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

Running a small business in 2026? You're probably bleeding cash on payment processing fees.

Traditional systems take 2-4%. That's thousands gone: every single year.

Crypto POS systems changed the game. But not all platforms are created equal.

Today we're breaking down two major players: CoinPayments and Larecoin.

One's been around for years. The other is reshaping what Web3 global payments can look like.

Let's see which crypto POS system for small business actually delivers.

The Quick Rundown

CoinPayments is a veteran in the crypto payment space. Established. Reliable. Supports over 2,000 cryptocurrencies. It's the "safe choice" for merchants dipping their toes into crypto.

Larecoin is the CoinPayments alternative built for the next era. Self-custody. Gas-only fees. NFT receipts. Native stablecoin integration. It's designed for merchants who want full control: and maximum savings.

Both accept crypto. Both integrate with your business.

The similarities end there.

Fee Structure: Where Your Money Actually Goes

Let's talk numbers. Because this is where the real difference shows up.

CoinPayments Fees

• 0.5% to 1% processing fee on every transaction

• Additional withdrawal fees

• Currency conversion costs

Processing $500,000 annually? You're looking at roughly $5,000 in fees.

That's before any withdrawal or conversion charges hit your account.

Larecoin Fees

• Gas-only model: zero percentage cuts

• Pay only network transaction fees

• No hidden charges

Same $500,000 in annual volume? Around $2,000 total.

That's over 60% savings compared to CoinPayments.

For a small business, that difference funds a new hire. Equipment upgrades. Marketing campaigns.

Stop paying percentage fees. Start keeping what you earn.

Self-Custody vs. Custodial: Who Controls Your Money?

This is the fundamental divide.

CoinPayments: Custodial Model

CoinPayments holds your funds. They process the payment. Then they release it to you.

• Funds sit in their system

• Release times vary (minutes to hours)

• You trust a third party with your revenue

It works. But it's not your money until they say it's your money.

Larecoin: Self-Custody Merchant Accounts

Larecoin flips the script entirely.

Your customer pays. Funds hit your wallet instantly. No intermediary. No waiting. No permission needed.

Self-custody merchant accounts mean:

• Immediate access to every payment

• No third-party risk

• Complete financial sovereignty

Bank-free business operations aren't a dream. They're the default with Larecoin.

Transaction Speed: Time Is Revenue

Slow settlements kill cash flow. Period.

CoinPayments Speed

• Processing times: minutes to hours

• Depends on blockchain network congestion

• Variable and unpredictable

For time-sensitive businesses, this uncertainty creates problems. Inventory management. Service delivery. Customer experience.

Larecoin Speed

• Sub-second finality on Solana architecture

• Near-instant settlements

• Predictable and reliable

Your customer pays. You see the funds. Done.

No waiting. No wondering. No cash flow gaps.

Features That Actually Matter

Basic payment processing? That's table stakes now.

Here's where the platforms diverge.

CoinPayments Features

• 2,000+ cryptocurrency support

• Basic e-commerce integrations

• Simple setup process

• Established reputation

For merchants who want simplicity and don't need advanced features, it checks the boxes.

Larecoin Features

Everything CoinPayments offers: plus an entire Web3 ecosystem:

NFT Receipts for Accounting

Every transaction generates an immutable NFT receipt. On-chain. Permanent. Verifiable.

Tax season? Your accountant will thank you. Audits? You've got bulletproof records.

NFT receipts for accounting aren't a gimmick. They're the future of business documentation.

LUSD Stablecoin Benefits

Crypto volatility scares merchants. Understandable.

LUSD stablecoin benefits eliminate that concern:

• Zero volatility on received payments

• Instant conversion option

• Price stability built into the ecosystem

Accept crypto. Keep stable value. Simple.

Smart Wallet Integration

• Customizable network fees

• Advanced transaction controls

• Multi-asset management

Full Ecosystem Access

• Decentralized exchange

• Liquidity pools

• Swap and bridge services

• FX calibration tools

You're not just getting a payment processor. You're getting infrastructure.

Reduce Merchant Interchange Fees: Permanently

Traditional payment rails are expensive by design. Credit card networks, banks, processors: everyone takes a cut.

Crypto rails bypass that entire system.

But CoinPayments still charges percentage fees. You're trading one middleman for another.

Larecoin's gas-only model means you reduce merchant interchange fees by 50% or more.

For small businesses operating on thin margins, this is survival math.

Every dollar saved on fees is a dollar toward growth.

Who Should Choose CoinPayments?

CoinPayments makes sense if you:

• Need 2,000+ cryptocurrency support specifically

• Prefer managed, custodial services

• Want the most established name in the space

• Don't mind percentage-based fees

It's the "training wheels" option. Safe. Familiar. Limited.

Who Should Choose Larecoin?

Larecoin is built for merchants who want:

• Maximum savings through gas-only fees

• Complete control via self-custody merchant accounts

• Advanced features like NFT receipts and LUSD integration

• Instant settlements without intermediary delays

• Financial sovereignty and bank-free operations

If you're serious about building a modern, efficient business: this is the CoinPayments alternative that delivers.

The Bottom Line

CoinPayments served a purpose. It brought crypto payments to mainstream merchants.

But the game evolved.

Larecoin represents what crypto POS systems should be in 2026:

• Gas-only fees (60%+ savings)

• Instant self-custody settlements

• NFT receipts for accounting

• LUSD stablecoin benefits

• Full Web3 ecosystem access

Small businesses don't need another platform that takes a cut.

They need infrastructure that amplifies their revenue.

Make the Switch

Already using CoinPayments? Migration is straightforward.

New to crypto payments? Start with the platform built for where payments are heading: not where they've been.

Larecoin isn't just a payment processor.

It's your gateway to financial sovereignty, reduced fees, and complete merchant autonomy.

Set up your self-custody merchant account. Start accepting Web3 global payments. Keep more of what you earn.

Ready to slash your processing costs by 50%+?

Check out the Larecoin merchant portal today. Your bottom line will notice the difference immediately.