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

Crypto payments are going mainstream. Small businesses everywhere are asking the same question: which POS system actually delivers?

Two major players. Two very different approaches.

CoinPayments has been around since 2013. They support 2,000+ cryptocurrencies. Established. Trusted by many.

Larecoin? The disruptor. Built for merchants who want control, lower fees, and Web3-native features that legacy platforms simply can't match.

Let's break it down.

The Fee Battle: Where Your Profits Actually Go

Here's the truth most payment processors don't want you to hear.

CoinPayments charges 0.5-1% on every transaction. Sounds small, right? Run the numbers.

Processing $500,000 annually? That's $2,500 to $5,000 gone. Every year. Forever.

Larecoin operates on a gas-only model. No percentage cuts. No hidden fees eating into your margins.

Same $500,000 in annual volume? Approximately $2,000 in network fees. That's it.

The math is simple:

• CoinPayments: $5,000/year

• Larecoin: $2,000/year

• Your savings: $3,000+ annually

For small businesses operating on tight margins, that difference matters. A lot.

Traditional payment processors charge 2.5-3.5%. Larecoin claims 50%+ savings compared to those legacy systems. CoinPayments? Still playing by the old rules.

Self-Custody: Your Money, Your Control

This is where things get interesting.

CoinPayments holds your funds. They're an intermediary. You sell something, the crypto goes to them first. Then you request a withdrawal. Then you wait.

Processing delays. Withdrawal requests. Someone else controlling your money.

Sound familiar? It should. That's how traditional banking works.

Larecoin flips the script entirely.

Full self-custody. When a customer pays, funds go directly to YOUR wallet. Immediately. No middleman. No permission needed.

This isn't just a technical difference. It's philosophical.

Cryptocurrency was built on the promise of financial freedom. Decentralization. Being your own bank.

Larecoin delivers on that promise. CoinPayments? They've essentially recreated the traditional payment model with crypto characteristics.

For merchants who value independence, the choice becomes obvious.

Transaction Speed: Time Is Money

Your customer just paid. How long until you can use those funds?

CoinPayments: Variable. Could be minutes. Could be hours. Depends on the blockchain, network congestion, and their internal processing.

Larecoin: Near-instant.

Built on Solana. Sub-second finality. Your funds arrive before your customer walks out the door.

Here's why this matters for small businesses:

• Cash flow optimization – Access funds immediately

• Customer experience – Instant confirmation builds trust

• Operational efficiency – No reconciliation headaches

In retail, speed wins. Larecoin delivers.

LUSD: The Stablecoin Advantage

Crypto volatility scares merchants. Understandably.

You accept $100 in Bitcoin. Twenty minutes later, it's worth $95. Ouch.

CoinPayments offers access to various stablecoins. But conversions require third-party services. Extra steps. Extra fees. Extra friction.

Larecoin's answer: LUSD.

Natively integrated. Zero-volatility transactions. No third-party conversions needed.

Accept payment in LUSD. Hold it in LUSD. Spend it in LUSD. Simple.

The stablecoin is built into the ecosystem from day one. Not bolted on as an afterthought.

For merchants who want crypto's benefits without the price swings, LUSD changes everything.

NFT Receipts: Welcome to Web3 Commerce

Here's a feature CoinPayments doesn't have. At all.

Larecoin offers NFT receipts.

Every transaction can generate a unique, verifiable digital receipt. Stored on-chain. Permanent. Immutable.

Why does this matter?

• Proof of purchase – Indisputable, blockchain-verified

• Customer engagement – Collectible receipts create brand loyalty

• Warranty tracking – Automated, transparent, trustless

• Returns management – Streamlined verification process

This isn't just a gimmick. It's the future of commercial record-keeping.

CoinPayments gives you standard transaction records. Larecoin gives you Web3-native infrastructure.

Feature Comparison: The Full Picture

Feature	Larecoin	CoinPayments
Processing Fees	Gas-only	0.5-1%
Fund Custody	Self-custody	Intermediary
Settlement Speed	Sub-second	Minutes to hours
Native Stablecoin	LUSD	None
NFT Receipts	Yes	No
Smart Wallet	Yes	No
Customizable Network Fees	Yes	No
Setup Time	Minutes	Hours
Cryptocurrencies	Comprehensive	2,000+

CoinPayments wins on one metric: raw cryptocurrency diversity. Eleven years of development gives them support for over 2,000 tokens.

But here's the question: does your small business actually need 2,000 options?

Most merchants accept a handful of major cryptocurrencies. Bitcoin. Ethereum. Solana. Stablecoins.

Larecoin covers what matters. With better terms across the board.

The Smart Wallet Difference

Larecoin includes a smart wallet. CoinPayments doesn't.

What does this mean for your business?

Customizable network fees. Optimize costs based on urgency. Need instant settlement? Pay slightly more gas. Can wait a few seconds? Pay less.

CoinPayments offers no such flexibility. Their fee structure is their fee structure. Take it or leave it.

Integrated ecosystem access. The Larecoin smart wallet connects you to:

• Decentralized exchange

• Liquidity pools

• Swap and bridge services

• Merchant portal

One wallet. Complete ecosystem access. No juggling multiple platforms.

Setup: Get Started Fast

Time matters. Especially for small business owners wearing twelve hats.

CoinPayments setup: Low to moderate complexity. Expect to spend a few hours. Account verification. Integration configuration. Withdrawal setup.

Larecoin setup: Minutes.

Connect your wallet. Configure your POS. Start accepting payments.

The self-custody model eliminates most onboarding friction. No KYC delays for fund access. No waiting for approval. Your wallet, your rules.

Who Should Choose CoinPayments?

Fair is fair. CoinPayments has legitimate use cases.

Consider CoinPayments if you:

• Need support for obscure altcoins

• Prefer established platforms with decade-long track records

• Don't mind intermediary custody

• Accept higher fees as cost of doing business

They've been around since 2013. They've processed billions. That history counts for something.

Who Should Choose Larecoin?

Larecoin is built for a different merchant.

Choose Larecoin if you:

• Prioritize keeping more of your revenue

• Want instant access to your funds

• Believe in crypto's self-custody principles

• Value Web3-native features like NFT receipts

• Need fast settlement for smooth operations

• Want stablecoin transactions without conversion friction

The platform aligns with cryptocurrency's original vision. Decentralization. Merchant freedom. Financial independence.

The Verdict

CoinPayments built a crypto payment processor that works like a traditional payment processor. Intermediary custody. Percentage fees. Variable processing times.

Larecoin built something different. A truly decentralized payment solution where merchants maintain control, minimize costs, and access Web3-native features.

For small businesses entering the crypto payment space in 2026, the question isn't just "which platform works?"

It's "which platform aligns with why crypto exists in the first place?"

Lower fees. Self-custody. Instant settlement. NFT receipts. Native stablecoins.

Larecoin delivers merchant freedom. Not just crypto acceptance.

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Ready to explore what decentralized payments can do for your business? Visit larecoin.com and join the Larecoin Community to connect with merchants already making the switch.