CoinPayments vs Larecoin: Which Is Better For Your Crypto POS System?

Looking for a crypto POS system for small business? You've got options. CoinPayments has been around since 2013. Larecoin is the new kid disrupting the space.

Both let you accept crypto. But that's where the similarities end.

One takes a cut. One doesn't. One holds your funds. One doesn't. One gives you NFT receipts for accounting. The other? Nope.

Let's break it down.

The Fee Showdown: Where Your Money Actually Goes

Here's the deal with payment processing fees. They add up. Fast.

CoinPayments charges 0.5-1% per transaction. Sounds small. It's not.

Run $500,000 through your POS annually? That's roughly $5,000 gone. Every year. Just in processing fees.

Larecoin operates differently. Gas-only model. No percentage cuts. Zero.

Same $500,000 volume? About $2,000 in network fees. That's it.

You're looking at 60% lower costs. Real money back in your pocket.

For merchants trying to reduce merchant interchange fees, this math matters. Every percentage point you save compounds over time. Every transaction counts.

Custody: Who Actually Controls Your Crypto?

This is where things get serious.

CoinPayments uses an intermediary custody model. Translation: They hold your money first. Then they settle it to you. Minutes to hours later.

Your funds. Their custody. Their timeline.

Larecoin flips this completely. Full self-custody from the start. Payments hit your wallet directly. Immediately. Sub-second settlement.

No middleman touching your revenue. No waiting. No asking permission to access your own money.

For businesses building toward financial sovereignty and bank-free operations, this distinction is everything. Self-custody merchant accounts aren't just a feature, they're a philosophy.

Feature-by-Feature: The Real Comparison

Feature	CoinPayments	Larecoin
Processing Fees	0.5-1%	Gas-only
Fund Custody	Intermediary	Self-custody
Settlement Speed	Minutes to hours	Sub-second
Native Stablecoin	Limited	LUSD built-in
Smart Wallet	No	Yes
NFT Receipts	No	Yes
DEX Access	No	Yes
Liquidity Pools	No	Yes

CoinPayments supports 2,000+ cryptocurrencies. Impressive roster. Basic e-commerce integrations. Gets the job done.

Larecoin takes a different approach. Optimized selection of cryptocurrencies. But packed with Web3-native features that actually matter for modern merchants.

NFT Receipts: Your Accountant Will Thank You

Here's something CoinPayments can't do.

Every transaction on Larecoin generates NFT receipts. Immutable. On-chain. Permanent.

Why does this matter?

Traditional receipts get lost. Spreadsheets corrupt. Paper fades. Digital files disappear in hard drive failures.

NFT receipts for accounting solve this. Every sale. Every refund. Every transaction. Permanently recorded on the blockchain. Auditable forever. Tamper-proof.

Tax season? Pull your complete transaction history in seconds. Dispute with a customer? The receipt exists on-chain. Permanently.

This isn't a gimmick. It's infrastructure for serious businesses.

LUSD: Stability Without the Volatility Headache

Crypto payments have one notorious problem. Volatility.

Accept Bitcoin at 10 AM. Price drops 5% by noon. Your margins just evaporated.

CoinPayments offers limited stablecoin options. Basic functionality.

Larecoin builds LUSD stablecoin benefits directly into the ecosystem. Native integration. Not an afterthought.

Accept payment in any crypto. Auto-convert to LUSD. Lock in your value. Instantly.

The LUSD stablecoin benefits extend beyond just stability. Lower gas fees for transfers. Seamless integration with the Larecoin smart wallet. Direct access to liquidity pools and DeFi opportunities.

Your revenue stays stable. Your options stay open.

The Smart Wallet Advantage

CoinPayments gives you a basic wallet. Receive funds. Send funds. Done.

Larecoin's smart wallet is a different beast entirely.

What you get:

• Customizable network fees

• Direct access to decentralized exchanges

• Liquidity pool participation

• Swap and bridge services

• All from one unified platform

This isn't just a wallet. It's a complete Web3 financial toolkit.

Receive a payment. Swap to a different token. Provide liquidity. Earn yield. All without leaving the ecosystem.

For merchants exploring receivables tokens and DeFi integration, this opens doors CoinPayments simply can't.

Global Reach: Borderless by Design

Traditional payment processors create borders. Different fees for different regions. Currency conversion headaches. Banking restrictions.

Both CoinPayments and Larecoin enable Web3 global payments. But execution matters.

CoinPayments' intermediary model means you're still dependent on their settlement processes. Their timelines. Their regional limitations.

Larecoin's self-custody approach means truly borderless commerce. Customer in Tokyo pays you at 3 AM their time? Funds in your wallet immediately. No waiting for business hours. No intermediary delays.

This is what a real CoinPayments alternative looks like. Not just matching features: reimagining the entire model.

Who Should Choose CoinPayments?

Fair assessment time.

CoinPayments makes sense if you:

• Need support for 2,000+ obscure altcoins

• Prefer established, decade-old infrastructure

• Don't mind intermediary custody

• Want simple, basic integrations

• Aren't concerned about fee optimization

It's been around since 2013. Proven. Stable. Predictable.

Who Should Choose Larecoin?

Larecoin fits if you:

• Want to slash processing fees by 50%+

• Demand self-custody of your funds

• Need NFT receipts for accounting

• Value sub-second settlement

• Want built-in stablecoin functionality

• Plan to leverage DeFi and liquidity pools

• Prioritize financial sovereignty

If you're building a modern, Web3-native business, the choice becomes obvious.

The Bottom Line

CoinPayments offers simplicity and broad cryptocurrency support. Legacy infrastructure. Proven track record.

Larecoin delivers lower fees, true self-custody, and Web3-native features. Modern infrastructure. Future-forward design.

The question isn't really "which is better."

The question is: What kind of business are you building?

If you're optimizing for the crypto economy of 2013, CoinPayments works fine.

If you're building for 2026 and beyond? Time to explore what a real crypto POS system can do.

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Ready to see the difference? Check out Larecoin and join the community discussion to connect with merchants already making the switch.