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

Crypto POS systems aren't all created equal.

You're running a small business. Every percentage point matters. Every fee adds up. And every minute waiting for settlement is cash flow stuck in limbo.

So which crypto payment processor actually delivers for merchants who need to slash fees, maintain control, and operate globally?

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

No fluff. Just facts.

The Fee Reality Check

Here's where most small business owners start, and rightfully so.

Processing fees eat into your margins. Traditional card processors charge 2-3% per transaction. Crypto was supposed to fix that.

Platform	Fee Rate	Annual Cost (on $500K revenue)
NOWPayments	0.5-1%	~$3,750
CoinPayments	0.5-1%	~$3,750
Larecoin	Gas-only model	Under $2,000

That's a difference of over $1,750 annually on just half a million in revenue.

For a small business doing $10,000 monthly? NOWPayments and CoinPayments will run you $75-100 in fees. Larecoin? Significantly less with no custodial risk attached.

The math is simple. Lower fees mean more money stays in your pocket.

Custody: Who Actually Holds Your Money?

This is where things get serious.

When you accept crypto payments through a custodial service, someone else controls your funds. They hold your revenue until they decide to release it. That's not financial sovereignty. That's dependency.

NOWPayments offers both custodial and non-custodial options. Originally custodial. Flexibility exists, but you need to configure it correctly.

CoinPayments operates primarily as a custodial platform. Your funds sit in their system. Limited control. Limited autonomy.

Larecoin is built on self-custody from the ground up. Payments go directly to your wallet. No intermediary touches your revenue. Ever.

For small businesses tired of banks and third parties controlling their cash flow, self-custody isn't a feature. It's a requirement.

Transaction Speed: Time Is Money

Waiting hours for settlement? That's a 2019 problem.

• NOWPayments: ~5 minutes average

• CoinPayments: Minutes to hours (variable)

• Larecoin: Near-instant (sub-second finality on Solana)

Sub-second finality changes everything for retail environments.

Customer pays. You see it. Done.

No "pending" status. No refreshing dashboards. No wondering if the payment actually went through while your customer stands there awkwardly.

Larecoin leverages Solana's architecture for this speed advantage. Traditional crypto payment processors simply can't match it.

Stablecoin Settlement: The Volatility Solution

Accepting Bitcoin is cool until it drops 15% before you can convert it.

Smart merchants want stablecoin settlement. Predictable. Stable. Accountable.

NOWPayments and CoinPayments rely on third-party solutions for stablecoin conversion. Additional steps. Additional fees. Additional complexity.

Larecoin offers native LUSD integration. Built-in. Seamless. One ecosystem.

LUSD stablecoin benefits include:

• No volatility exposure

• Instant settlement

• Simplified accounting

• Direct fiat off-ramps

You accept crypto. You receive stable value. Simple.

Feature Comparison: Beyond Basic Payments

Here's where modern Web3 solutions separate from legacy platforms.

Feature	NOWPayments	CoinPayments	Larecoin
Cryptocurrency Support	300+	40+	Comprehensive
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	Yes (LUSD)
Setup Complexity	High	Low	Low
Self-Custody	Optional	No	Default
Contactless POS	Limited	No	Yes

NFT Receipts: Your New Secret Weapon

Traditional receipts get lost. Paper fades. Digital copies disappear into email oblivion.

NFT receipts for accounting solve this permanently.

Every transaction generates an immutable, on-chain record. Auditable. Verifiable. Forever accessible.

For tax season? Game-changer. For dispute resolution? Bulletproof. For professional record-keeping? Industry-leading.

NOWPayments doesn't offer this. CoinPayments doesn't either. Only Larecoin brings this Web3-native feature to small business merchants.

Integration That Actually Works

NOWPayments has decent plugins but setup complexity is high. Technical expertise required.

CoinPayments offers simpler setup but outdated integrations. Legacy infrastructure shows its age.

Larecoin delivers contactless POS hardware plus modern API access. Built for 2026, not 2018.

Self-custody merchant accounts don't require IT teams to implement. Connect your wallet. Start accepting payments. That's it.

Global Reach Without The Banking Hassle

Small businesses going global face a nightmare of banking relationships, currency conversions, and compliance paperwork.

Web3 global payments eliminate the middlemen.

A customer in Tokyo pays a merchant in Toronto. No correspondent banks. No 3-5 business day delays. No SWIFT fees eating into margins.

Larecoin's receivables token infrastructure means your money moves as fast as the internet: because it literally runs on it.

This is bank-free business operations in action.

The NOWPayments Alternative Argument

NOWPayments has built a solid reputation. 300+ cryptocurrencies. Established reliability. AML compliance features for merchants who need them.

But it comes at a cost.

Higher fees. Custodial defaults. Slower settlement. No NFT receipts. No native stablecoin.

If you're looking for a NOWPayments alternative that actually advances your business, the comparison favors Larecoin on nearly every metric that matters to small business owners.

The CoinPayments Alternative Argument

CoinPayments was an early mover. Simple setup earned it adoption.

But "early" doesn't mean "best" anymore.

Outdated integrations. Custodial-only model. Limited modern features. The crypto payment landscape has evolved. CoinPayments hasn't kept pace.

As a CoinPayments alternative, Larecoin offers everything merchants actually need in 2026: low fees, self-custody, instant settlement, and Web3-native features like NFT receipts.

Which Crypto POS System Wins?

Let's be direct.

Choose NOWPayments if:

• You need 300+ cryptocurrency support

• AML compliance is non-negotiable

• You're comfortable with higher fees for established reliability

Choose CoinPayments if:

• Setup simplicity is your only priority

• You don't mind custodial arrangements

• Legacy infrastructure doesn't concern you

Choose Larecoin if:

• Reducing merchant interchange fees matters

• Self-custody is a requirement, not an option

• You want NFT receipts for accounting

• LUSD stablecoin benefits appeal to your business model

• Sub-second settlement times improve your operations

• Web3 global payments unlock new customer bases

For small businesses prioritizing financial sovereignty, fee reduction, and modern features: Larecoin delivers what the others can't.

Ready To Make The Switch?

The crypto POS system for small business you choose today shapes your operations for years.

Lower fees compound. Self-custody protects. Speed delights customers.

Explore what Larecoin offers merchants who refuse to settle for legacy infrastructure.

Your business deserves payment technology built for the future( not maintained from the past.)