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

Small business owners are waking up. Traditional payment processors eat into margins. Credit card fees stack up. Chargebacks hurt.

Crypto POS systems offer a way out. But which one actually delivers for small businesses?

Let's break down three major players: NOWPayments, CoinPayments, and Larecoin. Real talk. No fluff.

The Small Business Payment Problem

You're running a small business. Every dollar counts.

Traditional processors charge 2.5-3.5% on every transaction. That's $2,500-$3,500 gone on every $100,000 in revenue. Annually.

Then there's chargebacks. Disputes. Frozen funds. Third parties controlling your cash flow.

Crypto payments promise something different. Lower fees. Faster settlement. True ownership of your funds.

But not all crypto POS systems are created equal.

NOWPayments: The Token Variety Champion

Best for: Tech-savvy merchants who want maximum crypto options.

NOWPayments supports 150+ cryptocurrencies. That's a lot of flexibility.

The Good:

• Non-custodial model (they don't hold your funds)

• Wide token selection

• 0.5-1% processing fees

• No payout fees

The Not-So-Good:

• Requires API integration

• Higher technical barrier to entry

• No native stablecoin

• Complex setup for non-developers

For small business owners without a developer on staff? NOWPayments can feel overwhelming. You'll need technical resources to get it running smoothly.

The fee structure is competitive. Around 40% less than traditional processors. But the setup complexity creates friction for merchants who just want to accept crypto and move on.

CoinPayments: The Simple Choice

Best for: Traditional retailers wanting easy onboarding.

CoinPayments has been around. Brand recognition matters.

The Good:

• Straightforward setup

• Low barrier to entry

• Established reputation

• Optional hardware integration

The Not-So-Good:

• Custodial model (they hold your funds)

• Similar fee structure to NOWPayments

• No NFT receipt capabilities

• Limited Web3 features

Here's the catch with CoinPayments: it's custodial.

That means your funds sit in their system until you withdraw. You're trusting a third party with your money. Sound familiar? That's exactly what you're trying to escape with traditional processors.

For merchants who value true financial independence, custodial solutions miss the point.

Larecoin: The Self-Custody Disruptor

Best for: Merchants who want maximum savings and total control.

Larecoin takes a fundamentally different approach.

The Good:

• Full self-custody through Smart Wallet

• Gas-only transfer model (50%+ fee reduction)

• NFT receipts for accounting

• Built-in LUSD stablecoin

• QR-based setup (no API required)

• No hardware needed

The Not-So-Good:

• Newer platform

• Optimized token selection vs. 150+ options

Let's dig into what makes Larecoin different.

Self-Custody: Your Money, Your Rules

With Larecoin's Smart Wallet, funds go directly to you. No intermediary holding your cash. No waiting for withdrawals. No frozen accounts.

This is merchant freedom in its purest form.

When a customer pays, that payment hits your wallet. Done. You control when and how you access it.

Gas-Only Fees: The Real Savings

Here's where Larecoin crushes the competition.

NOWPayments and CoinPayments charge 0.5-1% processing fees. Better than traditional? Yes. But still a percentage of every transaction.

Larecoin operates on a gas-only model. You pay network transaction costs. That's it.

Real numbers:

• $100,000 monthly revenue

• Traditional processor: $2,500-$3,500 in fees

• NOWPayments/CoinPayments: $500-$1,000 in fees

• Larecoin: Gas costs only (significantly lower)

Over a year, small businesses save thousands. That's real money back in your pocket.

NFT Receipts: Accounting Made Simple

This is innovation you won't find elsewhere.

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

For small business accounting, this is massive. No more digging through payment processor dashboards. No reconciliation headaches. Your transaction history lives on the blockchain.

Tax season? Pull your NFT receipts. Everything documented. Everything transparent.

LUSD: Stability Built In

Crypto volatility scares merchants. Understandably.

Most platforms rely on third-party stablecoins. Larecoin built LUSD directly into the ecosystem.

Accept payment. Convert to LUSD. Lock in value.

No external dependencies. No extra steps. Stability baked into the system.

Setup That Doesn't Require a Developer

NOWPayments needs API integration. That's a barrier for small businesses.

Larecoin uses QR-based payment flows. Set up in minutes. No technical background required. No hardware purchases.

Visit larecoin.com/pay and you're accepting crypto.

The Comparison Table

Feature	NOWPayments	CoinPayments	Larecoin
Custody	Non-custodial	Custodial	Self-custody
Fees	0.5-1%	0.5-1%	Gas only
Cryptos Supported	150+	Multiple	Optimized selection
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	LUSD
Setup Complexity	High (API)	Low	Low (QR-based)
Hardware Required	No	Optional	No

Making the Right Choice for Your Business

Choose NOWPayments if:

• You have developer resources

• Maximum token variety matters more than simplicity

• You're comfortable with technical integration

Choose CoinPayments if:

• Easy onboarding is priority one

• You're okay with custodial solutions

• Brand recognition gives you confidence

Choose Larecoin if:

• Self-custody is non-negotiable

• Maximum fee savings matter

• You want NFT receipts for accounting

• Simple setup without technical overhead appeals to you

• Building a Web3-native business is the goal

The Independence Factor

Let's be real about what's at stake here.

Small businesses get squeezed by payment processors. Fees eat margins. Third parties control cash flow. Disputes drain time and money.

Crypto payments offer an exit. But if you're moving from one custodial system to another, have you really escaped?

Larecoin's self-custody model represents true merchant independence. Your funds. Your wallet. Your terms.

No permission needed to access your own money.

Getting Started

Ready to make the switch?

The Larecoin ecosystem is built for merchants who want freedom without complexity.

Next steps:

1. Check out the Larecoin whitepaper for technical details

2. Set up your Smart Wallet

3. Start accepting payments via QR codes

4. Watch the fee savings stack up

Join the Larecoin community to connect with other merchants making the transition.

The Bottom Line

NOWPayments works for tech-heavy operations with developer support.

CoinPayments works for traditional retailers who want simple and don't mind custodial.

Larecoin works for merchants who want it all: low fees, self-custody, NFT receipts, built-in stablecoin, and simple setup.

For small businesses tired of payment processor squeeze, the choice is clear.

Your business. Your money. Your rules.

That's the Larecoin difference.