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

Choosing the right crypto payment processor can make or break your business margins.

Two names keep coming up: CoinPayments and Larecoin. Both promise to help you accept crypto. But the similarities pretty much end there.

One holds your money. The other doesn't.

One charges traditional fees. The other slashes them.

Let's break down which crypto POS system actually serves small business owners better in 2026.

The Fundamental Difference: Who Controls Your Money?

This is the big one.

CoinPayments uses a custodial model. They hold your funds. You wait for withdrawals. Processing times range from minutes to several hours while your money sits in their wallets.

Larecoin uses full self-custody. Payments go directly to your wallet. Near-instant settlement. You control your private keys. No withdrawal delays.

Think about what this means for your daily operations.

With custodial systems, you're trusting a third party with your revenue. If something goes wrong on their end, server issues, security breaches, policy changes, your cash flow takes the hit.

Self-custody eliminates that middleman risk entirely. Your money. Your wallet. Your control.

For small businesses operating on tight margins, that independence matters.

Fee Comparison: Where Your Profits Actually Go

Let's talk numbers.

CoinPayments charges 0.5-1% processing fees. Sounds low compared to traditional credit card processors. But those percentages add up fast.

Running $500,000 in annual revenue? That's roughly $3,750 per year going straight to processing fees.

Larecoin claims 50%+ fee reduction compared to traditional processors. Traditional rates typically run 2.5-3.5%. That translates to approximately $6,250-$8,750 in annual savings for the same $500,000 business.

The math is straightforward. Lower fees = higher margins = more room to grow.

Small businesses don't have money to throw away on unnecessary processing costs. Every percentage point matters when you're building something.

Settlement Speed: Time Is Money

CoinPayments settlement: Minutes to hours. Variable.

Larecoin settlement: Near-instant on Solana with sub-second finality.

Why does speed matter?

Cash flow timing affects everything. Inventory purchases. Payroll. Rent. Operating expenses don't wait for your payment processor to release funds.

Near-instant settlement means you can reinvest revenue immediately. No waiting. No wondering when funds will clear.

For seasonal businesses or those managing tight inventory cycles, this speed advantage becomes critical.

Feature-by-Feature Breakdown

Here's the complete comparison:

Feature	CoinPayments	Larecoin
Custody Model	Custodial	Self-custody
Processing Fees	0.5-1%	50%+ reduction
Settlement Speed	Minutes to hours	Near-instant
Network Fee Customization	No	Yes
NFT Receipts	No	Yes
Smart Wallet	No	Yes
LUSD Stablecoin	No	Yes
Setup Time	Hours	Minutes
Established Since	2013	Newer entrant

CoinPayments has longevity. Established in 2013. That track record provides stability for merchants who prioritize proven systems.

Larecoin brings innovation. NFT receipts. Smart wallet integration. Native LUSD stablecoin for zero-volatility transactions.

Different priorities lead to different choices.

The LUSD Advantage: Eliminating Volatility Risk

Crypto volatility scares merchants. Understandably so.

Accept a $100 payment in Bitcoin. Wake up tomorrow to find it's worth $85. That's not sustainable for small business operations.

LUSD changes the equation.

Larecoin's native stablecoin integration means you can accept crypto payments that maintain stable value. No more worrying about market swings eating into your margins overnight.

Your customers get the convenience of crypto payments. You get the stability of predictable revenue.

CoinPayments supports 40+ cryptocurrencies. That's variety. But variety without stability creates operational headaches for merchants who need consistent cash flow projections.

NFT Receipts: The Feature You Didn't Know You Needed

Traditional receipts? Forgettable. Lost in email folders. Thrown in desk drawers.

NFT receipts are different.

Every transaction becomes a verifiable, permanent record on-chain. Customers get proof of purchase that can't be disputed, lost, or altered.

For small businesses, this creates:

• Simplified accounting : Every transaction automatically documented

• Dispute resolution : Immutable proof of purchase

• Customer engagement : Collectible receipts that build brand loyalty

CoinPayments doesn't offer this. It's a Larecoin-exclusive feature that positions forward-thinking merchants ahead of the curve.

Smart Wallet Integration

Larecoin's smart wallet simplifies the entire payment acceptance process.

One wallet. Multiple currencies. Instant access.

No juggling multiple platforms. No complex technical setups. Connect your wallet. Start accepting payments. That's it.

For small business owners who aren't crypto-native, this accessibility matters. You shouldn't need a computer science degree to accept digital payments.

Setup takes minutes, not hours. Get operational fast. Start saving on fees immediately.

The Ecosystem Approach

Here's where Larecoin really separates itself.

CoinPayments is a payment processor. It does one thing reasonably well.

Larecoin is an entire ecosystem:

• LARE : Receivables token

• LUSD : Stablecoin for zero-volatility transactions

• LarePAY : Merchant processing

• Self-custody solutions : Full control over your funds

• Smart wallet : Unified payment management

This integrated approach means everything works together seamlessly. No cobbling together multiple services from different providers. One ecosystem. One experience.

For merchants seeking long-term solutions rather than quick fixes, this ecosystem model provides growth potential that standalone processors can't match.

Who Should Choose CoinPayments?

CoinPayments makes sense if you:

• Prioritize established track record over innovation

• Feel comfortable with custodial models

• Don't mind standard processing fees

• Accept variable settlement times

• Don't need NFT receipts or smart wallet features

It's a reliable option for basic crypto acceptance. Been around since 2013. Proven stability.

Who Should Choose Larecoin?

Larecoin makes sense if you:

• Want maximum control over your funds

• Prioritize fee reduction and profit margins

• Need near-instant settlement for cash flow

• Value stablecoin integration for volatility protection

• Want innovative features like NFT receipts

• Prefer ecosystem solutions over single-purpose tools

Small businesses looking for independence and efficiency will find Larecoin's model more aligned with their operational needs.

Making the Switch

Already using CoinPayments? Switching isn't complicated.

Larecoin setup takes minutes. Connect your wallet. Configure your preferences. Start accepting payments with lower fees immediately.

No lengthy approval processes. No waiting for account verification. Self-custody means you're in control from day one.

The Bottom Line

Both platforms accept crypto payments. That's where the comparison gets interesting.

CoinPayments offers stability and simplicity with a traditional custodial approach. For merchants who just want basic crypto acceptance without bells and whistles, it works.

Larecoin offers merchant freedom through self-custody, significant fee savings, near-instant settlement, and innovative features that position your business for the future of commerce.

The choice depends on what you value more: proven reliability or innovative efficiency.

For small businesses watching every percentage point of margin, Larecoin's fee structure and self-custody model deliver real operational advantages.

Your money. Your wallet. Your business. Your choice.

Ready to explore what Larecoin can do for your small business? Check out larecoin.com to get started.