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

Small business owners are done with 3% credit card fees eating into their margins. Crypto payments offer a way out. But which platform actually delivers?

Two names keep coming up: CoinPayments and Larecoin.

One's been around for years. The other is rewriting the rules of merchant payments entirely.

Let's break down exactly what each platform offers: and which one makes more sense for your bottom line.

The Fee Fight: Where Your Money Actually Goes

Here's the deal. Traditional payment processors charge you 2.5-3.5% on every transaction. That's thousands of dollars per year walking out the door.

CoinPayments charges 0.5-1% per transaction. Better than Visa. Still a percentage cut on every sale.

Larecoin operates differently. Gas-only model. No percentage fees. Period.

Let's do the math on $500,000 annual revenue:

Platform	Annual Cost
Traditional Processors (3%)	$15,000
CoinPayments (1%)	$5,000
Larecoin (gas-only)	~$2,000

That's a 60% reduction compared to CoinPayments. Over $13,000 saved versus traditional processors.

For a small business, that's a new employee. New equipment. Marketing budget. Real money staying in your pocket.

Self-Custody: Who Actually Controls Your Revenue?

This is where things get interesting.

CoinPayments model: Customer pays you. CoinPayments holds the funds. You request withdrawal. They process it. You wait minutes to hours. Maybe longer.

Your revenue sits in someone else's wallet. Third-party risk. Counterparty exposure. You're trusting an intermediary with your business income.

Larecoin model: Customer pays you. Funds hit your wallet directly. Instantly. No middleman. No permission needed.

Self-custody isn't just a crypto buzzword. It's financial sovereignty for your business.

Think about it:

• No frozen accounts

• No processing delays

• No withdrawal limits

• No third-party approval

Your money. Your wallet. Your rules.

Settlement Speed: Time Is Money

CoinPayments offers variable settlement times. Minutes to hours depending on network congestion and their internal processing.

Larecoin runs on Solana. Sub-second finality. Near-instant settlement.

Customer taps their phone. You see the payment. Done.

No waiting. No wondering if the transaction went through. No reconciliation headaches at end of day.

For retail environments, this matters. Fast checkout. Happy customers. Clean books.

The Web3 Feature Gap

Here's where the comparison gets lopsided.

CoinPayments supports 2,000+ cryptocurrencies. Impressive number. But it's essentially a traditional payment gateway that happens to process crypto.

Larecoin is native Web3 infrastructure. Built different from the ground up.

NFT Receipts

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

Why does this matter for your business?

• Accounting: Tamper-proof transaction records

• Audits: Verifiable payment history

• Disputes: Undeniable proof of purchase

• Compliance: Transparent documentation

Traditional receipts get lost. Database entries get corrupted. NFT receipts exist forever on the blockchain.

Your accountant will thank you.

LUSD Stablecoin Integration

Crypto volatility scares merchants. Understandable.

LUSD solves this. Native stablecoin pegged to the dollar. Accept crypto payments. Receive stable value.

No more watching Bitcoin swing 10% while your transaction processes.

Price at checkout = Price you receive.

Simple.

Smart Wallet Features

Larecoin's smart wallet isn't just storage. It's a full ecosystem access point:

• Customizable network fees

• Integrated decentralized exchange

• Liquidity pool access

• Swap and bridge services

• FX calibration tools

Your payment processor becomes your financial operating system.

CoinPayments? It's a payment gateway. That's it.

Real Talk: What Small Businesses Actually Need

Let's cut through the marketing speak.

Small businesses processing crypto payments need:

Low fees. Every dollar counts. Larecoin's gas-only model wins decisively.

Fast settlement. Cash flow matters. Sub-second beats minutes-to-hours.

Self-custody. Control your revenue. Don't depend on third parties.

Easy accounting. NFT receipts create automatic audit trails.

Price stability. LUSD removes volatility anxiety.

CoinPayments handles the basics. Larecoin handles the basics plus everything else modern merchants actually need.

The Global Reach Factor

Processing international payments through traditional systems? Nightmare.

• Currency conversion fees

• Cross-border transaction charges

• Multi-day settlement windows

• Banking relationship requirements

Crypto eliminates borders. Both platforms enable global payments.

But Larecoin's ecosystem approach adds layers:

• Contactless POS integration

• Merchant portal management

• Multi-currency support without conversion fees

• Direct wallet-to-wallet transfers anywhere

Your coffee shop in Brooklyn can accept payments from a customer in Berlin. Same speed. Same fees. Same simplicity.

Who Should Choose CoinPayments?

Fair is fair. CoinPayments has its place.

Choose CoinPayments if:

• You need access to 2,000+ cryptocurrencies

• You prefer established platforms with longer track records

• Percentage-based fees don't significantly impact your margins

• You're comfortable with custodial solutions

It's a solid, functional payment gateway. Nothing revolutionary. Gets the job done.

Who Should Choose Larecoin?

Larecoin makes sense for merchants who want:

• Maximum fee savings (50%+ reduction versus competitors)

• Complete financial control through self-custody

• Instant settlement without waiting on intermediaries

• Built-in accounting tools via NFT receipts

• Volatility protection through LUSD integration

• Web3-native infrastructure that grows with your business

If you're serious about crypto as a long-term payment strategy: not just a novelty: Larecoin offers the infrastructure to build on.

The Bottom Line

CoinPayments is crypto payments 1.0. Functional. Familiar. Fine.

Larecoin is crypto payments 2.0. Self-custody. Gas-only fees. NFT receipts. LUSD stability. Full ecosystem integration.

For small businesses looking to cut costs and gain control, the math speaks for itself.

$5,000 annual fees versus $2,000.

Third-party custody versus self-custody.

Minutes-to-hours settlement versus sub-second finality.

Basic gateway versus complete financial operating system.

The choice becomes obvious when you look at the numbers.

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Ready to slash your payment processing fees by 50% or more? Explore the Larecoin ecosystem and see what self-custody merchant accounts actually look like.

Questions about implementation? Check out our community forums or visit the blog for more deep dives on Web3 payment solutions.