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

Small business owners are tired of bleeding money to traditional payment processors.

Credit card fees. Interchange costs. Monthly subscriptions. Hidden charges.

It adds up fast. We're talking 2.5% to 3.5% on every single transaction.

That's thousands of dollars per year, gone.

Enter crypto POS systems. They're changing the game for merchants who want to keep more of what they earn.

But which one's right for your business? Today we're breaking down two major players: NOWPayments and Larecoin.

Let's dive in.

What Is NOWPayments?

NOWPayments is an established crypto payment gateway. Been around for a while. Solid reputation.

They offer merchant tools for accepting cryptocurrency payments. Over 300 cryptocurrencies supported. Plus 30+ stablecoins.

Their fee structure? 0.5% to 1% per transaction. Way better than Visa or Mastercard.

Processing times average around 5 minutes. They offer a non-custodial option where payments go directly to your wallet.

Good stuff. But is it the best option for small businesses in 2026?

Not necessarily.

What Is Larecoin?

Larecoin is a next-generation Web3 payment solution built for merchants who want more.

More control. More savings. More features.

The platform operates on a gas-only model. No percentage-based fees eating into your margins. Just the network transaction cost.

Built on Solana's infrastructure. Near-instant settlement. Self-custody from day one.

Plus some unique innovations:

• LUSD stablecoin for volatility protection

• NFT receipts for accounting and compliance

• Receivables token system

• Full merchant dashboard with analytics

It's designed specifically for small business owners who want financial sovereignty.

The Fee Breakdown: Where Your Money Actually Goes

Let's talk numbers. Because that's what matters.

Traditional Payment Processors:

• 2.5% to 3.5% per transaction

• Monthly fees

• Chargeback fees

• PCI compliance costs

On $500,000 in annual revenue? You're looking at $12,500 to $17,500 in fees. Every. Single. Year.

NOWPayments:

• 0.5% to 1% per transaction

• ~$5,000 annually on $500K volume

Better. Significantly better.

Larecoin:

• Gas-only model

• Under $2,000 annually on $500K volume

That's a 50%+ reduction compared to NOWPayments. And over 85% savings versus traditional processors.

The math is simple. More money stays in your pocket.

Self-Custody: Why It Matters More Than You Think

Here's a question every merchant should ask:

Who holds your money?

With traditional processors, funds sit in their accounts for days. Sometimes weeks. Subject to holds, freezes, and arbitrary decisions.

NOWPayments offers a non-custodial option. Good start. Payments can go directly to your wallet.

Larecoin takes it further.

Full self-custody. Direct merchant-to-customer transactions. No intermediary ever touches your funds.

This isn't just about convenience. It's about financial sovereignty.

Your business. Your money. Your control.

No bank approval needed. No account freezes. No unexplained holds on your operating capital.

For small businesses operating globally, this changes everything. Accept payments from anywhere. Settle instantly. Move on.

Feature Comparison: Head to Head

Feature	NOWPayments	Larecoin
Processing Fees	0.5-1%	Gas-only
Settlement Speed	~5 minutes	Near-instant
Crypto Support	300+ coins	Comprehensive
Self-Custody	Optional	Default
Native Stablecoin	No	Yes (LUSD)
NFT Receipts	No	Yes
Setup Complexity	Higher	Streamlined
Merchant Portal	Plugin-based	Full dashboard
Receivables Token	No	Yes

The differences are clear.

NOWPayments gives you breadth. Lots of coins. Established ecosystem.

Larecoin gives you depth. Purpose-built tools for serious merchants.

NFT Receipts: The Future of Accounting

This one's a game-changer.

Every transaction on Larecoin generates an NFT receipt. Immutable. Timestamped. Permanently recorded on-chain.

Why does this matter?

For Accounting:

• Automatic record-keeping

• No lost receipts

• Instant audit trails

For Compliance:

• Verifiable transaction history

• Easy tax documentation

• Regulatory readiness

For Disputes:

• Undeniable proof of purchase

• Customer confidence

• Reduced chargebacks

Traditional receipts get lost. Paper fades. Digital files get deleted.

NFT receipts? They're forever.

Small businesses spend hours on bookkeeping. NFT receipts for accounting slash that time dramatically.

LUSD: Stability in a Volatile Market

Crypto volatility scares merchants. Understandably.

Accept a payment at 10 AM. By 2 PM, it's worth 15% less. That's a real concern.

Larecoin solved this with LUSD: a native stablecoin pegged 1:1 to the US dollar.

Accept payment in any crypto. Instant conversion to LUSD. Value locked in.

No third-party stablecoin integrations. No additional conversion fees. Built right into the ecosystem.

This is LUSD stablecoin benefits in action. Merchant protection by design.

Global Reach Without The Hassle

Running a business that serves international customers?

Traditional payment processors make cross-border transactions painful. Currency conversion fees. International processing surcharges. Multi-day settlement times.

Web3 global payments eliminate these friction points.

A customer in Tokyo pays you the same way as a customer in Toronto. Same fees. Same speed. Same simplicity.

Larecoin's infrastructure supports this natively. Built for borderless commerce from day one.

No separate international merchant accounts. No additional compliance headaches. Just business.

The Self-Custody Merchant Account Advantage

Let's be clear about what self-custody merchant accounts actually mean for your business:

1. Instant Access – Funds hit your wallet immediately

2. No Holds – Your revenue isn't frozen for "review"

3. No Minimums – Withdraw what you want, when you want

4. Bank-Free – Operate without traditional banking approval

5. Global Operation – Accept payments anywhere with internet

This is financial sovereignty for merchants. Real independence.

NOWPayments offers some of these benefits. Larecoin delivers all of them as standard.

Setup and Integration

NOWPayments requires plugin installations and technical configuration. Multiple steps. Some coding knowledge helps.

Larecoin streamlined the process.

Visit the merchant portal. Connect your wallet. Start accepting payments.

The full dashboard gives you:

• Real-time transaction monitoring

• Revenue analytics

• Customer insights

• Settlement tracking

No IT department needed. No expensive integrations. Just plug and play.

The Verdict: Which Should You Choose?

Choose NOWPayments if:

• You need maximum cryptocurrency variety (300+ coins)

• You're already integrated with their plugins

• Percentage-based fees work for your volume

Choose Larecoin if:

• Reducing merchant interchange fees is priority one

• You want true self-custody by default

• NFT receipts for accounting appeal to your operations

• Near-instant settlement matters

• You're building for the future of commerce

For small businesses serious about slashing payment processing costs? Larecoin delivers.

The gas-only model alone saves thousands annually. Add in LUSD stability, NFT receipts, and full self-custody?

It's not even close.

Ready to Make the Switch?

Traditional payment processors had their time. So did first-generation crypto payment gateways.

Web3 commerce is here. Purpose-built solutions for merchants who refuse to leave money on the table.

Check out Larecoin's merchant solutions and see the difference yourself.

Your margins will thank you.