NOWPayments Vs CoinPayments Vs Larecoin: Which Is Better For Your Crypto POS System?

Choosing the right crypto POS system can make or break your business.

Interchange fees eating into your margins? Tired of custodial platforms holding your funds hostage? Looking for a real NOWPayments alternative or CoinPayments alternative?

You're in the right place.

Let's break down three major players in the crypto payment space. We'll compare features, fees, and future-readiness. By the end, you'll know exactly which platform fits your business.

Spoiler: One of these isn't like the others.

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The Contenders: A Quick Snapshot

NOWPayments

Established crypto payment processor. Supports 300+ cryptocurrencies. Non-custodial model. Popular among online merchants.

Best for: Digital businesses needing wide token support.

CoinPayments

Veteran in the space. Supports 40+ cryptocurrencies. Offers hardware POS terminals. More of an end-to-end merchant solution.

Best for: Traditional retail needing physical hardware.

Larecoin

Next-generation Web3 global payments solution. Self-custody merchant accounts. NFT receipts for accounting. LUSD stablecoin integration. Receivables token ecosystem.

Best for: Forward-thinking merchants who want financial sovereignty and dramatically lower fees.

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Feature-by-Feature Breakdown

Supported Cryptocurrencies

NOWPayments: 300+ tokens. 30+ stablecoins. Massive selection.

CoinPayments: 40+ tokens. 21 stablecoins. Covers the essentials.

Larecoin: Full crypto support plus native LUSD stablecoin. The LUSD stablecoin benefits include instant settlement, zero volatility risk, and seamless integration with the Larecoin ecosystem.

Here's the thing. More isn't always better.

Most merchants only need a handful of popular coins. What matters is how those payments get processed. And what happens to your money afterward.

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Transaction Fees: Where It Really Counts

This is where things get interesting.

NOWPayments: 0.5-1% processing fee. Customizable network fee options. Zero payout fees.

CoinPayments: 0.5-1% processing fee. Standard network fees. Zero payout fees.

Larecoin: Dramatically reduced fees. We're talking 50%+ savings on merchant interchange fees compared to traditional processors.

Let that sink in.

If you're processing $100,000 monthly, traditional payment processors take $2,000-3,000 in fees. Credit card interchange alone crushes small businesses.

Larecoin's model? Built to reduce merchant interchange fees at their core. Gas-only transfers. No middleman markups. Your money stays your money.

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Custody Model: Who Controls Your Funds?

This is the question that separates Web2 from Web3.

NOWPayments: Non-custodial. You maintain control. But limited ecosystem features.

CoinPayments: More custodial approach. They handle complexity. You sacrifice control.

Larecoin: True self-custody merchant accounts. Your keys. Your crypto. Your rules.

Self-custody merchant accounts aren't just a feature. They're a philosophy.

With Larecoin, you're not asking permission to access your revenue. No frozen accounts. No arbitrary holds. No bank-like gatekeeping.

Financial sovereignty for merchants isn't a buzzword here. It's the foundation.

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NFT Receipts: The Game-Changer Nobody's Talking About

Here's where Larecoin leaves the competition in the dust.

NOWPayments: Standard digital receipts. Nothing special.

CoinPayments: Traditional receipt system. Works fine.

Larecoin: NFT receipts for accounting. Every transaction minted as a verifiable, immutable record on-chain.

Why does this matter?

For Merchants:

• Tamper-proof transaction records

• Automated reconciliation

• Audit-ready documentation

• No more receipt disputes

For Accountants:

• Verifiable purchase history

• Simplified tax preparation

• Blockchain-backed authenticity

• Streamlined compliance

NFT receipts for accounting transform how businesses handle record-keeping. No more lost receipts. No more "he said, she said." Just immutable truth on the blockchain.

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The LUSD Advantage

Volatility kills crypto adoption for merchants. Nobody wants to accept $100 in crypto and have it worth $85 by morning.

Enter LUSD.

Larecoin's native stablecoin solves the volatility problem while keeping you in the crypto ecosystem. LUSD stablecoin benefits include:

• Price stability: Pegged value eliminates conversion anxiety

• Instant settlement: No waiting for confirmations

• Ecosystem integration: Works seamlessly with Larecoin's POS and merchant portal

• Lower fees: Skip the crypto-to-fiat conversion costs

Accept payments in any crypto. Settle in LUSD. Sleep soundly.

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POS Capabilities Compared

Running a physical store? Here's what each platform offers.

NOWPayments:

• Software POS systems

• API integrations

• Plugins and widgets

• No hardware terminals

CoinPayments:

• Software POS

• Hardware POS terminals

• End-to-end setup

• Traditional retail focus

Larecoin:

• Contactless POS system

• Merchant portal dashboard

• Smart wallet integration

• Receivables token support

• Web3-native architecture

The crypto POS system for small business needs to be simple. Larecoin's contactless POS handles in-person payments without the complexity. Connect your smart wallet. Accept payments. Done.

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The Receivables Token: Revenue as an Asset

This is unique to Larecoin.

The receivables token transforms your future revenue into a tradeable asset. Think invoice factoring, but decentralized and instant.

How it works:

1. Generate receivables from sales

2. Tokenize those receivables

3. Access liquidity without waiting for settlement

4. Maintain full transparency on-chain

For growing businesses, cash flow is everything. The receivables token turns expected income into working capital: without banks, without loans, without begging.

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Head-to-Head Comparison Table

Feature	NOWPayments	CoinPayments	Larecoin
Cryptocurrencies	300+	40+	Full support + LUSD
Processing Fees	0.5-1%	0.5-1%	50%+ lower than traditional
Custody Model	Non-custodial	Custodial-leaning	True self-custody
NFT Receipts	❌	❌	✅
Native Stablecoin	❌	❌	✅ LUSD
Hardware POS	❌	✅	Contactless
Receivables Token	❌	❌	✅
Merchant Portal	Basic	Standard	Advanced Web3

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Who Should Use What?

Choose NOWPayments if:

• You need maximum token variety

• You're primarily online

• You want non-custodial without extra features

Choose CoinPayments if:

• You need physical hardware terminals

• You prefer managed solutions

• Traditional retail is your focus

Choose Larecoin if:

• You want to slash interchange fees by 50%+

• Financial sovereignty matters to you

• NFT receipts for accounting sound appealing

• You're building a bank-free business

• Global reach with Web3 infrastructure is the goal

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The Bottom Line

NOWPayments and CoinPayments are solid. They work. They've been around.

But they're Web2 thinking applied to Web3 technology.

Larecoin is different.

Built from scratch for the decentralized future. Self-custody merchant accounts that keep you in control. NFT receipts that revolutionize accounting. LUSD stablecoin that eliminates volatility fear. Receivables tokens that unlock cash flow.

And fees that don't bleed you dry.

Looking for a real NOWPayments alternative? A genuine CoinPayments alternative? Something built for where crypto payments are going: not where they've been?

Explore Larecoin today and see what Web3 global payments actually look like.

Your business deserves better than legacy crypto infrastructure.

Time to upgrade. 🚀