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

Choosing the right crypto POS system for small business operations isn't just a technical decision. It's a financial one. A strategic one. Potentially a game-changer for your bottom line.

NOWPayments has been around since 2019. Solid reputation. 300+ cryptocurrencies supported. But here's the thing, established doesn't always mean optimal.

Larecoin entered the scene with a different playbook. Gas-only fees. Full self-custody. Web3-native tools that actually matter.

Let's break down which platform deserves your business.

The Fee Showdown: Where Your Money Actually Goes

This is where things get real.

NOWPayments charges between 0.5% and 1% per transaction. Sounds reasonable until you do the math on annual volume.

Larecoin operates on a gas-only model. No percentage cuts. No hidden processing fees. Just the blockchain network cost.

Here's what that looks like in practice:

Annual Volume	NOWPayments Cost	Larecoin Cost	Your Savings
$500,000	$3,750 - $5,000	Under $2,000	$1,750+
$1,000,000	$7,500 - $10,000	Under $4,000	$3,500+
$5,000,000	$37,500 - $50,000	Under $20,000	$17,500+

That's not a rounding error. That's payroll. Inventory. Marketing budget.

For small businesses trying to reduce merchant interchange fees, this difference compounds month after month. Year after year.

Self-Custody: Who Actually Controls Your Money?

Here's a question most payment processors hope you don't ask: Where does my money sit between transaction and settlement?

NOWPayments offers a mixed custody model. They have non-custodial options where funds go directly to your wallet. Good. But they also offer optional custodial features for operational balances. That means a third party can hold your funds.

Larecoin takes a different approach. Full self-custody. Period.

Funds transfer immediately to your control. No intermediary. No holding period. No permission needed to access what's already yours.

Why does this matter for your small business?

• No account freezes. Your funds can't be locked by a payment processor during a "review."

• No withdrawal limits. Access everything. Anytime.

• No banking discrimination. Industries that face challenges with traditional banking, CBD shops, adult entertainment, certain online services, maintain complete financial sovereignty.

Self-custody merchant accounts aren't just a feature. They're insurance against the whims of third-party gatekeepers.

Setup: Minutes vs. Days

Time is money. Especially when you're running a small business.

NOWPayments requires API integration. That typically means developer resources. Technical knowledge. Hours to days before you're operational.

Larecoin uses QR-code-based transactions. No specialized hardware. No coding. No IT department on speed dial.

A coffee shop owner can set up Larecoin during a slow afternoon. A boutique retailer can start accepting crypto before the lunch rush ends.

This isn't about dumbing things down. It's about removing unnecessary friction between you and revenue.

Transaction Speed: The Customer Experience Factor

Nobody wants to wait at checkout. Not your customers. Not your staff.

NOWPayments processes transactions in approximately 5 minutes. Acceptable for online orders. Awkward for in-person retail.

Larecoin delivers near-instant confirmations. The kind of speed that makes crypto payments feel as seamless as tapping a credit card.

For brick-and-mortar operations, this difference defines whether customers embrace or avoid your crypto payment option.

The LUSD Advantage: Stablecoin Settlement Built In

Crypto volatility concerns every business owner. Accept Bitcoin today, lose 15% by tomorrow, that's not a business model. That's gambling.

NOWPayments doesn't offer a native stablecoin. You're managing volatility on your own.

Larecoin includes LUSD, their built-in stablecoin. Settle transactions in a dollar-pegged asset without leaving the ecosystem. No third-party conversions. No additional fees. No exposure to market swings between sale and settlement.

LUSD stablecoin benefits extend beyond stability:

• Simplified accounting. Revenue recorded in consistent dollar values.

• Predictable cash flow. Budget without guessing what your crypto will be worth next week.

• Reduced conversion friction. Stay in the ecosystem longer without forced fiat off-ramps.

NFT Receipts: Not a Gimmick

This might sound like Web3 hype. It's not.

Larecoin generates NFT receipts for every transaction. Why does this matter?

For accounting: Immutable transaction records on the blockchain. No lost receipts. No disputed records. No "the dog ate my expense reports."

For auditing: Every transaction is verifiable, timestamped, and permanent. Tax season becomes less painful.

For customer disputes: Clear proof of purchase that can't be altered or fabricated by either party.

NFT receipts for accounting transform how small businesses document sales. It's not about collecting digital art, it's about building an unshakeable paper trail without the paper.

The Receivables Token: Turn Your Invoices Into Assets

Here's where Larecoin gets genuinely innovative.

Outstanding invoices are assets. But traditionally, they're illiquid ones. You wait 30, 60, 90 days for payment while your cash flow suffers.

Larecoin's receivables token concept changes this dynamic. Tokenize outstanding payments. Maintain liquidity. Stop letting accounts receivable sit dead on your balance sheet.

This is bank-free business operations taken to the next level.

Feature Comparison: The Complete Picture

Feature	NOWPayments	Larecoin
Processing Fees	0.5-1%	Gas-only
Cryptocurrencies	300+	Comprehensive selection
Custody Model	Mixed	Full self-custody
Transaction Speed	~5 minutes	Near-instant
Setup Time	Hours to days	Minutes
Native Stablecoin	No	Yes (LUSD)
NFT Receipts	No	Yes
Hardware Required	API integration	QR-based (none)
Receivables Tokenization	No	Yes

Who Should Choose NOWPayments?

Let's be fair. NOWPayments isn't a bad platform.

Choose NOWPayments if you:

• Need access to 300+ specific cryptocurrencies

• Prefer an established platform with a longer track record

• Have technical resources for API integration

• Want optional custodial features for operational balances

• Prioritize token variety over fee savings

It's a solid NOWPayments alternative for businesses with specific multi-token requirements.

Who Should Choose Larecoin?

Choose Larecoin if you:

• Want to maximize fee savings (50%+ reduction)

• Require complete financial sovereignty

• Need fast setup without developers

• Value Web3-native features like NFT receipts

• Prefer built-in stablecoin settlement

• Run a business that faces banking challenges

• Want global reach without traditional payment rails

The Bottom Line

Both platforms accept crypto. Both serve small businesses.

But they're built on fundamentally different philosophies.

NOWPayments optimized for breadth: more tokens, more integrations, more options.

Larecoin optimized for depth: lower fees, faster transactions, stronger sovereignty, smarter Web3 tools.

For small businesses focused on cutting costs, maintaining control, and embracing genuine financial innovation, Larecoin delivers advantages that compound over time.

That $1,750+ saved annually on a $500,000 volume? It buys equipment. Funds marketing. Pays employees.

And it stays in your wallet: not a payment processor's.

Ready to Make the Switch?

Explore what Web3 global payments actually look like when designed for merchants first.

Visit Larecoin to see the platform in action.

Or join the conversation in the Larecoin Community to connect with businesses already making the transition.

Your crypto POS system shouldn't cost you more than it earns. Choose accordingly.