CoinPayments vs Larecoin: Which Receivables Token Platform Is Better for Your Merchant Growth?

Choosing the right crypto payment platform can make or break your merchant operations.

CoinPayments has been around since 2013. Massive coin support. Established reputation. But in 2026, "established" doesn't always mean "optimal."

Larecoin enters as a Web3-native contender. Built different. Receivables token architecture. Self-custody by default. NFT receipts baked in.

Let's break it down.

The Quick Verdict

CoinPayments: Legacy player. 2,000+ coins. Centralized custody. Traditional fee structures.

Larecoin: Next-gen Web3 payments. Receivables token model. Self-custody merchant accounts. LUSD stablecoin integration. Up to 50%+ fee reduction.

Both work. One positions you for future growth.

CoinPayments: The Incumbent

CoinPayments dominates the crypto payment processor space. Founded in 2013, they've processed billions in transactions.

What they offer:

• Support for 2,000+ cryptocurrencies

• Shopping cart plugins for major e-commerce platforms

• Multi-coin wallet functionality

• 0.5% transaction fee (flat rate)

• $GAU token for ecosystem rewards

The limitations:

• Custodial model: they hold your funds

• Traditional payout structures with delays

• No receivables tokenization

• Limited Web3 integration

• Standard accounting: no blockchain-verified receipts

CoinPayments works. But it operates on Web2 infrastructure with crypto bolted on top.

Larecoin: The Web3-Native Alternative

Larecoin approaches merchant payments from a fundamentally different angle.

Built ground-up for Web3. Not an afterthought. Not a retrofit.

Core differentiators:

• Receivables token architecture: tokenize incoming payments

• Self-custody merchant accounts: you control your funds. Always.

• NFT receipts for accounting: immutable, blockchain-verified transaction records

• LUSD stablecoin: volatility protection built in

• Gas-only transfers: minimal transaction overhead

• Push-to-card functionality: instant fiat access when needed

This isn't just crypto acceptance. It's financial sovereignty for merchants.

Head-to-Head: Fee Structures

Fees eat into margins. Every percentage point matters.

CoinPayments:

• 0.5% flat transaction fee

• Additional withdrawal fees vary by coin

• Currency conversion costs

• Potential monthly minimums on certain plans

Larecoin:

• Gas-only transfer model

• Dramatically reduced interchange fees

• Up to 50%+ savings versus traditional processors

• No hidden conversion costs with LUSD

The math is simple. Lower fees = higher margins = faster merchant growth.

For small businesses running tight operations, this difference compounds fast. A crypto POS system for small business needs to maximize every dollar.

Self-Custody: Who Controls Your Money?

Here's where philosophies diverge completely.

CoinPayments model: Funds flow through their wallets. They process. They hold. They release.

Standard practice for legacy processors. But not ideal.

Larecoin model: Self-custody merchant accounts. Your keys. Your funds. Your timeline.

No waiting for batch settlements. No counterparty risk on the platform. No withdrawal windows.

Financial sovereignty isn't just a buzzword here. It's architecture.

For merchants burned by frozen accounts or delayed payouts elsewhere, this matters. A lot.

The Receivables Token Advantage

This is where Larecoin genuinely innovates.

Traditional payment flow: Customer pays → Processor holds → Merchant waits → Settlement arrives.

Receivables token flow: Customer pays → Payment tokenized instantly → Merchant has liquid asset immediately.

What this enables:

• Immediate liquidity access

• Receivables as collateral for DeFi protocols

• Transparent cash flow tracking

• Programmable payment terms

• Reduced reconciliation headaches

CoinPayments doesn't offer anything comparable. It's traditional processing with crypto characteristics.

Larecoin treats your incoming payments as programmable financial instruments. Game-changing for cash flow management.

NFT Receipts: Accounting Transformed

Bookkeeping in crypto has traditionally been... painful.

Spreadsheets. CSV exports. Manual reconciliation. Auditor nightmares.

Larecoin's approach: Every transaction generates an NFT receipt. Immutable. Timestamped. Blockchain-verified.

Benefits for merchants:

• Audit-ready transaction records

• No disputed receipt authenticity

• Automated accounting integration potential

• Permanent, tamper-proof documentation

• Simplified tax preparation

NFT receipts for accounting aren't gimmicky. They're practical infrastructure for compliant operations.

CoinPayments provides transaction histories. Standard stuff. But nothing with the verification guarantees that blockchain-native receipts deliver.

LUSD Stablecoin Benefits

Volatility kills merchant adoption. Always has.

Accept Bitcoin at $95,000. Watch it dip to $88,000 before you convert. That's not sustainable.

Larecoin's solution: LUSD

A stablecoin built into the ecosystem. Accept crypto. Settle in LUSD. Lock in value.

LUSD stablecoin benefits:

• Volatility protection without fiat conversion

• Stays within the Web3 ecosystem

• Lower friction than bank settlements

• Maintains crypto liquidity advantages

• Clean on-chain accounting

CoinPayments offers conversion to various stablecoins. But LUSD integration in Larecoin is native. Seamless. No extra steps.

Global Reach Comparison

Both platforms operate globally. But implementation differs.

CoinPayments:

• 190+ countries

• Bank-dependent payout options

• Regional restrictions on certain features

• Traditional currency conversion paths

Larecoin:

• Borderless by design

• Bank-free business operations possible

• No geographic feature restrictions

• Web3 global payments infrastructure

For merchants targeting international customers, Larecoin's architecture removes friction. No banking intermediaries required. No correspondent bank fees. No settlement delays across borders.

A merchant in Lagos transacts with a customer in Berlin the same way they'd transact locally. That's the promise of Web3 global payments: delivered.

Integration & Setup

Getting started matters. Complexity kills adoption.

CoinPayments:

• Established plugins for WooCommerce, Shopify, Magento

• API documentation available

• Requires account verification

• Custodial setup process

Larecoin:

• Merchant portal access

• Contactless POS solutions

• Smart wallet integration

• Self-custody setup: you maintain control from day one

Both platforms offer reasonable onboarding. Larecoin's decentralized architecture means fewer gatekeepers in the setup process.

Who Should Choose CoinPayments?

Be fair here. CoinPayments works for specific use cases:

• Merchants needing 2,000+ coin support

• Businesses comfortable with custodial solutions

• Operations prioritizing established track records over innovation

• Those not concerned with self-custody

It's a reliable workhorse. Just not pushing boundaries.

Who Should Choose Larecoin?

Larecoin fits merchants who want:

• Self-custody merchant accounts: non-negotiable fund control

• Fee reduction: reduce merchant interchange fees significantly

• NFT receipts: blockchain-verified accounting

• Receivables tokenization: next-level cash flow management

• LUSD stability: volatility protection

• True Web3 infrastructure: not Web2 with crypto painted on

If financial sovereignty matters to your business, the choice is clear.

If bank-free operations align with your vision, Larecoin delivers.

If you're building for the next decade of commerce, not the last one: check out Larecoin.

The Bottom Line

CoinPayments built the roads. Larecoin is building the highways.

Legacy vs. innovation. Custodial vs. self-custody. Standard receipts vs. NFT verification. Traditional fees vs. 50%+ reduction.

Both accept crypto. Only one positions your merchant operations for genuine Web3 integration.

Your growth strategy determines your choice.

Choose accordingly.

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Ready to explore self-custody merchant solutions with receivables token architecture? Visit larecoin.com and see what Web3-native payments actually look like.