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

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

Two names keep popping up in 2026: NOWPayments and Larecoin.

Both promise seamless crypto acceptance. Both target merchants tired of traditional payment processor fees. But the similarities end there.

Let's break down exactly what each platform offers: and which one actually delivers for small business owners ready to go Web3.

The Quick Rundown: What Is NOWPayments?

NOWPayments is a crypto payment gateway built for businesses accepting digital currencies. It's been around for years. Solid reputation. Reliable infrastructure.

Here's what you get:

• 300+ supported cryptocurrencies

• 0.5% transaction fees (on-chain payments)

• API invoicing and recurring billing

• White-label solutions

• Fiat settlements across 75+ currencies

Sounds comprehensive. And it is: for businesses that just want basic crypto acceptance.

But here's the catch: NOWPayments operates on a custodial model. Your funds flow through their infrastructure. You're trusting a third party with your revenue.

For some merchants, that's fine. For others? It defeats the entire purpose of decentralized finance.

Enter Larecoin: The Web3-Native Alternative

Larecoin isn't just a payment processor. It's a complete Web3 payments ecosystem built from the ground up for merchants who want full financial sovereignty.

Key differentiators:

• Self-custody merchant accounts : Your keys, your crypto

• NFT receipts for accounting : Immutable, auditable transaction records

• LUSD stablecoin : Eliminate volatility without leaving the ecosystem

• Contactless POS system : Built for in-store retail

• Push-to-card services : Move crypto to your debit card instantly

• Layer 1 blockchain (LareBlocks) : Custom infrastructure for speed and security

The philosophy is different. NOWPayments helps you accept crypto. Larecoin helps you build a bank-free business.

Feature-by-Feature Breakdown

Transaction Fees: Who Takes Less From Your Bottom Line?

NOWPayments: 0.5% per transaction. Straightforward. No hidden fees. But that 0.5% adds up fast when you're processing serious volume.

Larecoin: Variable: but designed to slash merchant interchange fees by 50% or more compared to traditional processors. The LUSD stablecoin transfers use gas-only fees, meaning you're paying pennies, not percentages.

Winner: Larecoin. The gas-only transfer model on stablecoin transactions crushes traditional percentage-based fees.

Custody: Who Controls Your Money?

This is where things get real.

NOWPayments: Custodial. They hold your funds until settlement. You're dependent on their platform staying operational and secure.

Larecoin: Self-custody by default. Your merchant wallet, your private keys. No middleman touching your revenue.

Winner: Larecoin. Self-custody isn't just a feature: it's the foundation of financial sovereignty.

Accounting & Compliance: NFT Receipts vs. Traditional Invoices

Small business owners know the nightmare of reconciling crypto transactions at tax time.

NOWPayments: Standard invoicing. CSV exports. Works with existing accounting software. Nothing revolutionary.

Larecoin: NFT receipts. Every transaction mints an immutable receipt on-chain. Auditable. Tamper-proof. Your accountant will thank you.

This isn't just novelty. NFT receipts create a permanent, verifiable record that simplifies compliance and eliminates disputes.

Winner: Larecoin. NFT receipts for accounting are a game-changer for small business bookkeeping.

Stablecoin Options: Avoiding the Volatility Trap

Accepting Bitcoin is great until it drops 15% before you can convert to fiat.

NOWPayments: Supports USDT, USDC, and other major stablecoins. Auto-conversion available to 75+ fiat currencies.

Larecoin: Native LUSD stablecoin. Pegged, stable, and designed specifically for the Larecoin ecosystem. No need to exit to fiat if you're operating in Web3.

The difference? LUSD keeps you inside a sovereign ecosystem. You're not dependent on external stablecoin issuers or their regulatory baggage.

Winner: Tie: depends on your business model. If you need fiat off-ramps, NOWPayments has more options. If you're building a Web3-native operation, LUSD keeps everything streamlined.

POS Hardware & Integration

NOWPayments: Software-focused. Integrates with existing POS systems via API. No proprietary hardware.

Larecoin: Contactless POS built specifically for the ecosystem. Merchant portal for managing transactions, sub-wallets for staff, and real-time analytics.

For brick-and-mortar small businesses, Larecoin's dedicated POS infrastructure makes implementation seamless.

Winner: Larecoin. Purpose-built beats bolt-on every time.

Global Reach & Multi-Currency Support

NOWPayments: 300+ cryptocurrencies. Impressive breadth. If a coin exists, they probably support it.

Larecoin: Focused ecosystem with cross-chain capabilities. Supports major networks including Solana and Binance Chain for swaps and bridging.

Winner: NOWPayments: if raw cryptocurrency variety is your priority. But quantity isn't always quality.

The Hidden Advantage: Receivables Tokens

Here's something NOWPayments doesn't offer: tokenized receivables.

Larecoin's receivables token functionality lets merchants tokenize incoming payments. Think of it as turning your future revenue into a tradeable asset.

Use cases:

• Unlock liquidity without waiting for settlement

• Use receivables as collateral in DeFi

• Streamline B2B transactions between partners

This is advanced Web3 finance. Not every small business needs it today. But the infrastructure is there when you're ready to scale.

Who Should Choose NOWPayments?

NOWPayments is solid for:

• E-commerce businesses wanting simple crypto checkout

• Merchants who need 300+ coin support

• Businesses comfortable with custodial solutions

• Teams prioritizing fiat settlement options

It's the safe, established choice. Nothing wrong with that.

Who Should Choose Larecoin?

Larecoin is built for:

• Small businesses demanding self-custody and financial sovereignty

• Retail merchants wanting dedicated contactless POS

• Owners focused on reducing interchange fees by 50%+

• Forward-thinking operators preparing for full Web3 integration

• Anyone who sees the value in NFT receipts for compliance

If you're not just accepting crypto but building a bank-free business model, Larecoin is the infrastructure to do it.

The Verdict: Which Crypto POS System Wins?

NOWPayments is a reliable payment gateway. It does what it promises. No complaints.

Larecoin is a paradigm shift. It's not just about accepting crypto: it's about owning your financial future.

For small businesses ready to embrace Web3 global payments, reduce fees, and maintain full control over their revenue, Larecoin is the NOWPayments alternative that actually delivers on the promise of decentralized finance.

---

Ready to explore self-custody merchant solutions?

Check out the full ecosystem at larecoin.com and join the conversation in the official announcements forum.

Your business. Your keys. Your future.