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

Choosing a crypto POS system isn't just about accepting payments anymore.

It's about fees. Control. Flexibility. And whether you actually own your money.

NOWPayments has been a go-to for merchants dipping their toes into crypto. Solid reputation. Wide coin support. Easy integrations.

But here's the thing: there's a new player shaking up the Web3 payments space.

Larecoin.

Let's break down how these two stack up. Feature by feature. Dollar by dollar.

The Quick Rundown: What Each Platform Offers

NOWPayments is a crypto payment gateway founded in 2019. It supports 200+ cryptocurrencies, offers QR code POS functionality, and provides plugins for major e-commerce platforms like WooCommerce and Shopify.

Their model? Traditional payment processing with a crypto twist. You accept crypto, they convert it (if you want), and funds hit your wallet.

Larecoin is a full Web3 payments ecosystem. We're talking self-custody merchant accounts, NFT receipts for accounting, a native stablecoin (LUSD), contactless POS, and a Layer 1 blockchain built specifically for high-volume transactions.

It's not just a gateway. It's infrastructure.

Fee Structure: Where Your Money Actually Goes

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

NOWPayments charges between 0.5% and 1% per transaction depending on your plan. Sounds reasonable until you factor in network fees, conversion fees, and withdrawal costs. Those add up fast.

Larecoin slashes merchant interchange fees by over 50%. How? By cutting out the middlemen entirely.

With self-custody merchant accounts, there's no third party holding your funds. No delays. No surprise deductions. You receive payments directly into your wallet.

For a small business processing $50,000/month in transactions, that fee difference translates to thousands saved annually.

Real money. Back in your pocket.

Self-Custody vs. Custodial Accounts

This is where things get interesting.

NOWPayments operates on a custodial model. They hold your funds until you withdraw. Standard stuff for most payment processors.

But here's the risk: if their platform goes down, gets hacked, or freezes accounts: your money is stuck.

Larecoin flips this entirely.

Self-custody merchant accounts mean you control your private keys. Always. Your funds never sit in someone else's wallet waiting for permission to move.

Financial sovereignty isn't a buzzword here. It's the default setting.

For merchants tired of banks and processors dictating terms, this is the NOWPayments alternative that actually delivers autonomy.

NFT Receipts: The Accounting Game-Changer

Paper receipts? PDFs? That's legacy thinking.

NOWPayments provides standard transaction records. Functional. Nothing special.

Larecoin introduces NFT receipts for accounting.

Every transaction generates a unique, immutable NFT stored on-chain. This isn't just a receipt: it's a verifiable proof of purchase that:

• Can't be altered or forged

• Integrates with smart accounting systems

• Provides instant audit trails

• Reduces reconciliation headaches by 80%

Your accountant will thank you. Your auditors will love you. And come tax season? Everything's already on-chain, timestamped, and verified.

This feature alone makes Larecoin a serious contender for any merchant thinking long-term.

Stablecoin Options: LUSD vs. Third-Party Conversions

Volatility kills merchant adoption. Everyone knows this.

NOWPayments addresses it through auto-conversion features. Accept BTC, receive USDT or fiat. Simple enough, but those conversions come with fees and slippage.

Larecoin's answer? LUSD stablecoin benefits built directly into the ecosystem.

LUSD is Larecoin's native stablecoin: pegged, reliable, and designed for commerce. No third-party conversions needed. No extra fees eating into your margins.

Accept payment in LUSD. Hold it in LUSD. Spend it in LUSD.

Or use the ecosystem's swap and bridge features to move between chains when you need flexibility. Your call.

POS Hardware and Integration

NOWPayments offers mobile and web POS with QR code functionality. Works on smartphones, tablets, and desktops. Integration plugins available for major platforms.

Larecoin goes further with:

• Contactless POS terminals for in-store transactions

• Merchant portal for real-time analytics and management

• AI/ML-powered search for product discovery

• Gas-only transfers that minimize transaction costs

• Push-to-card services for instant fiat off-ramps

The difference? NOWPayments gives you a payment gateway. Larecoin gives you a complete crypto POS system for small business operations.

From accepting the payment to reconciling your books to cashing out: it's all in one place.

Blockchain Infrastructure

NOWPayments processes transactions across multiple blockchains but doesn't operate its own. They're aggregating existing networks.

Larecoin runs on LareBlocks: a proprietary Layer 1 blockchain with its own explorer (LareScan). This means:

• Faster confirmation times

• Lower network fees

• Purpose-built architecture for payment processing

• No congestion from NFT mints or DeFi farming clogging your transactions

When you're processing hundreds of transactions per hour during a lunch rush, infrastructure matters.

Global Reach and Multi-Currency Support

Both platforms support global transactions. No surprise there.

NOWPayments accepts 200+ cryptocurrencies. Impressive breadth.

Larecoin focuses on practical utility:

• LARE token for ecosystem transactions and rewards

• LUSD stablecoin for stable value storage

• Receivables token for invoice financing and cash flow management

• Cross-chain compatibility with Solana, Binance, and more

It's not about accepting every memecoin under the sun. It's about giving merchants tools that actually move the needle for their business.

The receivables token feature is particularly powerful: turning outstanding invoices into tradeable assets. Cash flow problems? Tokenize your receivables and access liquidity instantly.

Community and Ecosystem

NOWPayments is a product. You use it, you're done.

Larecoin is an ecosystem.

Beyond payments, you get access to:

• Classified ads for B2B and B2C commerce

• Social spaces for networking with other merchants

• NFT trading for digital collectibles and loyalty programs

• DAO governance for community-driven development

• Liquidity pools for yield generation on idle funds

Your payment processor shouldn't just process payments. It should open doors.

Check out the Larecoin community forums to see what's being built.

The Verdict: Which Should You Choose?

Choose NOWPayments if:

• You want a simple, plug-and-play crypto gateway

• You're comfortable with custodial accounts

• You just need basic crypto acceptance without extra features

Choose Larecoin if:

• You want to reduce merchant interchange fees by 50%+

• Self-custody and financial sovereignty matter to you

• NFT receipts for accounting sound like a competitive advantage

• You're building a bank-free business operation

• You want a complete Web3 global payments ecosystem: not just a gateway

For merchants serious about the future of commerce, Larecoin isn't just a NOWPayments alternative.

It's what comes next.

Ready to Make the Switch?

Setting up takes minutes. No banks required. No lengthy approvals.

Head to larecoin.com and see the difference a true Web3 payments solution makes.

Your business deserves infrastructure built for tomorrow. Not retrofitted from yesterday.