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

Small business owners. You're bleeding money on payment processing fees.

Every swipe. Every transaction. Traditional processors take their cut. And crypto payment gateways? Many of them aren't much better.

Today, we're putting two crypto POS systems head-to-head: Larecoin vs CoinPayments. One's been around since 2013. The other is redefining what Web3 payments should look like.

Let's break it down.

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The Fee Problem Nobody Talks About

Here's the reality. Traditional card processing eats 2.5-3.5% of every transaction. On $1 million in annual revenue? That's $25,000-$35,000 gone.

CoinPayments entered the scene promising lower fees. And sure, 0.5-1% per transaction sounds better than Visa's cut.

But better isn't best.

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

The math:

• CoinPayments on $500,000 volume: ~$5,000 in fees

• Larecoin on $500,000 volume: ~$2,000 in network fees

That's $3,000 back in your pocket. Every year. Scale that up and you're looking at 50%+ savings compared to traditional processors.

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Custody: The Question That Changes Everything

This is where things get philosophical. And practical.

CoinPayments holds your funds. They receive the payment. They process it. Then they release it to you. Sound familiar? It should. That's exactly how traditional payment processors work.

Larecoin does it differently. Direct merchant-to-customer transactions. Full self-custody. Funds hit your wallet immediately. No intermediary. No waiting. No asking permission to access your own money.

Why does this matter?

Three words: financial sovereignty.

When a third party holds your funds, they control your funds. They can freeze accounts. Delay withdrawals. Impose limits. We've all seen the horror stories.

Self-custody eliminates that risk entirely. Your keys. Your crypto. Your business.

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Feature Breakdown: The Full Comparison

Let's get specific.

Feature	CoinPayments	Larecoin
Custody Model	Custodial	Full self-custody
Processing Time	Minutes to hours	Near-instant
Transaction Fees	0.5-1%	Gas only
Customizable Fees	No	Yes
Smart Wallet	No	Yes
NFT Receipts	No	Yes
Native Stablecoin	No	LUSD integration
DeFi Ecosystem Access	Limited	Full

CoinPayments supports 2,000+ cryptocurrencies. That's impressive. But quantity isn't everything.

Larecoin's smart wallet connects you to decentralized exchanges, liquidity pools, and swap services. All within one unified ecosystem. It's not just a payment processor: it's a complete Web3 infrastructure.

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NFT Receipts: Not a Gimmick

Let's talk about one of Larecoin's most underrated features: NFT receipts.

"Why would I need a receipt as an NFT?"

Fair question. Here's your answer.

Traditional receipts get lost. Emails get deleted. Paper fades. Accounting becomes a nightmare.

NFT receipts are immutable records on the blockchain. Permanent. Verifiable. Auditable.

For small businesses, this means:

• Simplified tax documentation

• Instant proof of transaction

• Zero disputes about payment history

• Professional-grade record keeping

For customers, it's proof of purchase that can't be altered or destroyed.

This isn't about jumping on the NFT trend. It's about building better business infrastructure.

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The LUSD Advantage

Cryptocurrency volatility scares merchants. Understandable.

You accept Bitcoin. Bitcoin drops 10% before you convert. Your $100 sale becomes $90.

LUSD changes that equation.

Larecoin's native stablecoin integration means you can:

• Accept payments in LUSD directly

• Convert volatile crypto to LUSD instantly

• Maintain stable value without leaving the ecosystem

No more racing to off-ramp before market swings. No more spreadsheet calculations on actual received value.

Stability meets decentralization. That's the LUSD promise.

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Why Self-Custody Isn't Optional Anymore

Let's get real for a second.

The crypto industry has watched centralized platforms collapse. Exchanges freeze withdrawals. Payment processors lock accounts without warning.

When you don't hold your keys, you're trusting someone else with your livelihood.

Self-custody is the point of Web3.

It's not about being paranoid. It's about being practical. Small businesses can't afford to have funds locked for "review" during their busiest season. They can't wait 3-5 business days for settlements.

Larecoin's architecture was built for this reality:

• Instant settlement to your wallet

• No withdrawal limits

• No approval processes

• No third-party control

Your business. Your money. Immediately accessible.

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Processing Speed Matters

CoinPayments transactions take minutes to hours. Variable. Unpredictable.

At a busy coffee shop? That's a line out the door.

Larecoin's near-instant processing keeps commerce moving. Customer pays. You receive. Transaction complete.

Speed isn't just convenience. It's customer experience. It's operational efficiency. It's competitive advantage.

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The Real Cost of "Established" Infrastructure

CoinPayments has been around since 2013. Longevity matters. Trust matters.

But here's the flip side.

Legacy systems carry legacy limitations. They were built for a different era of crypto. Before DeFi. Before NFTs. Before the Web3 explosion.

Larecoin was built for where crypto is going. Not where it's been.

• Smart wallet integration

• DeFi ecosystem access

• NFT functionality

• Stablecoin-native design

• Self-custody from day one

Innovation isn't about age. It's about architecture.

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Who Should Choose What?

Choose CoinPayments if:

• You need support for 2,000+ cryptocurrencies

• You're comfortable with custodial solutions

• Legacy infrastructure feels safer to you

Choose Larecoin if:

• You want 50%+ lower processing costs

• Self-custody is non-negotiable

• NFT receipts and LUSD integration matter

• You're building for the Web3 future

• Instant settlements are critical

For most small businesses in 2026? The choice is clear.

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The Bottom Line

CoinPayments did important work bringing crypto payments to merchants. Credit where it's due.

But the industry has evolved. Merchant needs have evolved. The technology has evolved.

Larecoin represents the next generation of crypto POS systems. Lower fees. True self-custody. Near-instant processing. NFT receipts. LUSD stability. Full DeFi ecosystem access.

Small businesses deserve better than repackaged traditional payment processing with crypto branding. They deserve infrastructure built for financial sovereignty and growth.

Ready to cut your processing fees by 50%+?

Explore Larecoin and see what Web3 payments should look like.

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This post is part of the Larecoin 10-year blog marathon. Building the future of merchant payments, one article at a time.