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

Choosing a crypto payment processor for your small business? It's a big decision. The wrong choice costs you money. The right one saves thousands annually.

CoinPayments has been around since 2013. They're established. Reliable. But established doesn't always mean best.

Larecoin entered the game with a different philosophy. Full merchant control. Gas-only fees. NFT receipts. Native stablecoin integration.

Let's break down exactly what separates these two platforms: and which one actually makes sense for your business.

The Quick Comparison

Here's the snapshot:

Feature	CoinPayments	Larecoin
Custody Model	Custodial	Full Self-Custody
Processing Fees	0.5-1% per transaction	Gas-only (network fees)
Processing Speed	Minutes to hours	Near-instant
Crypto Support	2,000+ coins	Focused ecosystem + LUSD
Transaction Records	Standard digital receipts	NFT receipts (on-chain)
Stablecoin	Third-party integrations	Native LUSD

Both work. But they work very differently.

Fee Savings: The Numbers That Actually Matter

Let's talk money. Because that's why you're here.

Say your small business processes $500,000 annually in crypto payments. Here's what you'd pay:

• Traditional processor: ~$12,500 (2.5% average)

• CoinPayments: ~$3,750 (0.75% average)

• Larecoin: Under $2,000 (gas-only model)

That's not a small difference.

CoinPayments charges a flat percentage on every transaction. Simple to understand. But those percentages add up fast.

Larecoin's gas-only transfer model flips the script. You pay blockchain network fees. Nothing else. No percentage cut. No hidden processing charges.

For a coffee shop doing 50 crypto transactions daily? The savings compound dramatically over a year.

Bottom line: Lower fees mean higher margins. Period.

Self-Custody vs. Custodial: Who Controls Your Revenue?

This is where things get philosophical. And practical.

CoinPayments uses a custodial model. They hold your funds. You trust them to release your money when you want it. They've been reliable. But it's still a third party controlling your revenue.

Larecoin operates on full self-custody. Funds hit your wallet immediately. No middleman. No waiting. No asking permission to access your own money.

Why does this matter for small businesses?

1. Cash flow control. Instant access means better cash management.

2. Reduced counterparty risk. Your funds aren't sitting on someone else's servers.

3. True ownership. The whole point of crypto is eliminating intermediaries.

If you got into crypto for decentralization and independence, custodial solutions feel like going backwards.

NFT Receipts: Not a Gimmick: A Game Changer

Standard digital receipts work fine. Until they don't.

Tax audit? Good luck finding that email from 18 months ago. Dispute with a customer? Hope you have screenshots.

Larecoin's NFT receipts solve this permanently.

Every transaction generates an on-chain, immutable receipt. It can't be altered. Can't be deleted. Can't be "lost in the system."

Benefits for your small business:

• Audit-proof records. Every transaction verified on blockchain forever.

• Dispute resolution. Undeniable proof of payment and terms.

• Professional credibility. Show customers you run a transparent operation.

• Simplified bookkeeping. All records live in one verifiable location.

CoinPayments gives you standard receipts. Larecoin gives you permanent, tamper-proof documentation.

For businesses prioritizing compliance and record-keeping, this isn't optional: it's essential.

LUSD: The Stablecoin Advantage

Crypto volatility scares merchants. Understandably.

You sell a $100 item. Accept payment in a volatile token. By end of day, it's worth $87. That's not sustainable.

CoinPayments approach: Integrate with third-party stablecoins. Multiple options. More complexity.

Larecoin approach: Native LUSD stablecoin built into the ecosystem.

LUSD offers:

• Instant settlement. No waiting for conversions.

• Dollar-pegged stability. Predictable value for accounting.

• Seamless integration. Works natively with Larecoin's POS system.

For small businesses, simplicity wins. One ecosystem. One stablecoin. Instant settlement. Done.

No juggling multiple platforms. No conversion delays. No unexpected slippage.

Processing Speed: Minutes vs. Seconds

Time is money. Literally.

CoinPayments processing time: Variable. Can take minutes. Sometimes hours. Depends on network congestion and confirmation requirements.

Larecoin processing time: Sub-second transaction finality on Solana.

For retail environments, this matters enormously.

Customer standing at checkout? They're not waiting five minutes for confirmation. They're walking away.

Larecoin's speed matches what customers expect from traditional payment methods. Tap. Done. Next customer.

CoinPayments works for online stores where instant confirmation isn't critical. For in-person retail? Speed wins.

Receivables Tokens: Turning Payments Into Assets

Here's something CoinPayments doesn't offer at all.

Larecoin's receivables tokens transform your pending payments into liquid assets. These tokens can serve as collateral. Create new business opportunities. Unlock cash flow before actual settlement.

Use cases:

• Secure short-term financing against incoming receivables

• Trade receivables on secondary markets

• Improve working capital without traditional loans

This is DeFi meeting real-world business operations. CoinPayments processes payments. Larecoin creates financial instruments.

For growth-focused small businesses, receivables tokens open doors traditional processors can't even see.

Cryptocurrency Support: Breadth vs. Depth

CoinPayments supports 2,000+ cryptocurrencies. That's impressive. But is it useful?

Most small businesses accept payments in 5-10 tokens max. Supporting 2,000 creates complexity without adding value.

Larecoin takes a focused approach. Core ecosystem tokens. LUSD stablecoin. The currencies your customers actually use.

Focused benefits:

• Simpler setup and management

• Less confusion for staff

• Streamlined accounting

• Better integration across tools

If your business specifically needs obscure altcoin support, CoinPayments has you covered. For everyone else, focus beats breadth.

Which Platform Fits Your Business?

Choose CoinPayments if:

• You need 2,000+ cryptocurrency options

• You're comfortable with custodial solutions

• Processing speed isn't critical

• You prefer established, older platforms

Choose Larecoin if:

• You want maximum fee savings

• Self-custody aligns with your values

• NFT receipts add value to your operations

• Instant processing matters for your customers

• You want receivables as financial assets

• Native stablecoin integration appeals to you

Both platforms work. Both process crypto payments.

But Larecoin was built for merchant independence. Lower fees. True ownership. Innovative features like NFT receipts and receivables tokens.

CoinPayments was built in 2013. Larecoin was built for what small businesses need now.

Making the Switch

Ready to explore what gas-only fees and self-custody mean for your bottom line?

Visit larecoin.com to see the full ecosystem. Check out the crypto section for detailed token information. Browse the blog for more comparisons and merchant guides.

Your small business deserves better than percentage cuts and custodial limitations.

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