CoinPayments vs Larecoin: Which Web3 Global Payments Solution Is Right for Your Business?

Choosing a crypto payment processor isn't just a tech decision. It's a financial strategy.

Two names keep popping up: CoinPayments and Larecoin. Both handle crypto. Both serve merchants. But their approaches? Completely different.

One operates like a traditional payment processor with a crypto twist. The other rebuilds the entire concept of merchant payments from scratch using Web3 infrastructure.

Let's break it down.

The Fundamental Difference

CoinPayments = Custodial intermediary. They hold your money. They release it when ready.

Larecoin = Self-custody merchant accounts. Funds hit your wallet directly. No middleman.

This distinction shapes everything else.

Fee Structure: Where Your Money Actually Goes

Here's where things get interesting for any merchant looking to reduce merchant interchange fees.

CoinPayments charges 0.5-1% per transaction. Standard stuff. Process $500,000 annually? That's $2,500-$5,000 gone. Just in processing fees.

Larecoin runs on a gas-only model. No percentage fees. Zero. That same $500,000 in volume? Roughly $2,000 in network fees.

Quick math: 50%+ savings on processing costs.

For small businesses operating on thin margins, this isn't trivial. For high-volume merchants, it's transformative.

Platform	Fee Model	Annual Cost ($500K volume)
CoinPayments	0.5-1% per transaction	$2,500-$5,000
Larecoin	Gas-only	~$2,000

The difference compounds. Month over month. Year over year.

Custody: Who Controls Your Revenue?

Traditional payment processors hold your money. Banks hold your money. CoinPayments holds your money.

See the pattern?

With CoinPayments, transactions flow through their custodial system. You're dependent on a third party to access your own revenue. Standard practice in legacy finance. But is it necessary in Web3?

Larecoin flips the script. Self-custody merchant accounts mean funds go directly to your wallet. Sub-second settlement. No waiting for approvals. No release schedules.

Your money. Your wallet. Immediately.

For merchants who've dealt with frozen accounts, payment processor disputes, or arbitrary holds, this matters.

Settlement Speed: Time Is Money (Literally)

Cash flow determines survival for most businesses.

CoinPayments settlement: Minutes to hours. Variable. Unpredictable.

Larecoin settlement: Sub-second finality on Solana.

When a customer pays, you know instantly. You can use those funds instantly. No waiting. No uncertainty.

High-volume merchants processing hundreds of daily transactions? This speed difference compounds into serious operational advantages.

LUSD Stablecoin Benefits: Eliminate Volatility

Crypto volatility kills merchant adoption. Accept Bitcoin today. Worth 10% less tomorrow. Or 15% more. Who knows?

Not a viable business strategy.

Larecoin integrates LUSD, a stablecoin designed for zero-volatility transactions. Accept crypto payments. Receive stable value. Simple.

CoinPayments supports 2,000+ cryptocurrencies. Impressive variety. But variety without stability creates risk exposure.

LUSD stablecoin benefits include:

• Price stability pegged to USD

• No conversion anxiety

• Predictable accounting

• Clean financial reporting

For merchants who want crypto's benefits without crypto's chaos, stablecoin integration isn't optional. It's essential.

NFT Receipts for Accounting: The Game Changer

Here's where Larecoin gets genuinely innovative.

NFT receipts for accounting create immutable, on-chain transaction records. Every sale. Timestamped. Verified. Permanent.

Traditional receipts live in databases. They can be altered. Lost. Disputed.

NFT receipts exist on the blockchain. Forever. Auditors love this. Accountants love this. Anyone dealing with tax compliance loves this.

CoinPayments offers basic e-commerce integration. Standard invoicing. Nothing wrong with it. But it's 2020 thinking.

Feature Comparison

CoinPayments brings:

• 2,000+ cryptocurrency support

• Established reputation

• International audience reach

• Intuitive interface

• Familiar custodial model

Larecoin delivers:

• LUSD stablecoin integration

• Smart wallet with customizable network fees

• NFT receipt system

• Integrated merchant analytics

• Loyalty program infrastructure

• DAO governance participation

• Self-custody merchant accounts

• Receivables token functionality

Different philosophies. Different feature sets. Different futures.

Crypto POS System for Small Business

Small business owners don't need complexity. They need transactions that work.

CoinPayments offers plugins and integrations. Connect to your existing setup. Accept crypto. Done.

Larecoin builds the entire ecosystem, contactless POS, merchant portal, exchange integration, liquidity pools. Everything connects.

A crypto POS system for small business needs:

• Fast checkout (sub-second works)

• Stable value (LUSD handles this)

• Low fees (gas-only beats percentage)

• Clear records (NFT receipts deliver)

Both platforms can process transactions. But which architecture sets you up for the next decade of commerce?

The CoinPayments Alternative Question

Many merchants searching for a CoinPayments alternative want similar functionality with better terms. Fair.

Larecoin isn't just a CoinPayments alternative. It's a different category.

Self-custody vs. custodial. Gas-only vs. percentage fees. Web3-native vs. crypto-adjacent.

The question isn't "which does the same thing cheaper?" It's "which aligns with where payments are going?"

Bank-Free Business Operations

Here's the bigger picture.

Traditional payment processing depends on:

• Banks

• Card networks

• Payment processors

• Multiple intermediaries

Each takes a cut. Each adds delay. Each can say no.

Larecoin enables bank-free business operations. Receive payments directly. Convert when needed. Maintain full control.

Financial sovereignty isn't just ideology. It's practical risk management.

When your revenue doesn't depend on third-party permission, your business becomes more resilient.

Who Should Choose What

Choose CoinPayments if you:

• Prioritize cryptocurrency variety

• Want established, proven infrastructure

• Prefer familiar custodial models

• Need simplicity over innovation

• Don't mind percentage-based fees

Choose Larecoin if you:

• Want to slash processing fees by 50%+

• Demand self-custody and direct settlement

• Need stablecoin support for volatility protection

• Value NFT receipts for clean accounting

• Want to build on Web3 infrastructure

• Prefer gas-only cost structures

The Bottom Line

CoinPayments built a solid bridge between traditional commerce and cryptocurrency. It works. It's reliable. It's familiar.

Larecoin built something different: a native Web3 global payments solution designed from the ground up for merchants who want control, transparency, and lower costs.

The old model: Pay percentage fees. Trust intermediaries. Wait for settlement.

The new model: Pay gas only. Maintain self-custody. Settle instantly.

Your business. Your choice.

Ready to explore what Web3 payments actually look like? Check out Larecoin and see the difference.

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Processing crypto payments shouldn't cost more than it needs to. And your money shouldn't sit in someone else's wallet.