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

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

Traditional systems charge 2-3%. Crypto was supposed to fix this. But many crypto payment platforms just became the new middlemen.

If you're searching for a crypto POS system for small business, you've likely encountered two names: CoinPayments and Larecoin.

One's been around since 2013. The other is purpose-built for merchant profitability in the Web3 era.

Let's break down which one actually deserves your business.

The Quick Verdict

CoinPayments: Established. Simple. Custodial. Takes a cut of every transaction.

Larecoin: Next-gen. Self-custody. Gas-only fees. Built for merchants who want to keep their money.

Want the full picture? Keep reading.

Fee Structure: Where Your Money Actually Goes

This is where things get real.

CoinPayments Fees

0.5-1% processing fee on every transaction
Additional withdrawal fees
Network fees on top

Processing $500,000 annually? That's $2,500-$5,000 going straight to CoinPayments. Every year.

Larecoin Fees

Zero percentage cuts
Gas-only model
You pay network fees. That's it.

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

The difference: $3,000+ annually staying in your pocket.

For a small business, that's not pocket change. That's inventory. Marketing budget. A new hire.

The math is simple. Reduce merchant interchange fees by switching to a gas-only model, and watch your margins grow.

Custody: Who Actually Controls Your Revenue?

Here's the question most merchants don't ask until it's too late:

Who holds your money after a customer pays?

CoinPayments: Custodial Model

CoinPayments operates like traditional payment processors. Customer pays. CoinPayments holds the funds. You wait. Then you get access.

Sound familiar? It should. It's the same model banks have used forever.

You're trusting a third party with your revenue. Hope they don't have issues. Hope they don't freeze your account. Hope their terms don't change.

Larecoin: Self-Custody Merchant Accounts

With Larecoin, funds go directly to your wallet. Immediately. No middleman. No holding period.

This is what self-custody merchant accounts actually look like.

You accept payment. You own those funds. Instantly.

No requests. No waiting periods. No "your funds are under review."

Financial sovereignty isn't just a buzzword. It's operational reality when you control your own wallet.

Settlement Speed: Time Is Money (Literally)

Every hour your funds are locked up is an hour you can't use them.

CoinPayments Settlement

Minutes to hours (variable)
Depends on their processing queue
Withdrawals add more time

Larecoin Settlement

Sub-second finality
Solana-based architecture
Transaction complete = funds available

For businesses managing cash flow, this matters. Supplier payments don't wait. Payroll doesn't wait.

Larecoin's near-instant settlement means your revenue works for you immediately.

Features: Beyond Basic Transactions

Side-by-side comparison of old and new crypto POS terminals, highlighting custodial versus self-custody for small business payments

A crypto POS system should do more than process payments. Here's where the platforms diverge significantly.

CoinPayments Features

2,000+ cryptocurrency support
Standard transaction records
E-commerce integrations
Basic dashboard

It works. It's functional. It's what you'd expect from a platform launched in 2013.

Larecoin Features

NFT Receipts for Accounting

Every transaction generates an immutable NFT receipt. This isn't gimmicky: it's practical.

Auditors love immutable records. Tax season becomes simpler. Dispute resolution has permanent, verifiable proof.

NFT receipts for accounting transform how you document transactions.

LUSD Stablecoin

Volatility concerns? Larecoin's native LUSD stablecoin eliminates that problem.

Accept crypto. Hold stable value. The LUSD stablecoin benefits are clear: zero-volatility transactions without converting to fiat.

Smart Wallet with Customizable Fees

Not all transactions need the same priority. Larecoin's smart wallet lets you adjust network fees based on urgency.

High-priority payment? Pay more gas. Routine transaction? Minimize costs.

Integrated Ecosystem Access

One platform. Multiple tools:

Decentralized exchange
Liquidity pools
Swap services
Bridge functionality

CoinPayments processes payments. Larecoin gives you an entire Web3 global payments infrastructure.

The Receivables Token Advantage

Here's something CoinPayments simply doesn't offer.

Larecoin's receivables token lets you tokenize incoming payments. What does this mean for your business?

Use future receivables as collateral
Access liquidity without selling assets
Create new financial instruments from your revenue stream

This is DeFi for merchants. Not speculation. Practical business tools built on blockchain infrastructure.

Platform Maturity: Old vs. Purpose-Built

CoinPayments History

Launched 2013. Veteran of the space. Survived multiple market cycles.

That's worth something. Stability. Reliability. Proven track record.

But it also means legacy architecture. Built for a different era of crypto.

Larecoin Design Philosophy

Purpose-built for merchant profitability. Every feature designed with one question: Does this help businesses make more money?

NFT receipts? Accounting efficiency. LUSD stablecoin? Volatility protection. Self-custody? Financial control. Gas-only fees? Maximum margins.

This isn't a payment processor that added crypto. It's Web3-native infrastructure designed for commerce.

Who Should Use CoinPayments?

Be fair. CoinPayments isn't bad. It's just different.

Consider CoinPayments if you:

Want the simplest possible setup
Don't mind custodial models
Process low volumes where percentage fees don't hurt
Need 2,000+ cryptocurrency support immediately
Prefer established, legacy platforms

For some businesses, "it just works" is enough.

Who Should Use Larecoin?

Larecoin makes sense if you:

Process significant volume and want to reduce merchant interchange fees
Demand self-custody and financial sovereignty
Want NFT receipts for accounting and compliance
Need stablecoin support without volatility exposure
Plan to operate bank-free business operations
Want ecosystem access beyond payment processing
Seek a true CoinPayments alternative built for the current Web3 landscape

The platform rewards merchants who want more than basic processing.

Real Cost Comparison: Annual Breakdown

Let's make this concrete.

Monthly Revenue: $50,000

Platform	Annual Fees	Settlement	Custody
CoinPayments	$3,000-$6,000	Variable	Custodial
Larecoin	~$1,200	Instant	Self-custody

Potential Annual Savings with Larecoin: $1,800-$4,800

Scale that over five years. That's up to $24,000 difference.

For a small business, those numbers change trajectories.

Getting Started with Larecoin

Ready to make the switch?

Visit larecoin.com
Set up your self-custody merchant wallet
Integrate with your existing POS
Start accepting payments with gas-only fees

Questions? Check out the Larecoin community for support.

Want the technical details? The whitepaper covers everything.

The Bottom Line

CoinPayments works. It's processed billions in transactions. It's a functional crypto POS system for small business.

But functional isn't optimal.

Larecoin represents what crypto payment processing should be:

Your money, in your wallet, instantly
Gas-only fees that maximize margins
NFT receipts that simplify accounting
Stablecoin support that eliminates volatility
An entire ecosystem, not just a processor

Small businesses already fight thin margins. Your payment processor shouldn't make it harder.

Choose the platform that keeps more money where it belongs.

With you.

Explore Larecoin Pay and see the difference for yourself.