NOWPayments Vs CoinPayments Vs Larecoin: Which Is Better For Your Small Business?

Small business owners. You're bleeding money on payment processing fees.

Traditional processors charge 2.5-3.5% per transaction. Sometimes more. That's thousands of dollars walking out the door every year.

Crypto payment solutions fix this. But which one?

Today we're breaking down three major players: NOWPayments, CoinPayments, and Larecoin. Each has strengths. Each has trade-offs. Let's find your perfect fit.

The Fee Problem (And Why Crypto Solves It)

Here's the math that keeps small business owners up at night.

$100,000 monthly revenue. Traditional processor at 2.9% + $0.30 per transaction. You're losing approximately $3,000-$3,500 every single month.

That's $36,000-$42,000 annually. Gone.

Crypto payment processors slash these costs dramatically. We're talking 0.5-1% fees. Some platforms charge only gas fees for transfers.

On that same $100,000 monthly revenue? You save $2,500-$3,500 every month. Real money back in your pocket.

NOWPayments: The Crypto Maximalist's Choice

NOWPayments caters to businesses wanting maximum cryptocurrency diversity.

The Good:

• 300+ cryptocurrencies supported

• 0.5-1% processing fees

• No payout fees

• Customizable network fees

• Recurring subscription support

• Enterprise-grade auditability

The Trade-offs:

• Custodial model (they hold your funds)

• High setup complexity

• Requires API integration and developer resources

• Steeper learning curve for non-technical merchants

NOWPayments works brilliantly for Web3 treasuries. Marketplaces. Businesses with dedicated dev teams.

For the average small business owner? The technical overhead becomes a barrier.

CoinPayments: The Legacy Player

CoinPayments has been around. Brand recognition matters here.

The Good:

• Established reliability

• Straightforward onboarding

• 0.5-1% flat rate fees

• Low to medium setup complexity

• Basic crypto acceptance without the fuss

The Trade-offs:

• Custodial model (again, they control your funds)

• Limited token support compared to competitors

• Legacy platform feel

• Fewer innovative features

CoinPayments suits businesses wanting crypto acceptance without bells and whistles. Simple. Reliable. Gets the job done.

But "gets the job done" isn't exactly revolutionary.

Larecoin: The Financial Sovereignty Play

Here's where things get interesting.

Larecoin approaches crypto payments differently. The core philosophy: your money should stay your money.

The Good:

• Self-custody merchant accounts (you control your funds)

• 50%+ fee reduction compared to legacy systems

• Gas-only transfers

• NFT receipts for accounting and tax documentation

• Native LUSD stablecoin

• QR-based POS system

• Operational in minutes (no developer required)

• Smartphone-based (no hardware purchases)

The Trade-offs:

• Newer platform

• Focus on stablecoins and major tokens rather than 300+ altcoins

The self-custody model deserves attention. With NOWPayments and CoinPayments, they hold your funds. You trust them to release your money when you need it.

With Larecoin's self-custody approach, funds go directly to your wallet. No intermediary. No custodial risk. True financial sovereignty.

The Complete Comparison Table

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Gas-only transfers
Custody Model	Custodial	Custodial	Self-custody
Token Support	300+	Limited majors	Stablecoins + major tokens
Setup Time	Days/Weeks	Hours/Days	Minutes
Developer Required	Yes	Sometimes	No
Hardware Needed	No	Optional	No (smartphone-based)
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	LUSD
Recurring Payments	Yes	Basic	Coming Soon

NFT Receipts: The Accounting Game-Changer

Let's talk about something most crypto payment processors ignore: documentation.

Tax season arrives. You need transaction records. Traditional processors give you PDFs. Maybe CSV exports.

Larecoin's NFT receipts change the game entirely.

Every transaction generates an immutable, blockchain-verified receipt. Transparent. Auditable. Tamper-proof.

For small business accounting? This eliminates disputes. Simplifies audits. Creates bulletproof transaction histories.

Your accountant will thank you.

LUSD Stablecoin: Volatility Protection Built-In

Crypto volatility scares merchants. Understandably.

Accept $100 in Bitcoin. Wake up tomorrow to $85. Not ideal for running a business.

LUSD solves this. It's Larecoin's native stablecoin. Pegged value. Predictable. Safe for daily operations.

Accept payments in major cryptocurrencies. Convert to LUSD instantly. Lock in your revenue without market exposure.

The receivables token functionality adds another layer. Your incoming payments become tokenized assets. Flexible. Transferable. Modern financial infrastructure for modern businesses.

Self-Custody: Why It Actually Matters

"But I trust my payment processor."

Cool. Until you don't.

Custodial platforms have frozen accounts. Delayed withdrawals. Changed terms overnight. Some have collapsed entirely.

Self-custody means:

• No account freezes

• No withdrawal delays

• No third-party approval needed

• No custodial collapse risk

• Complete control over your revenue

For small businesses operating globally? This becomes critical. Bank-free business operations. Financial sovereignty regardless of geography or banking relationships.

Who Should Choose What?

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• You have developer resources available

• Enterprise-grade auditability matters

• You serve Web3 treasuries or marketplaces

• Technical complexity doesn't scare you

Choose CoinPayments if:

• Brand recognition matters to you

• You want managed simplicity

• Basic crypto acceptance fits your needs

• You prefer established, legacy platforms

• Innovation isn't your priority

Choose Larecoin if:

• Financial sovereignty is non-negotiable

• Clean accounting and tax documentation matter

• You want NFT receipts for transparent records

• You're building a Web3-native business

• You need operational in minutes, not weeks

• Self-custody appeals to your risk profile

• Maximum fee savings drive your decisions

Getting Started With Larecoin

Ready to reduce merchant interchange fees by 50% or more?

The Larecoin payment system takes minutes to set up. Not days. Not weeks. Minutes.

Here's the process:

1. Visit the merchant portal

2. Connect your wallet

3. Generate your QR code

4. Start accepting crypto payments

No hardware purchases. No lengthy applications. No developer required.

Your smartphone becomes your crypto POS system for small business operations. Clean. Simple. Effective.

The Bottom Line

All three platforms beat traditional payment processors on fees. That's table stakes.

The real differentiators:

• Control: Self-custody vs. trusting a third party

• Features: NFT receipts and native stablecoins vs. basic processing

• Complexity: Minutes to set up vs. developer resources required

• Philosophy: Financial sovereignty vs. managed convenience

NOWPayments works for crypto-native enterprises with technical teams.

CoinPayments serves merchants wanting simple, established solutions.

Larecoin delivers for businesses prioritizing control, innovation, and maximum savings.

Your money. Your business. Your choice.

For small businesses serious about Web3 global payments, the Larecoin ecosystem offers something the others don't: true financial independence combined with cutting-edge features.

Join the Larecoin community to learn more. The future of merchant payments is self-custody, transparent, and entirely in your control.