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

Small business owners are done with traditional payment processors. The fees are brutal. The chargebacks are relentless. And bank holds? Don't even get me started.

Crypto POS systems are changing the game. But which one actually delivers for small business?

Let's break down NOWPayments, CoinPayments, and Larecoin. No fluff. Just facts.

The Real Cost of Payment Processing

Here's what most merchants don't realize. Traditional processors take 2.5-3.5% of every transaction. That's $25,000-$35,000 annually on $1 million in sales. Gone.

Crypto payment solutions slash those numbers dramatically. But not all platforms are created equal.

The breakdown for a business processing $500,000 annually:

Platform	Estimated Annual Cost
Traditional Processors	~$15,000
NOWPayments/CoinPayments	~$5,000
Larecoin	Under $2,000

That's not a typo. Larecoin's gas-only transfer model can reduce merchant interchange fees by 50% or more compared to even other crypto solutions.

NOWPayments: The Token Maximalist

NOWPayments is the go-to for crypto diversity. Over 300 supported cryptocurrencies. If your customers want to pay in obscure altcoins, this platform has you covered.

Pros:

• Massive token variety

• Non-custodial options available

• Decent API documentation

• Established reputation

Cons:

• 0.5-1% processing fees still add up

• Requires API integration

• Developer resources needed for setup

• Transaction times hover around 5 minutes

• No NFT receipts

• No native stablecoin solution

NOWPayments works well for tech-savvy merchants with developer support. But small businesses without IT departments? The integration complexity becomes a barrier fast.

CoinPayments: The Legacy Player

CoinPayments has been around. That's both its strength and weakness. Stability and reliability come standard. Innovation? Not so much.

Pros:

• Straightforward onboarding

• 40+ cryptocurrencies supported

• Optional POS hardware

• Familiar interface for traditional retailers

Cons:

• Similar 0.5-1% fee structure

• Partial self-custody only

• Transaction times vary wildly (minutes to hours)

• No NFT receipt functionality

• No native stablecoin

• Legacy tech stack showing its age

For merchants transitioning from traditional payment systems, CoinPayments offers a comfortable middle ground. But you're paying for that comfort through fees and limited features.

Larecoin: The Web3 Native Solution

Built from the ground up for modern commerce. Larecoin isn't retrofitting crypto onto old infrastructure. It's reimagining what merchant payments should look like.

The standout features:

Gas-Only Transfer Model No percentage-based fees. You pay network costs. That's it. For high-volume merchants, the savings compound dramatically.

LUSD Stablecoin Benefits Volatility protection built in. Accept crypto without the price swing anxiety. LUSD maintains peg stability while you focus on running your business.

Self-Custody Merchant Accounts Your funds. Your control. The Smart Wallet architecture means no third party holds your revenue. Financial sovereignty isn't just a buzzword here.

NFT Receipts for Accounting Every transaction generates an immutable, on-chain receipt. Audits become straightforward. Tax season becomes manageable. Your accountant might actually smile.

Sub-Second Finality No more waiting 5-10 minutes for confirmation. Transactions settle almost instantly. Customer experience improves. Line speeds increase.

QR-Based Setup No POS hardware required. No developer needed. Generate a QR code. Start accepting payments. Done.

Feature-by-Feature Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Gas only
Cryptocurrency Support	300+	40+	Comprehensive + LUSD
Transaction Speed	~5 minutes	Variable	Sub-second
Self-Custody	Yes	Partial	Yes (Smart Wallet)
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	LUSD built-in
POS Hardware Required	No	Optional	No (QR-based)
Setup Complexity	High (API)	Medium	Low (QR code)
Receivables Token	No	No	Yes

Real-World Cost Scenarios

Let's get specific. A coffee shop processing 200 transactions daily at $15 average:

Monthly volume: $90,000 Annual volume: $1,080,000

Traditional processor (3%): $32,400/year in fees NOWPayments (0.75%): $8,100/year Larecoin (gas only): Approximately $2,000-3,000/year

That $29,000+ difference? That's inventory. That's marketing. That's profit.

For a retail boutique with higher average tickets: say $150: the math becomes even more dramatic at scale.

The Self-Custody Question

Here's where things get philosophical. And practical.

Traditional processors hold your money. Sometimes for days. Sometimes longer if they decide something looks "suspicious." Chargebacks can freeze accounts without warning.

NOWPayments offers non-custodial options. Good start.

CoinPayments provides partial self-custody. Better than nothing.

Larecoin's Smart Wallet delivers complete self-custody merchant accounts. Your revenue flows directly to your wallet. No intermediary holds your funds. No third party can freeze your account.

For merchants prioritizing financial sovereignty and bank-free business operations, this distinction matters enormously.

NFT Receipts: The Accounting Revolution

Traditional receipts? Paper trails. Email archives. Scattered records.

NFT receipts for accounting transform every transaction into a permanent, verifiable, on-chain record. Each receipt carries:

• Transaction amount

• Timestamp

• Parties involved

• Payment method

• Immutable verification

Tax preparation becomes automated. Audit trails become bulletproof. Disputes become resolvable with cryptographic proof.

Neither NOWPayments nor CoinPayments offers this functionality. Larecoin includes it standard.

Who Should Choose What?

Choose NOWPayments if:

• You need maximum token variety (300+)

• You have developer resources for API integration

• Your customers demand obscure altcoin acceptance

• Non-custodial options are priority

Choose CoinPayments if:

• You want familiar, legacy-style interface

• Token variety matters but not critically

• You prefer managed simplicity

• You're comfortable with partial custody

Choose Larecoin if:

• Reducing merchant interchange fees is priority

• Self-custody and financial sovereignty matter

• You want NFT receipts for accounting automation

• LUSD stablecoin benefits appeal to you

• Quick setup without developer resources is essential

• Web3 global payments align with your business vision

The Receivables Token Advantage

Larecoin introduces something neither competitor offers: the receivables token concept.

Your incoming payments become tokenized assets. This opens possibilities for invoice financing, liquidity management, and business operations that traditional payment rails simply can't match.

For growing businesses, this flexibility creates opportunities. For established businesses, it creates efficiency.

Making the Switch

Transitioning from traditional processors feels daunting. It isn't.

Larecoin's QR-based system means you can run parallel payment options. Accept traditional cards while introducing crypto. Gauge customer interest. Scale adoption organically.

No hardware investment. No IT overhaul. No disruption to existing operations.

Ready to explore? The math speaks for itself. The features speak louder.

The Bottom Line

NOWPayments serves the token-diverse merchant with developer support.

CoinPayments serves the cautious adopter wanting familiar territory.

Larecoin serves the forward-thinking small business owner ready to slash fees, embrace self-custody, and leverage Web3 tools like NFT receipts and LUSD stablecoin benefits.

The crypto POS system for small business isn't one-size-fits-all. But for merchants prioritizing savings, sovereignty, and modern infrastructure?

The winner's clear.