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

Choosing the right crypto payment processor can make or break your small business. The wrong pick? Hidden fees eating your margins. No real control over your funds. Generic receipts that look like everyone else's.

The right pick? Freedom. Lower costs. A competitive edge that sets you apart.

Today we're putting two popular options head-to-head: NOWPayments and Larecoin. Both promise to help merchants accept crypto. But which one actually delivers for small businesses looking to maximize profits and maintain independence?

Let's break it down.

What Is NOWPayments?

NOWPayments is a well-known crypto payment gateway. They've been around since 2019. Solid track record. Decent reputation.

Key features include:

• Support for 300+ cryptocurrencies

• Fees up to 0.5% per transaction

• API access for developers

• Fiat payouts in 75+ currencies

• Custodial wallet system

Sounds good on paper. But here's the thing: NOWPayments operates on a custodial model. Your funds hit their wallets first. Then they send it to you.

That's a middleman. And middlemen mean risk.

What Is Larecoin?

Larecoin is a Web3 payments ecosystem built for the modern merchant. It's not just a payment processor: it's a complete decentralized infrastructure.

Here's what you get:

• Self-custody payments (funds go directly to YOUR wallet)

• NFT receipts for every transaction

• LUSD stablecoin integration

• Gas-only transfers

• Contactless POS system

• Zero intermediaries

The philosophy is simple: Your money. Your control. No permission needed.

Larecoin was built by merchants who got tired of paying middleman fees and trusting third parties with their revenue.

Fee Comparison: Where Your Money Actually Goes

Let's talk numbers. Because fees compound fast.

NOWPayments:

• Up to 0.5% per transaction

• Additional fees for fiat conversion

• Withdrawal fees apply

• Premium features cost extra

Larecoin:

• Gas-only transfers on supported chains

• No platform fees on basic transactions

• LUSD eliminates volatility conversion costs

• NFT receipts included at no extra cost

Run the math. Say you process $50,000/month in crypto payments.

With NOWPayments at 0.5%: $250/month in fees (plus conversion and withdrawal costs).

With Larecoin's gas-only model: Pennies on the dollar.

Over a year? That's potentially $3,000+ in savings going straight back into your business.

Self-Custody vs Custodial: The Real Difference

This is where things get serious.

Custodial (NOWPayments approach):

• They hold your funds temporarily

• You trust their security measures

• Platform outages = no access

• Counterparty risk exists

Self-Custody (Larecoin approach):

• Funds land directly in your wallet

• You control your private keys

• No platform dependency

• True ownership from second one

Here's the uncomfortable truth: Every time you use a custodial service, you're saying "I trust you with my money." That's fine for traditional banking. But isn't the whole point of crypto to move beyond that?

Larecoin's self-custody model means no one stands between you and your revenue. Not us. Not anyone.

NFT Receipts: More Than Just Cool Tech

Traditional receipts are boring. Paper slips. Email confirmations. Nothing memorable.

Larecoin's NFT receipts change the game.

Why they matter for small businesses:

• Proof of purchase on the blockchain (immutable records)

• Customer engagement through collectible receipts

• Brand differentiation that competitors can't match

• Loyalty programs built on receipt history

• Tax compliance with permanent transaction records

Imagine your coffee shop issuing limited-edition NFT receipts. Or your boutique creating seasonal collectibles for every purchase. That's not just a transaction: that's a relationship.

NOWPayments? Standard confirmations. Nothing special.

LUSD: Solving the Volatility Problem

Accepting crypto is cool. Watching your revenue drop 15% overnight because Bitcoin dipped? Not cool.

That's why Larecoin built LUSD into the ecosystem.

How LUSD helps merchants:

• Stablecoin pegged to dollar value

• Instant conversion at point of sale

• No volatility risk

• Easy accounting and reconciliation

• Still fully decentralized

You get the benefits of crypto (fast, borderless, low-fee) without the rollercoaster pricing.

NOWPayments offers fiat conversion. But that means:

• Waiting for payouts

• Paying conversion fees

• Trusting their exchange rates

With LUSD, you're in control. Convert when you want. Hold what you want.

POS System Comparison

Running a physical store? You need hardware that works.

NOWPayments POS:

• Web-based invoicing

• QR code generation

• Mobile-friendly interface

• Requires internet connection

Larecoin Contactless POS:

• Native contactless support

• Direct wallet integration

• NFT receipt generation built-in

• Designed for retail environments

Both work. But Larecoin's POS was built specifically for brick-and-mortar merchants who want the full Web3 experience: not just a crypto add-on to their existing setup.

Supported Cryptocurrencies

NOWPayments wins on raw numbers: 300+ cryptocurrencies supported.

But here's the real question: Do your customers actually use those coins?

Most small business crypto transactions happen in:

• Bitcoin (BTC)

• Ethereum (ETH)

• USDC/USDT

• Solana (SOL)

• A handful of others

Larecoin focuses on the coins that matter. Plus native support for LARE tokens and LUSD within the ecosystem.

Quality over quantity. Focused rather than fragmented.

Merchant Freedom: The Bigger Picture

This is about more than features. It's about philosophy.

Crypto was supposed to free us from:

• Bank restrictions

• Payment processor fees

• Geographic limitations

• Third-party control

NOWPayments is a step in the right direction. But they're still a gatekeeper. Still a middleman. Still controlling access to your own money.

Larecoin represents the next evolution: True merchant independence.

No permission needed. No approval process. No one to freeze your funds or question your business model.

You're not just accepting crypto. You're participating in a decentralized economy where merchants and customers interact directly.

Who Should Choose What?

NOWPayments might work for you if:

• You need 300+ coin support

• Fiat conversion is mandatory

• You're okay with custodial solutions

• You want a more established brand name

Larecoin is built for you if:

• Fee savings matter to your bottom line

• Self-custody is non-negotiable

• NFT receipts fit your brand strategy

• You want stablecoin options (LUSD)

• Independence and decentralization align with your values

The Bottom Line

Both platforms let you accept crypto. That's table stakes in 2026.

The difference is what happens after the transaction.

With NOWPayments: Your money takes a detour. Through their systems. Through their wallets. Through their processes.

With Larecoin: Your money comes straight to you. On your terms. With innovative features like NFT receipts and LUSD that no one else offers.

For small businesses watching every penny and building brands that stand out: the choice is clear.

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Ready to take control of your crypto payments?

Explore the full Larecoin ecosystem at larecoin.com and see why merchants are making the switch to true self-custody, lower fees, and Web3-native payment solutions.

Your business deserves better than middleman fees. Time to upgrade.