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

Running a small business in 2026? You're probably tired of watching credit card processors eat 2.5-3.5% of every single sale. That's $12,500 to $17,500 gone on just $500K in annual revenue.

Crypto payment solutions fix that. But which one actually works for your business?

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

No fluff. Just facts.

The Fee Problem Every Small Business Faces

Traditional payment processors have been getting away with highway robbery for decades. Interchange fees. Processing fees. Monthly fees. Chargeback fees.

It adds up fast.

Crypto rails slash those costs dramatically. But not all platforms are created equal.

Here's the real breakdown:

Platform	Fee Rate	Annual Cost on $500K Revenue
Traditional Payment	2.5-3.5%	$12,500-17,500
NOWPayments	0.5-1%	$2,500-5,000
CoinPayments	0.5-1%	$2,500-5,000
Larecoin	Sub-0.5%	Under $2,000

See that bottom line? That's why smart merchants are switching.

NOWPayments: The Multi-Coin Option

NOWPayments has been around the block. They support 300+ cryptocurrencies and 30+ stablecoins. If your customers want to pay in obscure altcoins, this platform handles it.

The Good:

• Massive coin selection

• Non-custodial option available

• Decent e-commerce integrations

• Customizable network fee settings

The Not-So-Good:

• Processing takes around 5 minutes

• Fees still hover at 0.5-1%

• Custodial by default (they hold your funds)

• Limited POS terminal support

NOWPayments works. It's reliable. But "works" isn't exactly groundbreaking in 2026.

CoinPayments: The Legacy Player

CoinPayments is the established name in the space. They've been processing crypto payments since before most people knew what Bitcoin was.

The Good:

• Trusted brand recognition

• 40+ cryptocurrencies supported

• Simple setup process

The Not-So-Good:

• Fully custodial model (they control your funds)

• Processing times vary wildly (minutes to hours)

• Integrations feel outdated

• Same 0.5-1% fee structure

• Innovation has stalled

If you want the "safe" choice from 2018, CoinPayments delivers. But safe doesn't win in Web3.

Larecoin: Built Different

Here's where things get interesting.

Larecoin wasn't built to copy what already existed. It was built to fix what was broken.

Full Self-Custody. Your money hits your wallet. Not a platform wallet. Not an intermediary. Yours. Instantly.

NFT Receipts. Every transaction generates an immutable receipt on-chain. Your accountant will thank you. The IRS can't argue with blockchain records.

Native LUSD Stablecoin. Volatility protection built directly into the ecosystem. Accept crypto, settle in stable value. No third-party conversions needed.

Near-Instant Processing. Solana-based architecture means transactions confirm in seconds. Not minutes. Not hours.

The Self-Custody Difference

This is the biggest decision you'll make when choosing a crypto payment processor.

Custodial platforms (NOWPayments default, CoinPayments) hold your funds. You're trusting them with your money. They release it when they feel like it. They control the keys.

Remember what happened to FTX? Celsius? BlockFi?

Self-custody means you control everything. Larecoin routes payments directly to your wallet. No middleman. No trust required. No "sorry, withdrawals are paused" emails at 2 AM.

For small businesses, this isn't just philosophical. It's practical. Cash flow matters. Waiting 24-72 hours for "settlement" while a platform holds your revenue isn't acceptable.

NFT Receipts: Your New Secret Weapon

Here's something neither NOWPayments nor CoinPayments offers: NFT receipts.

Every Larecoin transaction automatically generates an NFT receipt. That's not a gimmick. That's immutable proof of every sale, stored permanently on-chain.

Why this matters for your business:

• Tax season becomes painless

• Audit trails are bulletproof

• No more "lost receipt" nightmares

• Accounting integrations pull directly from the blockchain

• Dispute resolution has irrefutable evidence

Traditional payment processors give you CSVs and PDFs. Larecoin gives you cryptographic proof.

LUSD: Volatility Protection Built In

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

NOWPayments and CoinPayments rely on third-party stablecoin conversions. Extra steps. Extra fees. Extra risk.

Larecoin's native LUSD stablecoin solves this at the protocol level. Accept any crypto, settle in LUSD automatically. No manual conversions. No volatility exposure. No surprise losses.

For small businesses operating on thin margins, this is game-changing. You know exactly what you're getting from every sale.

US Compliance: Actually Doing It Right

Here's where most crypto payment platforms get sketchy. Regulatory compliance in the United States is complex. MSB registration. State Money Transmitter Licenses. FinCEN requirements.

Many platforms just... ignore it. Or operate in gray areas. Or tell you it's "your responsibility."

Larecoin's approach: Full US compliance strategy. MSB registration. State-by-state MTL licensing. Proper KYC/AML frameworks.

This matters because:

• Your business stays protected

• You're not exposed to regulatory risk

• Customers trust compliant platforms

• Banks won't freeze your accounts

When the regulators come knocking (and they always do), you want a payment processor that has their paperwork in order.

Feature-by-Feature Showdown

Let's make this simple:

Feature	NOWPayments	CoinPayments	Larecoin
Self-Custody	Optional	No	Yes (Default)
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	LUSD
Processing Speed	~5 min	Minutes-Hours	Seconds
Contactless POS	Limited	No	Yes
US Compliance	Partial	Partial	Full MSB/MTL
Merchant Analytics	Basic	Basic	Advanced Dashboard
Fee Structure	0.5-1%	0.5-1%	Sub-0.5%

The comparison speaks for itself.

Which Platform Should You Choose?

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• Your customers pay in obscure altcoins

• You're okay with custodial risk

• 5-minute processing is acceptable

Choose CoinPayments if:

• Brand recognition matters more than innovation

• You want the "established" option

• Speed and features aren't priorities

• You trust third parties with your funds

Choose Larecoin if:

• Self-custody is non-negotiable

• You want the lowest fees in the market

• NFT receipts would simplify your accounting

• Volatility protection matters

• US compliance is essential

• You need near-instant settlement

• Innovation beats legacy

The Bottom Line

Small businesses don't have money to waste on excessive fees. They don't have time to wait for settlements. They can't afford regulatory risk.

NOWPayments and CoinPayments were good solutions for their era. They got crypto payments started.

But it's 2026. The bar is higher.

Larecoin delivers what modern merchants actually need: true self-custody, sub-0.5% fees, NFT receipts for bulletproof accounting, native stablecoin protection, and real US compliance.

Ready to stop overpaying for payment processing?

Get started with Larecoin and keep more of what you earn.