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

Running a small business in 2026? You're probably tired of watching payment processors eat into your margins.

Traditional credit card fees. Chargebacks. Delayed settlements. The whole system feels rigged against merchants.

Crypto POS systems offer a way out. But not all solutions are created equal.

Today we're putting two major players head-to-head: CoinPayments and Larecoin. One's been around since 2013. The other was built from scratch to solve the exact problems merchants face today.

Let's break it down.

The Fee Structure: Where Your Money Actually Goes

This is where things get interesting.

CoinPayments charges 0.5-1% on every transaction. Sounds reasonable compared to the 2.5-3.5% traditional processors take. But let's do the math.

Running $500,000 in annual volume? That's $3,750 going straight to CoinPayments. Every single year.

Larecoin operates differently. Gas-only model. No percentage-based fees. Ever.

Same $500,000 volume? Approximately $2,000 in total costs. Network fees only.

That's 50%+ savings. Right back in your pocket.

Scale this up to $5 million in annual volume. The savings exceed $50,000 annually. That's an employee salary. A marketing budget. Real money that stays with your business instead of disappearing into processor fees.

The difference isn't marginal. It's transformational.

Fund Custody: Who Controls Your Money?

Here's the question every merchant should ask: Where does my money go after a customer pays?

CoinPayments operates custodially. Your customer pays. CoinPayments holds those funds. You wait for withdrawal processing. You trust a third party with your revenue.

Sound familiar? It should. That's exactly how traditional payment processors work.

Larecoin flips the script entirely.

Full self-custody. Payments go directly to your wallet. Immediately. No intermediary ever touches your funds. No waiting periods. No custody risk.

Your money. Your wallet. Your control.

For small business owners who've dealt with frozen accounts, delayed settlements, or surprise holds, this matters. A lot.

Settlement Speed: When Do You Actually Get Paid?

Time is money. Literally.

CoinPayments offers variable processing. Minutes to hours depending on network conditions. No way to prioritize urgent settlements.

Larecoin runs on Solana. Near-instant settlement. Plus customizable network fees, adjust your costs based on urgency.

Need immediate access to funds for payroll or inventory? Bump the gas. Running standard operations? Keep costs minimal.

Flexibility traditional processors never offered.

Feature Comparison: The Full Picture

Feature	CoinPayments	Larecoin
Processing Fees	0.5-1%	Gas-only
Fund Custody	Custodial	Full self-custody
Settlement Speed	Variable	Near-instant
NFT Receipts	No	Yes
Smart Wallet	No	Yes
Native Stablecoin	No	LUSD
DEX/Liquidity Access	No	Yes
Cryptocurrencies	2,000+	Comprehensive
Merchant Analytics	Basic	Advanced
Ecosystem Integration	Limited	Full (LareBlocks, DAO, rewards)

CoinPayments offers broad cryptocurrency support. 2,000+ coins. That's impressive breadth.

But breadth without depth creates limitations. No NFT receipts for accounting. No native stablecoin. No smart wallet functionality.

Larecoin was purpose-built for merchant receivables. Every feature designed around what businesses actually need.

NFT Receipts: The Accounting Game-Changer

Traditional receipts? Paper. PDFs. Lost in email folders. Disputed during audits.

NFT receipts change everything.

Every transaction generates an immutable on-chain record. Timestamped. Verifiable. Permanent.

Tax season? Pull your NFT receipt history. Instant documentation.

Customer disputes? On-chain proof settles it immediately.

Audits? Blockchain records don't lie.

CoinPayments doesn't offer this. Larecoin built it into the core architecture.

LUSD Stablecoin: Eliminate Volatility Risk

Crypto volatility scares merchants. Understandably.

Accept Bitcoin at $95,000. It drops to $90,000 before you convert. You just lost 5% on that transaction.

LUSD eliminates this entirely.

Larecoin's native stablecoin maintains dollar parity. Accept payments. Hold LUSD. Zero volatility exposure.

Convert when you want. On your timeline. Not because the market forced your hand.

CoinPayments? You're on your own with volatility management.

The Smart Wallet Advantage

Larecoin's Smart Wallet isn't just storage. It's a complete financial toolkit.

• DEX access: Trade directly from your wallet

• Liquidity pools: Put idle funds to work

• Bridge functionality: Move assets across chains

• Merchant analytics: Real-time business intelligence

CoinPayments gives you payment processing. Period.

Larecoin gives you an entire ecosystem.

Who Should Choose CoinPayments?

Let's be fair. CoinPayments has its place.

• Established since 2013

• Proven track record

• 2,000+ cryptocurrency support

• Familiar custodial model

If you need to accept obscure altcoins and don't mind traditional processor architecture, CoinPayments works.

But you'll pay more. Wait longer. Give up control.

Who Should Choose Larecoin?

Larecoin makes sense for merchants who want:

• Maximum cost savings: 50%+ fee reduction

• Complete fund control: Self-custody standard

• Instant settlement: Solana-powered speed

• Future-proof features: NFT receipts, LUSD, smart wallet

• Ecosystem benefits: DAO governance, loyalty programs, merchant analytics

Small businesses prioritizing financial sovereignty. Merchants tired of intermediaries taking cuts. Entrepreneurs building bank-free operations.

That's the Larecoin merchant.

Real Numbers for Real Businesses

Let's make this concrete.

Coffee Shop

• Annual revenue: $200,000

• CoinPayments fees: ~$1,500/year

• Larecoin fees: ~$800/year

• Savings: $700

E-commerce Store

• Annual revenue: $1,000,000

• CoinPayments fees: ~$7,500/year

• Larecoin fees: ~$4,000/year

• Savings: $3,500

Retail Chain

• Annual revenue: $5,000,000

• CoinPayments fees: ~$37,500/year

• Larecoin fees: ~$20,000/year

• Savings: $17,500

Every dollar saved compounds. Month after month. Year after year.

The Verdict

CoinPayments built a functional crypto payment processor on traditional architecture. Custodial. Percentage-based. Familiar.

Larecoin built something different. Self-custody native. Gas-only fees. Full ecosystem integration.

For small businesses serious about reducing merchant interchange fees and maintaining complete control over their funds, the choice is clear.

Lower costs. Instant settlement. Self-custody. NFT receipts. Native stablecoin.

Larecoin delivers what the next generation of merchants actually need.

Ready to slash your payment processing costs by 50%+? Explore Larecoin and see what a real crypto POS system for small business looks like.

Your margins will thank you.