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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% on every single transaction. That's thousands of dollars vanishing every year.

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

Today we're putting three major players head-to-head: NOWPayments, CoinPayments, and Larecoin. By the end, you'll know exactly which platform fits your business needs.

Let's break it down.

The Real Cost of Payment Processing

Here's the math that keeps merchants up at night.

At $500,000 annual volume with traditional card processing at 3%? You're losing $15,000 per year. Just in fees.

Crypto payment processors promise significant savings. But the devil's in the details.

Not all crypto POS systems are created equal. Some still skim hefty percentages. Others lock your funds in custodial wallets. And many lack the features modern merchants actually need.

Larecoin Crypto Payments Ecosystem

Meet The Contenders

NOWPayments

Established in 2019. Solid track record. Supports 300+ cryptocurrencies.

The go-to choice for businesses wanting maximum token flexibility. Their fee structure runs 0.4–1% per transaction. Not bad. But not groundbreaking either.

CoinPayments

The legacy player. Known for platform stability and broad cryptocurrency variety.

Fees hover around 0.5–1%+. They've been around long enough to build trust. But their integrations feel dated. The interface hasn't evolved much.

Larecoin

The new challenger built for the Web3 era.

Larecoin focuses on what matters most: slashing interchange fees by 50%+, full self-custody, and innovative features like NFT receipts. Built on Solana for near-instant settlement.

Fee Comparison: Where Your Money Actually Goes

Let's talk numbers.

Platform

Processing Fees

Annual Cost at $500K Volume

NOWPayments

0.4-1%

~$2,000–$5,000

CoinPayments

0.5-1%+

~$2,500–$5,000

Larecoin

Significantly lower

Under $2,000

Traditional processors? They'd charge $12,500–$17,500 at that same volume.

All three crypto options beat traditional payment rails. But Larecoin takes it further: claiming 50%+ savings compared to competitors.

For a small business operating on tight margins? That difference matters. A lot.

Self-Custody: Who Actually Owns Your Money?

This is where things get real.

NOWPayments offers non-custodial options. But they retain some custodial features. Your funds might pass through their infrastructure before reaching you.

CoinPayments operates primarily as a custodial service. They hold your crypto. You trust them to release it.

Larecoin provides full self-custody. Period.

Funds go directly to your wallet. No middleman. No waiting. No counterparty risk.

Larecoin decentralized applications

In Web3, the mantra is simple: not your keys, not your crypto.

Why would you accept payments only to hand custody to a third party? That defeats the entire purpose of decentralized finance.

Larecoin gets this. Merchants maintain complete control from transaction to settlement.

Processing Speed: Time Is Money

Speed comparison breakdown:

  • NOWPayments: Averages ~5 minutes per transaction

  • CoinPayments: Ranges from minutes to hours

  • Larecoin: Near-instant settlement via Solana infrastructure

For retail environments? Five minutes feels like an eternity. Customers don't want to wait. Neither do you.

Solana processes 65,000+ transactions per second. Larecoin leverages that speed to deliver settlements in seconds: not minutes.

The LUSD Advantage: Volatility Protection Built In

Crypto's biggest merchant headache? Price volatility.

You accept $100 in Bitcoin. Ten minutes later, it's worth $95. Or $105. Who knows?

NOWPayments and CoinPayments let you convert to stablecoins. Standard stuff.

Larecoin goes further with native LUSD stablecoin integration.

LUSD provides:

  • Instant volatility protection

  • Seamless conversion within the ecosystem

  • No third-party stablecoin dependencies

  • Full integration with Larecoin's merchant tools

Accept crypto. Settle in LUSD. Eliminate volatility risk. Simple.

NFT Receipts: The Feature You Didn't Know You Needed

Here's where Larecoin truly separates from the pack.

Every transaction generates an NFT receipt. Immutable. On-chain. Permanent.

Why does this matter?

For accounting: No more lost receipts. No more disputed transactions. Every payment exists as a verifiable blockchain record.

For customers: Proof of purchase that can't be faked or altered. Premium transparency.

For disputes: Instant resolution. The blockchain doesn't lie.

Neither NOWPayments nor CoinPayments offers anything comparable. They're still operating in the Web2 mindset: centralized records, traditional receipt systems.

Larecoin builds for the future.

Astronaut with Larecoin Token

Cryptocurrency Support: Quality Over Quantity

NOWPayments supports 300+ tokens. Impressive on paper.

CoinPayments offers 40+. More selective.

Larecoin provides comprehensive support with strategic focus.

Here's the truth: most merchants don't need 300 obscure tokens. They need the major players: Bitcoin, Ethereum, Solana, major stablecoins: processed efficiently and cheaply.

Larecoin prioritizes the tokens your customers actually use. Plus native LUSD integration for merchants who want ecosystem benefits.

More isn't always better. Better is better.

Integration & Setup

Getting started matters.

NOWPayments offers solid e-commerce plugins. WooCommerce, Shopify, Magento. Standard fare for the industry.

CoinPayments has similar integrations. Though many feel outdated. Legacy code shows its age.

Larecoin brings a modern merchant portal with built-in analytics. Contactless POS options. Smart wallet integration. Tools built for 2026, not 2016.

The difference? Actually seeing what your crypto payments are doing for your business. Real-time insights. Actionable data.

Who Should Choose What?

Let's cut to it.

Choose NOWPayments if:

  • You need access to 300+ tokens

  • You prefer an established 2019 platform

  • Standard transaction processing meets your needs

  • Non-custodial options (with caveats) work for you

Choose CoinPayments if:

  • Platform longevity matters most

  • You want maximum cryptocurrency variety

  • You're comfortable with custodial services

  • Legacy integrations suit your existing setup

Choose Larecoin if:

  • Fee reduction is critical to your profitability

  • You require full self-custody control

  • Volatility protection through LUSD appeals to you

  • NFT receipts and modern features match your vision

  • Near-instant settlement improves your operations

  • You want merchant growth tools built for Web3

The Bottom Line

All three platforms beat traditional payment processing. That's table stakes in 2026.

The real question: what does your small business actually need?

If you want the absolute maximum cryptocurrency variety and don't mind some custodial compromise, NOWPayments and CoinPayments both deliver functional solutions.

But if you're serious about:

  • Slashing fees by 50%+

  • Maintaining full self-custody

  • Eliminating volatility risk

  • Future-proofing with NFT receipts

  • Getting near-instant settlements

Then Larecoin is built exactly for you.

Financial sovereignty isn't just a buzzword. It's the entire point of Web3 payments.

Why accept crypto if you're still handing control to intermediaries? Why save on fees if you're losing on custody? Why modernize payments if you're using yesterday's tools?

Larecoin answers all three questions. One platform. Full control. Maximum savings.

Larecoin logo

Ready to see what real crypto payment processing looks like?

 
 
 

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