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

Running a small business in 2026? You're probably sick of watching payment processors eat into your margins.

Traditional processors charge 2.5-3.5% per transaction. That's brutal.

Crypto POS systems promise a way out. But which one actually delivers?

Let's break down NOWPayments, CoinPayments, and Larecoin. Side by side. No fluff.

The Real Cost of Payment Processing

Here's the math that keeps small business owners up at night:

$10,000 monthly revenue with traditional processors = ~$320 in fees

That's $3,840 per year. Gone. Just for the privilege of accepting customer payments.

Crypto payment gateways slash those numbers. But they're not all created equal.

Provider	Fee Structure	Monthly Cost on $10K Revenue
Traditional Processors	2.5-3.5%	~$320
NOWPayments	0.5-1%	~$75-100
CoinPayments	0.5-1%	~$75-100
Larecoin	Gas-only transfers	Network fees only

NOWPayments and CoinPayments both hover around that 0.5-1% range. Solid improvement.

But Larecoin? Gas-only model. You pay network fees. That's it.

On $10,000 monthly volume, we're talking potential savings of 50%+ compared to traditional processors.

Self-Custody: Who Actually Controls Your Money?

This is where things get interesting.

CoinPayments: Custodial. They hold your funds. You're trusting a third party with your revenue.

NOWPayments: Offers both options. Non-custodial sends funds directly to your wallet. Optional custody for operational balances.

Larecoin: Full self-custody. Period. Funds hit your wallet immediately. No middleman sitting on your money.

For small businesses that value independence? Self-custody isn't optional. It's essential.

Think about it. Why escape traditional banking fees just to hand control to another intermediary?

Larecoin's architecture puts you in the driver's seat. Your keys. Your coins. Your business.

Learn more about why self-custody matters for merchants.

Transaction Speed: Time Is Money

Your customer scans. They pay. How long until you see those funds?

NOWPayments: Approximately 5 minutes per transaction.

CoinPayments: Minutes to hours. Varies based on network congestion and coin type.

Larecoin: Sub-second finality. Near-instant.

Why the massive speed difference?

Larecoin runs on Solana. That means transactions finalize in under a second. Not minutes. Not hours.

For retail environments? Speed matters. Customers don't want to wait. Neither do you.

The Feature Breakdown

Here's where each platform really separates itself:

Cryptocurrency Support

• NOWPayments: 300+ cryptocurrencies

• CoinPayments: 40+ cryptocurrencies

• Larecoin: Comprehensive crypto support + native LUSD stablecoin

NFT Receipts

NOWPayments? No. CoinPayments? No. Larecoin? Yes.

This is a game-changer for accounting. Every transaction generates an NFT receipt. Immutable. On-chain. Perfect for tax documentation and audit trails.

No more digging through spreadsheets. Your receipts live on the blockchain.

Native Stablecoin (LUSD)

NOWPayments and CoinPayments don't offer native stablecoins.

Larecoin built LUSD directly into the ecosystem. Why does this matter?

• Avoid volatility during settlement

• Instant conversion without leaving the platform

• Seamless merchant payouts

For small businesses worried about crypto price swings? LUSD removes that anxiety.

POS Hardware Requirements

NOWPayments: No hardware required CoinPayments: Optional hardware Larecoin: QR-based system. No hardware needed.

Skip the expensive terminal. A smartphone or tablet handles everything.

Integration: How Easy Is Setup?

Let's be real. You're running a business. You don't have time for complex integrations.

NOWPayments offers plugins for major e-commerce platforms. WooCommerce. Shopify. The usual suspects. Generally smooth setup.

CoinPayments also provides platform integrations. Though some users report the interface feels dated. Backend can be clunky.

Larecoin provides:

• Merchant portal with real-time analytics

• API access for custom builds

• Contactless POS terminal support

• QR-based checkout for physical retail

The merchant portal alone is worth attention. Real-time transaction monitoring. Revenue tracking. All in one dashboard.

Check out Larecoin's merchant solutions for full details.

Compliance and AML Considerations

If your business requires strict compliance monitoring, here's what you need to know:

NOWPayments has built strong AML compliance tools. Detailed monitoring. Reporting features.

CoinPayments offers standard compliance features.

Larecoin focuses on decentralized, self-custody solutions. Less reliance on intermediary compliance: more control in your hands.

Different strokes for different businesses. Know your regulatory requirements.

The Real-World Scenario

Let's paint a picture.

You run a coffee shop. Average transaction: $8. Monthly transactions: 1,200.

Traditional processor: $288/month in fees NOWPayments/CoinPayments: $72-96/month Larecoin: Network gas fees only

That's potentially $2,400+ back in your pocket annually with Larecoin.

But it's not just about fees.

With Larecoin's sub-second transactions, your morning rush doesn't bottleneck at checkout.

NFT receipts automatically log every sale. Tax season? Already documented.

LUSD settlement means you're not sweating Bitcoin's price action.

Which Platform Fits Your Business?

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• AML compliance is a priority

• 5-minute transaction times work for your model

Choose CoinPayments if:

• You want a proven, established platform

• 40+ coins covers your customer base

• You're okay with custodial holding

Choose Larecoin if:

• Fee savings are your top priority

• Self-custody is non-negotiable

• You want sub-second transaction speed

• NFT receipts appeal for accounting

• LUSD stablecoin settlement makes sense

For small businesses focused on independence, lower costs, and cutting-edge features?

Larecoin delivers.

The Bottom Line

Traditional payment processors are bleeding small businesses dry. That's not news.

Crypto POS systems offer relief. But the details matter.

NOWPayments and CoinPayments cut fees significantly. Both solid options.

Larecoin goes further. Gas-only model. Full self-custody. Instant finality. NFT receipts. Native stablecoin.

It's built for merchants who want complete control over their payment infrastructure.

No intermediaries holding your funds. No percentage-based fees eating margins. No waiting around for settlement.

Just your business. Your money. Your way.

Ready to slash your interchange fees and take back control? Explore Larecoin's ecosystem and see what merchant freedom actually looks like.

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Related Reading:

• NOWPayments vs Larecoin: Which Actually Slashes Your Fees?

• CoinPayments vs Larecoin: The Full Breakdown

• How to Reduce Merchant Interchange Fees by 50%