Larecoin Vs CoinPayments: Which Crypto POS System Actually Slashes Interchange Fees by 50%?

Interchange fees are bleeding your business dry.

Traditional payment processors take 2.5-3.5% of every transaction. That's thousands of dollars vanishing into thin air annually. Crypto payment solutions promise relief. But which one actually delivers?

Let's break down Larecoin vs CoinPayments. One claims to slash fees by 50%+. The other... well, let's just say there's a reason you're reading this comparison.

The Fee Showdown: Gas-Only vs Percentage Cuts

Here's where things get interesting.

CoinPayments charges 0.5-1% on every transaction. Sounds reasonable, right? Better than Visa's cut. But let's do the math.

Processing $500,000 annually?

• CoinPayments: ~$5,000 in fees

• Traditional processors: ~$15,000+ in fees

• Larecoin: ~$2,000 in network fees

Larecoin operates on a gas-only model. No percentage cuts. No hidden fees. Just network costs.

That's a 60% reduction compared to CoinPayments. And we're talking 86%+ savings versus traditional processors.

The difference compounds fast. A coffee shop doing $50K monthly? CoinPayments takes $250-500 every month. Larecoin? Around $33 in gas fees.

Annual savings: $2,600-$5,600.

That's real money staying in your pocket. Not disappearing to intermediaries.

Self-Custody vs The Middleman Problem

This is where the architectural differences get crucial.

CoinPayments operates like a traditional processor. They hold your funds. Process transactions. Then release money to you. Sometimes that takes minutes. Sometimes hours. Depends on blockchain congestion.

You're trusting them with your revenue.

Larecoin eliminates the middleman entirely.

Direct merchant-to-customer transactions. Funds go straight to your wallet. No intermediary touching your money. No waiting for someone else to release what's already yours.

This isn't just about convenience. It's about financial sovereignty.

When you control your keys, you control your funds. Period.

Self-custody means:

• No account freezes

• No withdrawal limits set by third parties

• No "pending review" on large transactions

• Instant access to your revenue

CoinPayments can technically hold your funds if they suspect something. Larecoin can't. Because Larecoin never touches your money in the first place.

The LUSD Advantage: Zero Volatility Transactions

Crypto volatility scares merchants. Fair enough.

You sell a $100 product. Accept Bitcoin. Price drops 10% before you can convert. Now you've got $90.

CoinPayments doesn't solve this problem. They process various cryptocurrencies, but volatility risk stays with you.

Larecoin built LUSD specifically for this.

LUSD is Larecoin's native stablecoin. Pegged to the dollar. Zero volatility during transactions.

Customer pays $100 in LUSD. You receive $100 in LUSD. Simple.

No price swings. No conversion anxiety. No checking charts every five minutes hoping you didn't just lose 15% of your daily revenue.

Benefits of LUSD for merchants:

• Predictable revenue – what you charge is what you get

• Simplified accounting – no need to track crypto price fluctuations

• Customer confidence – buyers know exactly what they're spending

• Instant settlements – no waiting for conversions

This alone makes Larecoin the smarter choice for merchants who want crypto's benefits without its headaches.

NFT Receipts: More Than a Gimmick

CoinPayments gives you transaction records. Standard stuff.

Larecoin gives you NFT receipts.

"Why does that matter?"

Great question.

NFT receipts are immutable proof of purchase on the blockchain. They can't be altered. Can't be disputed. Can't mysteriously disappear from someone's email.

Use cases that actually matter:

• Warranty claims – Customer shows NFT receipt, no arguing about purchase date

• Returns processing – Instant verification, no hunting through systems

• Loyalty programs – Track purchases automatically, reward customers programmatically

• Tax documentation – Permanent, verifiable records for audits

• Resale authentication – Prove original purchase for secondhand markets

For high-value goods, this is massive. Luxury items. Electronics. Collectibles. The NFT receipt becomes proof of authenticity.

CoinPayments doesn't offer this. Neither does NOWPayments. It's a Larecoin exclusive.

Settlement Speed: Sub-Second vs "Eventually"

Time is money. Literally.

CoinPayments settlement times vary. Minutes to hours depending on network conditions. If Bitcoin's congested? You're waiting.

Larecoin is built on Solana.

Sub-second finality. Near-instantaneous settlements.

Customer taps. Transaction confirms. Done.

No watching confirmations tick up. No "pending" status anxiety. No blockchain congestion delays.

For busy retail environments, this matters. Nobody wants customers standing around waiting for blockchain confirmations while a line builds up.

Solana processes 65,000+ transactions per second. Your POS transaction isn't competing for block space.

Setup Complexity: QR Codes vs Integration Headaches

Getting started should be simple.

CoinPayments requires:

• Account creation with verification

• API integration or plugin installation

• Configuration of receiving wallets

• Testing and troubleshooting

• Ongoing platform dependency

Larecoin's approach:

QR-generated POS systems. Minimal setup. Connect your wallet. Generate codes. Accept payments.

No coding required. No complex integrations. No waiting for developer availability.

Small business owner with zero technical background? You can be accepting crypto payments in under an hour.

The smart wallet functionality handles the complexity behind the scenes. You focus on running your business.

The Real Cost Comparison

Let's put it all together.

Annual volume: $500,000

Factor	CoinPayments	Larecoin
Processing fees	$2,500-$5,000	~$2,000 (gas only)
Volatility risk	High	Zero (LUSD)
Settlement time	Minutes to hours	Sub-second
Self-custody	No	Yes
NFT receipts	No	Yes
Setup complexity	Moderate	Minimal

The math doesn't lie.

Larecoin saves money. Provides better features. Gives you actual control of your funds.

Who Should Use What?

CoinPayments might work if:

• You're comfortable with intermediaries holding funds

• You don't mind 0.5-1% fees

• Volatility doesn't concern you

• You don't need advanced Web3 features

Larecoin is built for:

• Merchants who want maximum savings

• Businesses requiring self-custody

• Anyone tired of percentage-based fees

• Forward-thinking brands embracing Web3

• Retailers needing instant settlements

The Verdict

CoinPayments improved on traditional processors. No question.

But Larecoin reimagined the entire system.

Gas-only fees. Self-custody. LUSD stability. NFT receipts. Solana speed. Simple setup.

50% savings compared to traditional processors isn't marketing fluff. It's architecture. When you eliminate intermediaries and percentage cuts, savings happen automatically.

The question isn't whether crypto payments make sense for merchants. That debate ended years ago.

The question is which system actually delivers on the promise.

Larecoin delivers.

Ready to stop bleeding money to interchange fees? Get started with Larecoin and keep more of what you earn.

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This post is part of Larecoin's 10-year blog marathon, exploring how Web3 payments are reshaping merchant economics and financial sovereignty.