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

Small business owners are tired of losing money to payment processors.

Traditional merchant fees eat into profits. Credit card companies take their cut. Banks hold your funds hostage.

Crypto POS systems offer a way out. But which one actually delivers?

Let's break down NOWPayments vs Larecoin. No fluff. Just the facts you need to make a smart decision.

The Bottom Line: What Makes These Platforms Different?

NOWPayments has been around since 2019. Established. Reliable. A solid choice for businesses wanting extensive cryptocurrency support.

Larecoin takes a different approach. Built on Solana. Web3-native. Designed specifically to slash merchant interchange fees and give you complete control over your funds.

Both accept crypto payments. Both serve small businesses. The similarities end there.

Fee Structure: Where Your Money Actually Goes

Here's where things get interesting.

NOWPayments:

• Processing fees: 0.5-1%

• Annual cost on $500,000 in transactions: ~$3,750

Larecoin:

• Gas-only transfer model

• Annual cost on $500,000 in transactions: Under $2,000

• Fee reduction: 50%+ compared to traditional processors

Do the math. That's $1,750+ back in your pocket every year. For a small business, that's real money.

Traditional credit card processing charges 2-3%. NOWPayments cuts that significantly. Larecoin cuts it even further.

The gas-only model means you're paying network fees, not platform fees. No middleman taking a percentage of every sale.

Self-Custody: Who Actually Controls Your Money?

This is where Larecoin shines.

NOWPayments offers non-custodial options. Funds can go directly to your wallet. But there's also optional custody for operational balances. Mixed approach.

Larecoin operates on a full self-custody model. Period.

Their Smart Wallet architecture means funds transfer immediately to your control. No waiting. No third-party holding your revenue. No wondering if your money is safe.

For small business owners burned by payment processor freezes or bank account issues, self-custody merchant accounts aren't just a feature. They're financial freedom.

Processing Speed: How Fast Is Fast?

Time is money. Literally.

NOWPayments: ~5 minutes average transaction time

Larecoin: Sub-second finality on Solana

Five minutes isn't terrible. Traditional bank transfers take days. But when a customer is standing at your counter, every second counts.

Solana's architecture enables near-instant confirmation. Customer pays. You receive funds. Done.

The LUSD Stablecoin Advantage

Cryptocurrency volatility terrifies most merchants. Understandable.

NOWPayments addresses this through third-party stablecoin integration. Works fine. Requires extra steps.

Larecoin built their own solution: LUSD.

Native stablecoin integration means:

• No price volatility on received payments

• Seamless conversion within the ecosystem

• Simplified accounting

• Predictable revenue

You accept crypto from customers who want to pay with it. You receive stable value. Everyone wins.

NFT Receipts: Accounting That Actually Works

Here's something NOWPayments doesn't offer.

Every Larecoin transaction generates an NFT receipt. On-chain. Immutable. Permanent.

Why does this matter?

For tax purposes: Every transaction is timestamped and verified on the blockchain. Auditors can verify authenticity instantly.

For disputes: Customer claims they never received goods? The receipt proves otherwise.

For record-keeping: No lost paperwork. No corrupted files. Your transaction history lives on the blockchain forever.

NFT receipts for accounting transform how small businesses track revenue. It's not a gimmick. It's genuinely useful infrastructure.

Setup Complexity: Getting Started

Small business owners don't have time for complicated integrations.

NOWPayments:

• Requires API integration

• Higher technical complexity

• Developer resources often needed

Larecoin:

• QR-based system

• No specialized hardware required

• Operational in minutes

The contactless POS system Larecoin offers works with a simple QR code. Customer scans. Payment complete. No expensive terminals. No lengthy setup process.

For a coffee shop owner or boutique retailer, this simplicity matters. You shouldn't need a developer on staff to accept payments.

Feature-by-Feature Breakdown

Feature	NOWPayments	Larecoin
Cryptocurrencies Supported	300+	Comprehensive selection
Native Stablecoin	No (third-party)	Yes (LUSD)
Transaction Records	Standard	NFT receipts on-chain
POS Hardware	Not required	QR-based, no hardware
Setup Time	Hours to days	Minutes
Custody Model	Mixed	Full self-custody
Processing Fees	0.5-1%	Gas-only

Which Platform Fits Your Business?

Choose NOWPayments if you:

• Need support for 300+ different cryptocurrencies

• Prefer an established platform with a longer track record

• Don't mind slightly higher fees for reliability

• Have technical resources for API integration

Choose Larecoin if you:

• Want to reduce merchant interchange fees by 50%+

• Prioritize complete financial sovereignty

• Need simple, fast setup without developers

• Value Web3-native features like NFT receipts

• Want native stablecoin integration

The Financial Sovereignty Factor

Let's talk about what really separates these platforms.

NOWPayments is a payment processor. A good one. But still a processor.

Larecoin represents something different: bank-free business operations.

Full self-custody means no institution can freeze your funds. No payment processor can hold your revenue during a "review." No bank can decide your business doesn't fit their risk profile.

For businesses in industries facing banking discrimination: cannabis-adjacent products, adult content, certain supplements: this isn't theoretical. It's survival.

Even for mainstream businesses, financial sovereignty provides peace of mind. Your money stays yours.

Global Reach Without Borders

Both platforms enable international payments. But the mechanisms differ.

NOWPayments relies on traditional cryptocurrency networks with varying speeds and fees depending on the coin.

Larecoin's Solana-based architecture provides consistent, fast, cheap transactions regardless of geography. A customer in Tokyo pays you in New York. Same speed. Same cost.

Web3 global payments eliminate the friction that makes international commerce expensive and slow.

The Receivables Token Innovation

Larecoin introduces a concept most crypto POS systems haven't touched: receivables tokens.

Your expected incoming payments become tokenized assets. This opens possibilities for:

• Invoice financing without banks

• Predictable cash flow management

• New business lending models

It's infrastructure that traditional payment processors simply can't offer.

Making Your Decision

Both platforms work. Both accept cryptocurrency. Both serve small businesses.

The question is what you prioritize.

Cost sensitivity? Larecoin's gas-only model wins.

Cryptocurrency variety? NOWPayments offers more options.

Self-custody? Larecoin's architecture is purpose-built for it.

Established reliability? NOWPayments has the longer track record.

Web3-native features? Larecoin delivers NFT receipts, native stablecoins, and receivables tokens.

For most small businesses seeking to reduce payment processing costs while maintaining complete control over their funds, Larecoin represents the more innovative choice.

The future of commerce is decentralized. The question is whether you want to get there now or later.

Ready to explore what Web3 payments can do for your business? Visit Larecoin and see the difference self-custody makes.