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

Choosing a crypto POS system isn't just about accepting digital payments.

It's about keeping more of your money. Protecting your assets. And building a business that actually belongs to you.

CoinPayments has been around since 2013. They've processed billions. They support 2,000+ cryptocurrencies.

But here's the thing, being first doesn't mean being best.

Let's break down exactly how Larecoin and CoinPayments stack up. No fluff. Just facts that affect your bottom line.

The Real Cost of Processing Crypto Payments

Traditional payment processors charge 2.5% to 3.5% per transaction. That's roughly $12,500 per year on $500,000 in revenue.

CoinPayments cuts that down with their 0.5% to 1% fee structure. Better? Absolutely.

But Larecoin takes a completely different approach.

Gas-only pricing.

You pay network fees. Period. No percentage cuts. No hidden charges eating into your margins.

On that same $500,000 annual volume:

• Traditional processors: ~$12,500/year

• CoinPayments: ~$5,000/year

• Larecoin: ~$2,000/year

That's a 60% reduction compared to CoinPayments. And an 84% reduction compared to traditional rails.

Head-to-Head: The Complete Breakdown

Feature	CoinPayments	Larecoin
Processing Fees	0.5-1% per transaction	Gas-only
Custody Model	Custodial	Full self-custody
Settlement Speed	Minutes to hours	Near-instant
Smart Wallet	No	Included
Transaction Records	Standard	NFT receipts
Custom Fee Settings	No	Yes
Built-in Stablecoin	Limited options	LUSD native support
Interchange Reduction	Partial	50%+ guaranteed

The numbers don't lie.

But this comparison goes deeper than fees and features.

Why Self-Custody Actually Matters

CoinPayments operates like a traditional payment processor. They hold your funds. They control when you get paid. They're the middleman.

Sound familiar?

It should. That's exactly what Web3 was supposed to eliminate.

When you use a custodial service, you're trusting someone else with your money. Your revenue sits in their wallets until they decide to release it. If something goes wrong, technical issues, regulatory problems, or worse, your funds are at risk.

Larecoin was built different.

Every transaction goes directly to your wallet. Immediately. No waiting. No intermediary touching your revenue.

Learn more about reducing interchange fees while keeping full custody

Your money. Your wallet. Your control.

That's not just a tagline. It's the entire architecture.

NFT Receipts: More Than a Gimmick

CoinPayments gives you standard transaction records. Basic. Functional. Forgettable.

Larecoin gives you NFT receipts.

Why does this matter?

For merchants:

• Immutable proof of every transaction

• Automated accounting integration

• Dispute resolution with blockchain-verified records

• Customer loyalty programs built on verifiable purchase history

For customers:

• Proof of purchase that can't be lost or forged

• Potential future utility (rewards, access, collectibles)

• Complete transaction transparency

NFT receipts transform every sale into a permanent, verifiable record on the blockchain. No lost emails. No disputed chargebacks. No "we don't have that transaction on file."

This isn't about jumping on the NFT bandwagon. It's about using blockchain technology for what it does best, creating trust through transparency.

The LUSD Advantage

Volatility kills merchant adoption.

Nobody wants to accept $100 in crypto and wake up to $85 in their wallet. That's not a payment, that's a gamble.

CoinPayments offers some stablecoin support. But it's limited. An afterthought.

Larecoin built LUSD directly into the ecosystem.

What LUSD delivers:

• Price stability pegged to the dollar

• Instant settlement without volatility risk

• Seamless conversion from other cryptocurrencies

• Native integration with the Larecoin POS system

Customers can pay in their preferred crypto. You receive LUSD. Stable. Predictable. Spendable.

No more checking prices every morning wondering if yesterday's sales are still worth what you thought.

The Smart Wallet Difference

CoinPayments requires you to manage separate wallets, exchanges, and conversion tools. It works. But it's fragmented.

Larecoin includes a smart wallet with every merchant account.

Built-in features:

• Multi-currency support

• Automatic conversion options

• Customizable fee settings based on transaction urgency

• Direct integration with your POS system

• Real-time balance tracking

One wallet. One interface. Complete control.

You can set your own network fee preferences. Need faster settlement? Pay slightly higher gas. Running a high-volume day with less urgency? Optimize for lower costs.

CoinPayments doesn't give you that flexibility. Their system, their rules.

Real Numbers for Real Businesses

Let's get specific.

Small business processing $10,000/month:

Solution	Annual Cost	Self-Custody	Settlement Speed
Traditional	~$3,000	No	2-3 days
CoinPayments	~$600-1,200	No	Variable
Larecoin	~$200	Yes	Instant

Mid-size business processing $50,000/month:

Solution	Annual Cost	Self-Custody	Settlement Speed
Traditional	~$15,000	No	2-3 days
CoinPayments	~$3,000-6,000	No	Variable
Larecoin	~$1,000	Yes	Instant

The savings scale with your business. The bigger you grow, the more you keep.

Explore the full comparison with other payment solutions

Who Should Choose CoinPayments?

Let's be fair.

CoinPayments works for certain businesses:

• Those who prioritize supporting 2,000+ cryptocurrencies over fee optimization

• Merchants comfortable with custodial solutions

• Businesses that don't mind variable settlement times

• Those who value established track record over innovation

It's a legitimate option. It's been around for over a decade. It functions.

But if you're reading this, you're probably looking for more than "functions."

Who Should Choose Larecoin?

Larecoin is built for merchants who want:

✓ Maximum savings – Gas-only fees, 50%+ interchange reduction

✓ True ownership – Self-custody from the first transaction

✓ Instant settlement – No waiting for your money

✓ Innovation – NFT receipts, LUSD stability, smart wallet features

✓ Flexibility – Customizable fees and conversion options

✓ Future-proof architecture – Built for Web3 from the ground up

The Verdict

CoinPayments did the work of bringing crypto payments to merchants early. Credit where it's due.

But the industry has evolved.

Larecoin represents what crypto payments should have been all along: merchant-first, self-custody standard, fees that make sense.

You didn't get into business to give away percentage points on every sale. You didn't adopt crypto to recreate the same custodial systems you were trying to escape.

The choice is simple:

Pay less. Own more. Settle instantly.

Ready to slash your interchange fees by 50% while keeping full custody of every transaction?

Get started with Larecoin today

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This post is part of the Larecoin 10-year blog marathon. Join the Larecoin Community to stay updated on Web3 payments, merchant solutions, and financial sovereignty.