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

Small business owners are done with payment processor fees eating into their margins.

The solution? Crypto POS systems.

But here's the problem. Not all crypto payment platforms are built equal. Some lock up your funds. Others charge hidden fees. A few still require clunky hardware setups.

Three names keep coming up in the conversation: NOWPayments, CoinPayments, and Larecoin.

Which one actually delivers for small business? Let's break it down.

The Real Cost of Payment Processing

Traditional payment processors charge 2.5% to 3.5% per transaction.

On $100,000 in monthly revenue, that's $2,500 to $3,500 disappearing every month. Gone. Just like that.

NOWPayments and CoinPayments drop that to 0.5% to 1%. Better. But still adds up.

Larecoin takes a different approach. Gas-only transfers. No percentage fees. No hidden charges. Just the minimal blockchain transaction cost.

The math is simple:

• Traditional processors on $10,000/month: ~$300 in fees

• NOWPayments/CoinPayments: ~$50-100 in fees

• Larecoin: Gas costs only

Estimated annual savings with Larecoin: $2,500+ on modest volume.

For a small business, that's real money. That's inventory. Marketing. Growth capital.

Feature-by-Feature Breakdown

Here's where it gets interesting.

Feature	NOWPayments	CoinPayments	Larecoin
Custody Model	Non-custodial	Custodial	Self-custody via Smart Wallet
Token Support	150+	Limited	Optimized selection
NFT Receipts	No	No	Yes
Native Stablecoin	Third-party	Third-party	LUSD
Setup Complexity	High (API required)	Low (plug-and-play)	Low (QR-based)
Hardware Required	No	Optional	No

Each platform serves different priorities. Let's dig deeper.

The Custody Question: Who Holds Your Crypto?

This is the big one.

CoinPayments uses a custodial model. They hold your funds. Convenient? Sure. But you're trusting a third party with your business revenue.

NOWPayments goes non-custodial. Funds move directly to your wallet. Better for control and auditability. Enterprise-grade security.

Larecoin takes self-custody to the next level. The Smart Wallet system means you maintain complete financial sovereignty. No intermediary. No permission needed. Your keys. Your crypto.

For merchants who got into crypto for independence and freedom, that distinction matters.

A lot.

NFT Receipts: The Game-Changer Nobody Expected

Here's something neither NOWPayments nor CoinPayments offers.

NFT receipts.

Every transaction on Larecoin can generate a unique, verifiable NFT receipt. Stored on-chain. Immutable. Permanent.

Why does this matter for small business?

Accounting becomes automatic. No more digging through spreadsheets. Every transaction has a blockchain-verified timestamp and record.

Dispute resolution gets simple. Customer claims they never received a product? Pull up the NFT receipt. Verification complete.

Tax compliance streamlines. When your accountant asks for records, hand them a wallet address. Everything's there. On-chain. Auditable.

This isn't a gimmick. It's infrastructure for the future of commerce.

LUSD: Stability Without Sacrificing Decentralization

Price volatility kills merchant adoption.

Accept Bitcoin on Monday. Watch it drop 15% by Friday. That's not sustainable for small business cash flow.

NOWPayments and CoinPayments rely on third-party stablecoins. USDT. USDC. Functional, but you're trusting external issuers.

Larecoin built LUSD natively into the ecosystem.

Native stablecoin integration means:

• Seamless conversion at point of sale

• No additional bridging required

• Reduced smart contract risk

• Consistent pricing for customers

Merchants can quote prices in LUSD. Accept payments in LUSD. Settle in LUSD. No surprises.

Setup and Integration: Getting Started Fast

Small business owners don't have time for complex API integrations.

NOWPayments requires technical setup. API documentation. Developer involvement. Great for enterprises. Not ideal for the coffee shop owner who just wants to accept crypto.

CoinPayments offers plug-and-play simplicity. Lower barrier to entry. But you're trading control for convenience with their custodial model.

Larecoin splits the difference perfectly.

QR-based payments. No hardware required. No complex integrations. A customer scans. Pays. Done.

The Larecoin merchant portal handles everything. Track transactions. Manage settlements. Monitor revenue. All from one dashboard.

Setup takes minutes. Not days.

Who Should Choose What?

Let's make this practical.

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• Enterprise-grade control and auditability matter

• You have technical resources for API integration

• You're running Web3 treasury operations

Choose CoinPayments if:

• Brand recognition and establishment matter

• You prefer managed services over self-management

• Simplicity trumps innovation for your use case

• Custodial solutions don't concern you

Choose Larecoin if:

• Self-custody and financial sovereignty are non-negotiable

• You want NFT receipts for automated accounting

• Maximum fee savings drive your decision

• You're building for Web3-native business models

• You value merchant freedom and independence

The Bigger Picture: Merchant Freedom

Here's what this really comes down to.

Traditional payment processors treat merchants as middlemen. Take their cut. Move on.

Most crypto payment platforms simply replaced one intermediary with another. Different branding. Same dependency.

Larecoin builds for actual independence.

• Your funds. Your wallet. Your control.

• Gas-only transfers eliminate percentage-based extraction.

• NFT receipts create merchant-owned transaction records.

• LUSD provides stability without external dependencies.

This isn't just a payment processor. It's infrastructure for a new economic model.

One where small businesses keep more of what they earn. Where financial sovereignty isn't just a buzzword. Where merchant freedom actually means something.

The Verdict

NOWPayments works for enterprises needing massive token variety and audit trails.

CoinPayments works for merchants prioritizing simplicity over sovereignty.

Larecoin wins for small businesses who want it all. Low fees. Self-custody. NFT receipts. Native stablecoin. Easy setup. No compromises.

The crypto payment space keeps evolving. Small businesses need partners who evolve with them.

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Ready to keep more of your revenue? Explore the Larecoin ecosystem and see what merchant freedom actually looks like.