NOWPayments Vs CoinPayments Vs Larecoin: Which Crypto POS System Wins for Small Business?

Small business owners are done with banks. Done with the fees. Done with the chargebacks. Done with waiting days for settlements.

The crypto POS system market is heating up. Three names keep popping up: NOWPayments, CoinPayments, and Larecoin.

But which one actually delivers for small businesses looking to reduce merchant interchange fees and take control of their revenue?

Let's break it down.

The Problem With Traditional Payment Processing

Credit card processors eat 2.5% to 3.5% of every transaction. For a small business doing $500K annually, that's $12,500 to $17,500 gone. Poof.

Then add chargebacks. Fraud disputes. Rolling reserves. Account freezes.

Crypto payments solve this. But not all crypto POS systems are created equal.

NOWPayments: The 300+ Coin Giant

NOWPayments is the CoinPayments alternative that crypto veterans know well.

What they offer:

• 300+ cryptocurrencies supported

• Non-custodial by default

• 24/7 live chat support

• Customizable fee structures

• API integrations for developers

The non-custodial model means funds go directly to your wallet. No middleman holding your money.

Processing fees hover around 0.5% to 1%. Significantly better than Visa or Mastercard.

The catch?

NOWPayments has limitations with advanced analytics. Larger businesses struggle with corporate financial system integrations. And managing 300+ coins creates complexity most small merchants don't need.

For mom-and-pop shops? Overwhelming.

CoinPayments: The Easy Button

CoinPayments markets itself as the simple solution.

What they bring:

• 40+ cryptocurrency support

• WooCommerce, Shopify, Magento integrations

• Custodial model (they hold funds)

• Mass payouts feature

• 0.5% processing fees

Setup takes minutes. Connect your e-commerce platform. Start accepting crypto.

The problem?

Custodial means they control your money. You're trusting a third party, exactly what crypto was designed to eliminate.

No self-custody merchant accounts. No true financial sovereignty. And limited support for emerging Web3 features like NFT receipts for accounting.

For small businesses wanting bank-free business operations? CoinPayments still feels like a bank.

Larecoin: The Web3 Native Solution

Here's where things get interesting.

Larecoin isn't just another crypto payment processor. It's a complete Web3 global payments ecosystem built specifically for merchants who want control.

Core features that matter:

Self-Custody From Day One

Your keys. Your coins. Your business.

Larecoin's self-custody merchant accounts mean no third party ever touches your revenue. Funds settle directly to your wallet. No frozen accounts. No arbitrary holds. No asking permission to access your own money.

This is financial sovereignty for small business.

LUSD Stablecoin Benefits

Volatility kills adoption. Merchants can't budget when Bitcoin swings 10% overnight.

Larecoin solves this with LUSD, a stablecoin pegged to the dollar. Accept any crypto. Settle in stable value.

LUSD stablecoin benefits include:

• Predictable revenue

• Easy accounting

• No volatility stress

• Instant settlement

NFT Receipts for Accounting

This is the game-changer.

Traditional crypto transactions create accounting nightmares. Which wallet? Which transaction? When did it settle?

Larecoin issues NFT receipts for every transaction. Immutable. Verifiable. Automatically categorized.

NFT receipts for accounting mean:

• Audit-ready records on-chain

• No lost paperwork

• Instant transaction verification

• Simplified tax reporting

Your accountant will thank you.

The Receivables Token

Larecoin introduces the receivables token concept. Transform future payments into tradeable assets.

Need cash flow today? Tokenize tomorrow's receivables. This unlocks liquidity options traditional payments can't touch.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Self-Custody	✅	❌	✅
Stablecoin Settlement	Limited	Limited	✅ LUSD
NFT Receipts	❌	❌	✅
Processing Fees	0.5-1%	0.5%	Lower
Coins Supported	300+	40+	Multi-chain
Small Business Focus	Medium	High	High
Web3 Native	Partial	❌	✅
Bank-Free Operations	Partial	❌	✅

Why Larecoin Wins for Small Business

Let's get specific.

Slashing Fees by 50%+

Traditional payment processing: 2.5-3.5%

Standard crypto processors: 0.5-1%

Larecoin's approach reduces merchant interchange fees even further. When you control the infrastructure, you control the costs.

For a small business processing $300K annually:

• Traditional cards: $7,500-$10,500 in fees

• Standard crypto: $1,500-$3,000

• Larecoin: Even less

That's money back in your pocket.

Global Reach, Zero Borders

Selling internationally? Traditional payment processors make it painful. Currency conversions. International fees. Declined cards.

Larecoin enables Web3 global payments. A customer in Tokyo pays the same way as a customer in Toronto. No borders. No currency headaches. No declined transactions because their bank blocked international purchases.

No Bank Required

This is the future.

Bank-free business operations mean:

• No merchant account applications

• No credit checks

• No processing history requirements

• No surprise account terminations

Open your wallet. Connect to Larecoin. Accept payments.

That's it.

The Technical Edge

Larecoin builds on Solana. That means:

• Sub-second transactions

• Minimal gas fees

• Scalable infrastructure

• Cross-chain capabilities

The crypto checkout integrates cleanly with existing systems. No ripping out your current setup.

The merchant dashboard gives real-time visibility into every transaction. Track sales. Monitor settlements. Export reports.

What About the Competition?

NOWPayments works for crypto-native businesses that want maximum coin options and don't mind complexity.

CoinPayments works for merchants who prioritize simplicity over sovereignty and trust third-party custody.

Larecoin works for small businesses who want:

• True self-custody

• Reduced fees

• Modern Web3 features

• Simple setup

• Global capability

If you're looking for a NOWPayments alternative with better small business focus, or a CoinPayments alternative with self-custody, Larecoin checks those boxes.

Getting Started

Ready to modernize your payment stack?

1. Visit Larecoin Payments

2. Set up your self-custody merchant account

3. Integrate with your existing checkout

4. Start accepting crypto with NFT receipts

No banks. No middlemen. No permission required.

The Bottom Line

The crypto POS system for small business market has evolved. First-generation solutions like CoinPayments brought simplicity but sacrificed sovereignty. Second-generation options like NOWPayments added self-custody but created complexity.

Larecoin represents the third generation. Web3 native. Merchant focused. Built for financial sovereignty without the technical headaches.

For small businesses ready to reduce merchant interchange fees, embrace self-custody merchant accounts, and leverage innovations like NFT receipts for accounting: the choice is clear.

The future of payments isn't asking banks for permission.

It's building your own path.