPayments: Minutes to hours (variable, and that variability is a red flag)

• Larecoin: Near-instant settlement on Solana

For retail scenarios, five minutes works. For high-volume operations? Every second counts.

Larecoin's Solana integration enables Web3 global payments without the wait. Transactions confirm in seconds, not minutes.

Cryptocurrency Support: Flexibility Matters

NOWPayments

• 300+ cryptocurrencies

• 30+ stablecoins

• Customizable network fees

CoinPayments

• 2,000+ cryptocurrencies

• Basic integrations

• Wide but shallow support

Larecoin

• Comprehensive crypto support

• Native LUSD stablecoin

• Smart wallet functionality

• NFT receipts for every transaction

CoinPayments wins on raw numbers. But quantity doesn't equal quality.

The LUSD Advantage: Stability Without Banks

Here's where Larecoin gets interesting.

LUSD stablecoin benefits include:

• Price stability pegged to USD

• No bank account required

• Instant cross-border payments

• Zero currency conversion headaches

Running a bank-free business operation sounds impossible. It's not. LUSD enables merchants to accept crypto, hold stable value, and operate globally, all without traditional banking relationships.

For merchants in underbanked regions? Game-changing.

NFT Receipts: Accounting Revolutionized

This is unique to Larecoin.

Every transaction generates an NFT receipt. Why does this matter?

For Accounting:

• Immutable transaction records

• Blockchain-verified timestamps

• Automatic audit trails

• No lost paper receipts

For Customers:

• Proof of purchase that can't be altered

• Collectible transaction history

• Warranty verification built-in

NFT receipts for accounting transform bookkeeping from a nightmare into a streamlined process. Your accountant will thank you.

Traditional POS systems can't match this. Neither can NOWPayments or CoinPayments.

Feature Breakdown: Side-by-Side

Feature	NOWPayments	CoinPayments	Larecoin
Self-Custody	Yes	No	Yes
Processing Speed	~5 min	Variable	Near-instant
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	LUSD
Smart Wallet	No	No	Yes
Established Track Record	Since 2019	Yes	Newer
Fee Model	Percentage	Percentage	Gas-only

The Right Choice For Your Business

Choose NOWPayments if:

You want proven infrastructure with minimal learning curve. Non-custodial security. Straightforward fee savings. Works for most retail scenarios without major operational changes.

It's a solid NOWPayments alternative to traditional processors. Safe. Reliable. Boring in the best way.

Choose CoinPayments if:

Maximum cryptocurrency support is your priority. You're okay with custodial holding. You can tolerate variable processing times.

The 2,000+ coin support impresses crypto-native customers. But the custodial model and inconsistent speeds are legitimate concerns for any CoinPayments alternative comparison.

Choose Larecoin if:

You're Web3-native. You want maximum fee reduction. Self-custody isn't negotiable. You value innovation over tradition.

The receivables token system, NFT receipts, and LUSD integration represent the future of merchant payments. Newer infrastructure, yes: but built for where commerce is heading.

Real Talk: What The Research Shows

Independent analysis matters. Most Larecoin comparisons come from Larecoin's own marketing.

But the numbers don't lie. Gas-only transfers mathematically cost less than percentage-based fees. Self-custody objectively reduces counterparty risk. NFT receipts provide immutable records that traditional systems cannot.

For established businesses wanting low-risk adoption, NOWPayments' operational history since 2019 provides comfort.

For forward-thinking merchants ready to embrace Web3 global payments infrastructure, Larecoin offers capabilities competitors simply don't have.

Making The Switch: What It Takes

NOWPayments Setup:

• API integration or plugins

• Connect your wallet

• Start accepting payments

CoinPayments Setup:

• Create account

• Complete verification

• Configure settlement options

Larecoin Setup:

• Smart wallet creation

• Connect to contactless POS

• Access merchant portal

All three offer reasonably straightforward onboarding. Larecoin's smart wallet system adds functionality but requires learning new workflows.

The Bottom Line

Traditional payment processing is expensive. All three platforms slash those costs.

NOWPayments delivers reliable, non-custodial payments with proven track record.

CoinPayments offers maximum coin variety with custodial trade-offs.

Larecoin pushes boundaries with gas-only fees, NFT receipts, LUSD stability, and true self-custody merchant accounts.

Your choice depends on your priorities:

• Risk tolerance: Go with established players

• Cost optimization: Gas-only wins

• Innovation appetite: Larecoin's feature set leads

Small businesses deserve better than 2.5% fees. Crypto POS systems for small business deliver exactly that.

The question isn't whether to switch. It's which platform matches your vision.

Ready to explore what Larecoin can do for your business? Visit larecoin.com and see the future of merchant payments.