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

Small business owners are fed up with traditional payment processors eating their margins. That's why crypto POS systems are exploding in popularity. But which one actually delivers?

Two major players. Two very different approaches. Let's break it down.

CoinPayments has been around for years. It's familiar. It works. But it operates like a traditional intermediary: holding your funds and taking percentage cuts.

Larecoin? Built different. Full self-custody. Gas-only fees. Instant settlement on Solana.

Here's everything you need to know before choosing your crypto payment solution.

The Fee Battle: Where Your Money Actually Goes

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

CoinPayments charges 0.5-1% per transaction. Sounds small, right? Wrong.

Process $500,000 annually? That's roughly $5,000/year walking out the door. Every single year.

Larecoin operates on a gas-only model. No percentage cuts. No hidden fees. Just minimal network costs.

Same $500,000 in volume? You're looking at approximately $2,000/year.

That's a $3,000 difference. Every. Single. Year.

For small businesses running on tight margins, this isn't pocket change. It's the difference between hiring help or burning out. Investing in growth or barely staying afloat.

Here's a quick breakdown for $10,000 monthly revenue:

Payment Processor	Approximate Monthly Cost
Traditional Processors	~$320
CoinPayments	~$75-100
Larecoin	Minimal gas fees only

The math doesn't lie. If you want to reduce merchant interchange fees, the choice is clear.

Speed Matters: When Do You Actually Get Paid?

Cash flow kills businesses. Slow settlement kills cash flow.

CoinPayments processing time: Minutes to hours. Variable. Depends on blockchain congestion and internal processing queues.

Larecoin processing time: Near-instant. Sub-second finality on Solana.

Why does this matter for your small business?

• Customer experience: Nobody wants to stand at checkout wondering if their payment went through

• Operational efficiency: Your staff shouldn't be troubleshooting payment delays

• Cash flow optimization: Funds hit your wallet immediately. No waiting. No wondering.

With Larecoin, the moment a customer pays, you have access to those funds. No 24-hour holds. No "pending" status. Done.

The Custody Question: Who Controls Your Money?

This is where things get philosophical. And practical.

CoinPayments model: They hold your funds. You trust them to release your money when you want it. Classic intermediary setup.

Larecoin model: Full self-custody. Funds go directly to your wallet. Immediately. No middleman touching your revenue.

Think about it. CoinPayments essentially recreates traditional banking structures using cryptocurrency. They become another gatekeeper between you and your money.

What's the point of going crypto if you're still relying on intermediaries?

Self-custody merchant accounts give you:

• Complete control over your funds 24/7

• No account freezes or holds

• True financial sovereignty

• Bank-free business operations

For small business owners who've been burned by payment processor holds or frozen accounts, this is huge. Your money. Your control. Period.

LUSD Stablecoin: Volatility Protection Built In

Crypto volatility scares merchants. Understandable.

You sell a $100 item. Bitcoin drops 10% before you convert. You just lost $10.

CoinPayments offers limited stablecoin options. Basic functionality. Nothing special.

Larecoin integrates LUSD stablecoin natively. Receive payments directly in a stable asset. No conversion panic. No volatility stress.

The LUSD stablecoin benefits for merchants:

• Price stability for accounting and budgeting

• No rush to convert before market moves

• Predictable revenue calculations

• Simplified tax reporting

Your accountant will thank you. Trust me.

NFT Receipts: The Future of Business Documentation

Here's where Larecoin gets innovative.

Standard transaction records are... standard. Basic text. Easily lost. Hard to verify.

NFT receipts for accounting change everything.

Every transaction generates an immutable, verifiable receipt on the blockchain. Permanent. Tamper-proof. Always accessible.

Benefits for your small business:

• Audit-ready documentation: Every transaction verifiable on-chain

• Dispute resolution: Indisputable proof of payment

• Professional appearance: Cutting-edge receipt system impresses customers

• Lost receipt problem: Solved. Forever on the blockchain.

CoinPayments? Standard transaction records. Nothing more.

The Smart Wallet Advantage

CoinPayments gives you a wallet. That's it.

Larecoin's smart wallet includes:

• Customizable network fees: Optimize costs based on urgency

• Built-in decentralized exchange access: Swap assets without leaving the ecosystem

• Liquidity pools: Put idle funds to work

• Bridge services: Move assets across chains effortlessly

• Receivables token functionality: Tokenize your incoming payments

It's not just a payment processor. It's a complete financial toolkit for Web3-native businesses.

Real-World Impact: What This Means for Your Store

Let's paint a picture.

Scenario A: Coffee Shop Using CoinPayments

Customer pays $5 for a latte with Bitcoin. CoinPayments takes 0.5-1% fee. Payment processes in 10-30 minutes (maybe longer during congestion). Funds sit in CoinPayments custody until you withdraw. Standard receipt generated.

Scenario B: Coffee Shop Using Larecoin

Customer pays $5 for a latte. Minimal gas fee (fractions of a cent). Payment confirms in under a second. Funds land directly in your self-custody wallet. NFT receipt automatically generated for both parties.

Scale this across hundreds of daily transactions. Thousands per month. The differences compound dramatically.

The CoinPayments Alternative You've Been Looking For

If you're searching for a CoinPayments alternative, Larecoin checks every box:

✅ Lower fees (gas-only vs percentage cuts) ✅ Faster settlement (sub-second vs minutes-hours) ✅ True self-custody (your wallet, your control) ✅ Stablecoin integration (LUSD for volatility protection) ✅ NFT receipts (next-gen documentation) ✅ Smart wallet features (complete financial toolkit)

Who Should Choose What?

Choose CoinPayments if:

• You prefer familiar, established platforms

• You're comfortable with intermediary custody

• Percentage-based fees don't concern you

• Basic functionality meets your needs

Choose Larecoin if:

• Minimizing fees is a priority

• You want instant settlement

• Self-custody and financial sovereignty matter

• You're ready for Web3-native business operations

• Innovation and future-proofing appeal to you

Getting Started With Larecoin

Ready to slash your payment processing costs? Here's how to begin:

1. Visit the Larecoin merchant portal

2. Set up your self-custody wallet

3. Configure your POS integration

4. Start accepting crypto payments with sub-second finality

No lengthy approval processes. No holding periods. No percentage fees eating your profits.

The Bottom Line

CoinPayments works. It's been around. It processes payments.

But it's yesterday's approach wearing Web3 clothing.

Larecoin represents what crypto payments should be: Fast. Cheap. Self-custodied. Innovative.

For small businesses looking to reduce merchant interchange fees, embrace financial sovereignty, and operate without traditional banking intermediaries, the choice is straightforward.

Lower fees. Instant settlement. Complete control.

That's the Larecoin difference.

Ready to make the switch? Check out Larecoin and see why thousands of merchants are ditching percentage-based payment processors for the gas-only future.