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

Crypto payments are no longer a gimmick. They're a legitimate revenue stream for small businesses worldwide.

But here's the problem. Not all crypto POS systems are created equal.

Two names keep popping up in merchant circles: Larecoin and CoinPayments. Both promise seamless crypto acceptance. Both claim to be merchant-friendly. But the similarities end there.

Let's break down which platform actually delivers for your small business.

The Quick Rundown: What Are We Comparing?

CoinPayments has been around since 2013. It's one of the OG crypto payment processors. Supports 40+ cryptocurrencies. Integrates with major e-commerce platforms like Shopify and WooCommerce.

Larecoin? Different beast entirely.

It's a full Web3 payments ecosystem built for merchant independence. Think self-custody wallets, NFT receipts, the LUSD stablecoin, and zero platform lock-in.

Same goal. Radically different approaches.

CoinPayments: The Established Player

Credit where it's due. CoinPayments built solid infrastructure for crypto merchants.

What you get:

• 40+ supported cryptocurrencies

• Ready-made plugins for Shopify, WooCommerce, Magento

• QR code POS for in-person transactions

• 0.5-1% processing fees

• MPC security infrastructure

• Blockchain analysis with 98% fraud detection accuracy

The setup is quick. Self-serve registration. Decent documentation.

But here's the catch.

CoinPayments operates on a custodial model. Your funds sit on their platform until you withdraw. They control the keys. They set the rules.

For many small business owners, that's a dealbreaker.

Larecoin: The Merchant Freedom Alternative

Larecoin flips the script on traditional crypto payment processing.

Core philosophy: You should own your payments. Not rent them.

What sets it apart:

• Self-custody by default : Your keys, your crypto, your rules

• NFT receipts : Every transaction minted as a verifiable digital receipt

• LUSD stablecoin : Avoid volatility without leaving the ecosystem

• Gas-only transfers : Minimal transaction overhead

• Contactless POS : Built for physical retail environments

• Full decentralization : No middleman controlling your funds

This isn't just a payment processor. It's an ecosystem.

Head-to-Head: The Comparison That Matters

Fee Structure

CoinPayments: 0.5-1% processing fees. 0% payout fees.

Sounds reasonable until you scale. Process $100,000 monthly? That's $500-$1,000 going straight to CoinPayments.

Larecoin: Gas-only transfers.

You pay network fees. That's it. No percentage cuts. No hidden processing fees. No monthly minimums.

For a small business watching every dollar, the math is obvious.

Custody Model

This is where the philosophies diverge completely.

CoinPayments: Custodial. They hold your crypto. You trust their security. You follow their withdrawal rules.

Larecoin: Self-custody. Your smart wallet. Your private keys. Funds hit your wallet instantly.

Why does this matter?

Remember FTX? Celsius? BlockFi?

Custodial platforms carry counterparty risk. If they get hacked, go bankrupt, or freeze withdrawals : your funds are trapped.

Self-custody eliminates that risk entirely.

NFT Receipts: A Larecoin Exclusive

Here's something CoinPayments simply doesn't offer.

Every Larecoin transaction generates an NFT receipt. A permanent, blockchain-verified record of the sale.

Why small businesses love this:

• Accounting simplicity : Every transaction is timestamped and immutable

• Customer trust : Buyers get verifiable proof of purchase

• Dispute resolution : No "he said, she said" : the blockchain doesn't lie

• Tax compliance : Clean records for year-end reporting

CoinPayments gives you transaction logs. Larecoin gives you cryptographic proof.

Stablecoin Integration

Crypto volatility scares merchants. Understandably.

CoinPayments solution: Accept USDT or USDC. Convert to fiat through their platform.

Larecoin solution: LUSD.

LUSD is Larecoin's native stablecoin. Designed specifically for the ecosystem.

Benefits:

• Instant settlement in stable value

• No third-party stablecoin dependencies

• Seamless integration with Larecoin POS

• Stay in crypto without the volatility headache

You can accept Bitcoin, Ethereum, or any supported crypto : and settle in LUSD automatically.

No price swings between transaction and withdrawal.

Platform Independence

CoinPayments: Integrated with major e-commerce platforms. But you're locked into their ecosystem.

Want to switch providers? Export your transaction history and start fresh elsewhere.

Larecoin: Built on open Web3 principles.

Your wallet is yours. Your transaction history lives on-chain. Switch platforms anytime without losing your data.

Merchant freedom isn't just a slogan here. It's the architecture.

Real-World Use Case: Coffee Shop Comparison

Let's make this concrete.

Scenario: You own a coffee shop. Average transaction: $8. Daily transactions: 150. Monthly volume: $36,000.

With CoinPayments (0.5% fee):

• Monthly processing fees: $180

• Annual cost: $2,160

• Custody: Platform-controlled

• Receipts: Standard transaction logs

With Larecoin (gas-only):

• Monthly fees: ~$15-30 (network gas)

• Annual cost: ~$180-360

• Custody: Self-custody smart wallet

• Receipts: NFT-verified for every sale

Annual savings: ~$1,800+

That's money back in your pocket. Or reinvested in better beans.

The Integration Question

Small businesses need simplicity. Nobody wants to become a blockchain developer.

CoinPayments wins on legacy integrations. If you're already running Shopify or WooCommerce, the plugins are plug-and-play.

Larecoin is building for the future. The merchant portal is designed for ease. Contactless POS works out of the box. API documentation covers custom implementations.

Different learning curves. Both accessible.

The question: Do you want to fit into an existing system? Or build on a foundation you actually own?

Security Breakdown

CoinPayments:

• MPC (Multi-Party Computation) infrastructure

• Two-factor authentication

• Blockchain analysis for fraud detection

• Centralized security team

Solid. But you're trusting their team to protect your funds.

Larecoin:

• Self-custody wallet architecture

• You control the private keys

• No centralized honeypot for hackers

• Decentralized by design

Centralized platforms are bigger targets. Self-custody distributes that risk.

Who Should Choose CoinPayments?

• Businesses deeply embedded in Shopify/WooCommerce

• Merchants comfortable with custodial solutions

• Those who prefer established legacy systems

• Businesses prioritizing "set it and forget it" simplicity

Who Should Choose Larecoin?

• Merchants who value financial sovereignty

• Businesses wanting lower long-term fees

• Those interested in Web3-native features like NFT receipts

• Crypto-forward brands building community engagement

• Anyone concerned about custodial counterparty risk

The Bottom Line

CoinPayments is a reliable workhorse. It's been around. It works.

But "works" isn't "optimal."

Larecoin represents where crypto payments are heading. Self-custody. Minimal fees. Verifiable receipts. True merchant independence.

For small businesses watching their margins and building for the future : the choice gets clearer.

Why pay percentage fees when gas-only exists?

Why trust a third party with your revenue when you can hold your own keys?

Why settle for transaction logs when you can have NFT-verified receipts?

The crypto payments space is evolving. Fast.

The question isn't whether to accept crypto anymore. It's which system sets your business up for the next decade.

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Ready to explore merchant freedom?

Check out the full Larecoin ecosystem at larecoin.com and see what decentralized payments actually look like.

Your business. Your crypto. Your rules.