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

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

Two names keep popping up: CoinPayments and Larecoin.

Both promise seamless crypto transactions. Both claim merchant-friendly features. But the similarities end there.

Let's break down which platform actually serves your bottom line better.

The Fee Battle: Percentage-Based vs Gas-Only

Here's where things get interesting.

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

Processing $500,000 annually? That's roughly $5,000 walking out the door in fees alone.

Larecoin operates differently. Gas-only transfers. No percentage-based fees eating into your revenue.

Same $500,000 in annual volume? Under $2,000 total. Sometimes significantly less.

That's a $3,000+ difference going straight back into your business. Every single year.

For small businesses watching every dollar, this isn't a minor detail. It's potentially the difference between profit and loss on tight-margin products.

Quick Fee Comparison

Platform	Fee Structure	Annual Cost ($500K volume)
CoinPayments	0.5-1% per transaction	~$5,000
Larecoin	Gas-only	Under $2,000

The math speaks for itself.

Self-Custody: Your Keys, Your Crypto

This one's huge.

CoinPayments uses a custodial model. They hold your funds. You trust them to release payments when you need them.

Nothing inherently wrong with that: until something goes wrong.

Exchange hacks. Platform insolvencies. Frozen accounts. We've seen it all in crypto.

Larecoin takes the opposite approach. Full self-custody. Your private keys. Your wallet. Direct transfers.

No middleman sitting between you and your money.

Payments hit your wallet immediately. No waiting. No permission needed to access your own funds.

For merchants burned by third-party custody disasters, this isn't just a feature. It's peace of mind.

Why Self-Custody Matters for Small Business

• Zero counterparty risk : Platform goes down? Your funds are already in your wallet

• Immediate access : No withdrawal delays or approval processes

• True ownership : Not your keys, not your crypto

• Independence : No account freezes or arbitrary holds

Merchant freedom isn't just a buzzword. It's how Larecoin operates.

Processing Speed: Minutes vs Sub-Seconds

Time is money. Literally.

CoinPayments processing varies. Minutes to hours depending on network congestion and confirmation requirements.

Customers waiting. Transactions pending. Uncertainty.

Larecoin runs on Solana. Sub-second finality. Near-instant processing.

Customer pays. You receive. Done.

For retail environments, this speed difference transforms the checkout experience. No awkward waiting. No "is it going through?" moments.

Just smooth, instant transactions.

NFT Receipts: The Game-Changer Nobody's Talking About

Standard digital receipts are fine. They work. Nothing special.

CoinPayments delivers exactly that. Standard receipts. Job done.

Larecoin introduces NFT-based receipts. Every transaction creates an immutable, on-chain record.

Why NFT Receipts Matter

Audit-proof documentation. No lost receipts. No disputed transactions. Everything lives permanently on-chain.

Simplified accounting. Your accountant will thank you. Every transaction timestamped, verified, immutable.

Customer disputes? Pull up the NFT receipt. End of discussion.

For businesses dealing with high-volume transactions or frequent audits, this feature alone justifies the switch.

It's not gimmicky. It's genuinely useful infrastructure.

LUSD: Solving the Volatility Problem

Accepting crypto is great. Watching its value swing 10% overnight? Less great.

CoinPayments supports multiple cryptocurrencies. Standard fare.

Larecoin includes LUSD stablecoin integration. Zero-volatility transactions. Accept crypto, hold stable value.

Plus: Push-to-card functionality for instant fiat conversion when you need it.

The LUSD Advantage

• Accept payments in any supported crypto

• Convert instantly to LUSD for stability

• Push to card when you need fiat

• No volatility exposure during conversion delays

Small businesses can't afford to gamble on crypto price swings. LUSD removes that risk entirely.

Receivables Tokens: Turning Payments Into Assets

Here's where Larecoin gets genuinely innovative.

CoinPayments processes payments. That's it.

Larecoin transforms merchant payments into receivables tokens. Your incoming payments become liquid assets.

What does that mean practically?

Cash flow flexibility. Potential financing options. A new way to think about business revenue in the Web3 ecosystem.

For forward-thinking merchants building in the decentralized economy, this feature opens doors that traditional processors can't.

Setup and Integration: What to Expect

CoinPayments offers established infrastructure. Years of operation. Familiar integrations. Minimal learning curve for traditional payment processing veterans.

Larecoin requires Web3 familiarity. Wallet setup. Understanding self-custody. Embracing decentralized infrastructure.

Be honest with yourself about your technical comfort level.

If you want plug-and-play with minimal crypto knowledge required? CoinPayments works.

If you're building a Web3-native business and want maximum control and minimum fees? Larecoin delivers.

The Independence Factor

Let's talk about something less quantifiable but equally important.

Centralized processors can change terms. Raise fees. Freeze accounts. Alter policies.

You're operating on their platform, by their rules.

Larecoin's decentralized approach means merchant independence. No single point of control. No permission required to access your own business revenue.

In an industry that's seen countless platform collapses and arbitrary account restrictions, this independence carries real value.

Who Should Choose What?

CoinPayments Fits If You:

• Want established infrastructure with minimal setup

• Prefer custodial simplicity over self-custody responsibility

• Don't mind percentage-based fees

• Need something working today with familiar processes

Larecoin Fits If You:

• Prioritize fee reduction and long-term savings

• Want full control over your funds via self-custody

• Value NFT receipts for accounting and auditing

• Need stablecoin integration for volatility protection

• Prefer decentralized infrastructure and merchant independence

• Building a Web3-native business

The Bottom Line

Both platforms process crypto payments. That's where the similarity ends.

CoinPayments offers familiar, custodial processing with established infrastructure and percentage-based fees.

Larecoin delivers gas-only fees, full self-custody, NFT receipts, LUSD stablecoin integration, and genuine merchant independence.

For small businesses watching margins closely and building for the decentralized future, the choice becomes clear.

Lower fees. Self-custody. Innovative features. True independence.

That's the Larecoin difference.

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Ready to explore what gas-only fees and self-custody can do for your business? Check out Larecoin's ecosystem and see the future of merchant crypto payments.