NOWPayments Vs CoinPayments: Why Larecoin Is the Better Crypto POS System for Small Business

Small business owners. You're tired of bleeding cash to payment processors.

Traditional interchange fees? Brutal. Credit card companies taking 2-3% of every transaction? Unacceptable.

You've looked at crypto payment solutions. NOWPayments. CoinPayments. Both solid options. But neither delivers what small businesses actually need in 2026.

Enter Larecoin. The Web3 POS system built specifically for merchants who want to slash fees, own their funds, and future-proof their business.

Let's break it down.

The Hidden Costs Killing Small Business Profits

Here's the reality most payment processors don't want you to see.

Every swipe. Every tap. Every online checkout. You're hemorrhaging money.

• Credit card interchange fees: 1.5% - 3.5%

• Payment gateway fees: Additional 0.1% - 0.5%

• Monthly platform fees: $10 - $100+

• Chargeback fees: $15 - $100 per dispute

For a small business doing $50,000/month in transactions? That's $1,500+ vanishing every single month.

Crypto payment solutions promised to fix this. Some delivered. Most didn't.

NOWPayments: The Non-Custodial Option

NOWPayments carved out a niche. Non-custodial payments. 300+ supported cryptocurrencies. Immediate withdrawals.

The Good:

• You control your crypto. No middleman holding your funds.

• Fast settlement times.

• Decent API integration.

• Crypto-native community support.

The Bad:

• Requires significant operational overhead.

• Security management falls entirely on you.

• No stablecoin infrastructure designed for merchants.

• Missing advanced receipt and tracking systems.

• Limited point-of-sale hardware integration.

NOWPayments works for crypto enthusiasts running online stores. It struggles with brick-and-mortar operations. And it leaves small business owners handling complex security protocols alone.

CoinPayments: The Managed Simplicity Route

CoinPayments went the opposite direction. Over 2,100 cryptocurrencies. Full merchant management. Compliance handled.

The Good:

• End-to-end merchant solution.

• Handles wallet management and fiat conversion.

• Extensive cryptocurrency support.

• Built-in compliance features.

The Bad:

• Custodial model. They hold your funds.

• Higher processing fees eat into savings.

• You sacrifice financial sovereignty.

• Generic receipt system with no Web3 utility.

• Slow innovation cycle.

CoinPayments fits traditional retailers wanting someone else to handle everything. But that convenience comes at a cost. Your crypto sits in their wallets. Their rules. Their timeline.

Why Larecoin Beats Both: The Complete Merchant Solution

Here's where things get interesting.

Larecoin wasn't built by copying NOWPayments or CoinPayments. It was engineered from the ground up for one purpose: merchant empowerment.

50%+ Fee Reduction. Guaranteed.

Traditional interchange fees are highway robbery. Larecoin's contactless POS system slashes those costs dramatically.

We're talking sub-1% transaction fees. For most small businesses, that translates to savings of 50% or more compared to credit card processing.

Run the math on your monthly volume. The savings compound fast.

• $25,000 monthly volume = $300+ saved

• $50,000 monthly volume = $600+ saved

• $100,000 monthly volume = $1,200+ saved

That's not marketing fluff. That's real money staying in your business. Every month.

Self-Custody: Your Money. Your Control.

Here's where Larecoin separates from CoinPayments entirely.

Self-custody isn't optional. It's foundational.

When you process payments through Larecoin, funds move directly to your wallet. No intermediary holding your crypto hostage. No withdrawal delays. No permission needed to access your own money.

This is financial sovereignty. This is what Web3 was supposed to deliver.

NOWPayments offers non-custodial options. But they leave you building your own security infrastructure. Larecoin provides the non-custodial architecture plus the merchant tools to run it smoothly.

LUSD Stablecoin: Stability Meets Innovation

Cryptocurrency volatility terrifies small business owners. Understandably.

You sell $500 in products. Bitcoin drops 8% overnight. You just lost $40.

LUSD eliminates this problem.

Larecoin's stablecoin architecture lets merchants:

• Accept crypto payments

• Instantly convert to LUSD

• Maintain dollar-pegged stability

• Avoid market volatility entirely

Your customers pay in their preferred cryptocurrency. You receive stable value. Everyone wins.

Neither NOWPayments nor CoinPayments offers a native stablecoin solution designed specifically for merchant use cases. They rely on third-party stablecoins with their own fee structures and limitations.

LUSD is built into the Larecoin ecosystem. Native. Optimized. Ready for commerce.

NFT Receipts: Beyond Basic Transaction Records

This is where Larecoin gets genuinely innovative.

Traditional receipts? Paper or digital PDFs. Static. Useless after the initial transaction.

NFT receipts transform every purchase into a verifiable, programmable asset.

For Merchants:

• Immutable proof of transaction

• Built-in warranty tracking

• Automatic return authorization

• Customer loyalty integration

• Zero chargeback fraud

For Customers:

• Proof of purchase that can't be lost or faked

• Easy warranty claims

• Resale verification for secondary markets

• Collectible potential for brand enthusiasts

Imagine a customer buying a limited edition product. Their NFT receipt proves authenticity. They can resell with verified provenance. Your brand benefits from secondary market activity.

This isn't theoretical. It's live on the Larecoin payment platform.

Feature Comparison: The Full Picture

Feature	NOWPayments	CoinPayments	Larecoin
Self-Custody	Yes	No	Yes
Merchant POS Hardware	Limited	Limited	Full Support
Native Stablecoin	No	No	LUSD
NFT Receipts	No	No	Yes
Fee Reduction	Moderate	Low	50%+
Security Management	DIY	Managed	Hybrid
Brick & Mortar Ready	Partial	Partial	Full
Smart Wallet Integration	No	No	Yes

The gaps are obvious. NOWPayments and CoinPayments solve pieces of the puzzle. Larecoin delivers the complete picture.

Built for Small Business Reality

Small businesses don't have IT departments. They don't have compliance officers. They don't have time to become crypto security experts.

Larecoin's merchant portal handles the complexity. You focus on running your business.

Setup takes minutes:

1. Create your merchant account

2. Configure your wallet

3. Connect your POS system

4. Start accepting payments

The Larecoin community provides support when you need it. Real merchants. Real solutions. No corporate runaround.

The Bottom Line

NOWPayments works for crypto-native online businesses willing to handle their own security.

CoinPayments works for traditional retailers who don't mind sacrificing custody and paying higher fees.

Larecoin works for small businesses who want everything:

• Maximum fee savings

• Full self-custody

• Stablecoin stability

• Innovative receipt systems

• Professional merchant tools

The crypto payments landscape evolved. Most processors didn't.

Larecoin built what merchants actually need in 2026 and beyond.

Ready to Cut Your Payment Processing Costs?

Stop giving away your profits to legacy payment systems.

Check out the Larecoin whitepaper for the technical deep dive. Or jump straight to the payment platform and see what modern crypto commerce looks like.

Your margins will thank you.