Larecoin vs CoinPayments: Which Web3 Global Payments Solution Is Better for Your Business?

Choosing your crypto payment processor isn't just a technical decision.

It's a financial one. A custody one. A future-of-your-business one.

CoinPayments has been around since 2013. They've processed billions. They support over 2,000 cryptocurrencies. Solid track record.

But here's the thing: the Web3 payments landscape has evolved. Dramatically.

Larecoin represents the next generation: a CoinPayments alternative built from the ground up for merchants who want to actually keep more of their revenue.

Let's break it down.

The Fee Structure: Where Your Money Actually Goes

This is where things get interesting.

CoinPayments:

• 0.5% to 1% per transaction

• Processing $100,000/month? You're paying $500–$1,000 in fees. Every single month.

• That's $6,000–$12,000 annually. Gone.

Larecoin:

• Gas-only transfer model

• No percentage-based fees

• Same $100,000/month? You're paying pennies in Solana network fees.

Do the math. That's potentially a 50%+ reduction in merchant interchange fees with zero compromise on functionality.

For small businesses running tight margins, this isn't just savings. It's survival money. Growth capital. Marketing budget you didn't know you had.

The traditional payment processing model extracts value from every transaction. Larecoin flips that script entirely.

Custody: Who Actually Controls Your Revenue?

Here's a question every merchant should ask:

When a customer pays you, who holds that money first?

CoinPayments operates on a custodial model. Your crypto goes to their platform. They hold it. You trust them to keep it safe. You trust them to give you access when you need it.

That's fine. Until it isn't.

Larecoin operates on full self-custody. Your funds go directly to YOUR wallet. Immediately. No intermediary sitting between you and your revenue.

This isn't paranoia. It's pragmatism.

With self-custody merchant accounts, you eliminate:

• Withdrawal delays

• Platform freezes

• Counterparty risk

• Custodial fees

Your money. Your wallet. Your control.

Transaction Speed: Because Time Is Money

Nobody wants to wait around for payment confirmation. Your customers don't. You definitely don't.

CoinPayments: Minutes to hours for processing. Standard for traditional crypto payment gateways. Acceptable. Not exceptional.

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

For a crypto POS system for small business, this matters. A lot.

Picture a busy coffee shop. Or a packed retail floor. Customers expect tap-and-go speed. Sub-second finality means your crypto payments feel as instant as card payments.

No awkward waiting. No "let me check if that went through." Just done.

Unique Features: The Real Differentiators

Here's where Larecoin pulls ahead significantly.

NFT Receipts for Accounting

Traditional receipts live in email folders. Paper drawers. Forgotten attachments.

Larecoin generates NFT receipts: immutable, on-chain transaction records that can't be altered, lost, or disputed.

For accounting? This is revolutionary.

Every transaction is:

• Permanently recorded on blockchain

• Audit-proof

• Instantly verifiable

• Impossible to forge

Your accountant will thank you. Your auditors will be impressed. Your record-keeping becomes bulletproof.

LUSD Stablecoin Integration

Volatility is crypto's biggest merchant objection.

"I accepted Bitcoin yesterday. It dropped 10% overnight. Now I'm in the red."

Sound familiar?

Larecoin's LUSD stablecoin benefits eliminate this entirely. Gas-only transfers. Zero volatility. Your $100 payment stays $100.

This is how you get merchants off the fence about accepting crypto. Remove the risk. Keep the benefits.

Receivables Tokenization

Here's where things get genuinely innovative.

A receivables token converts your merchant payments into liquid assets. Your incoming revenue stream becomes tradeable. Financeable. Useful in ways traditional payments simply can't match.

This unlocks:

• Improved cash flow management

• New financing options

• Liquidity without selling your actual crypto

• Bank-free business operations

CoinPayments doesn't offer this. Most payment processors don't even understand the concept yet.

Push-to-Card Functionality

Need fiat? Fast?

Larecoin's push-to-card feature enables instant crypto-to-fiat conversion. Your crypto revenue can hit your debit card immediately.

No waiting for bank transfers. No exchange delays. Just instant access to your money in whatever form you need it.

Global Reach: Banking vs. Bank-Free

CoinPayments operates through traditional banking relationships. That means standard crypto restrictions apply. Certain regions are limited. Certain merchants get flagged. The traditional financial system still has its hooks in.

Larecoin is Web3-native. No banking relationships required. No legacy financial infrastructure between you and your global customers.

For Web3 global payments, this distinction matters enormously.

Want to accept payments from anywhere on Earth? Without permission from intermediaries? Without worrying about which banks will or won't process your transactions?

That's the Larecoin model. True financial sovereignty for merchants.

The Cryptocurrency Support Question

Fair point for CoinPayments: they support 2,000+ cryptocurrencies.

That's impressive breadth. If accepting obscure altcoins is your priority, they've got you covered.

Larecoin takes a different approach. Deeper integration with fewer assets. Quality over quantity.

The question is: what do your customers actually pay with?

For most merchants, 95%+ of crypto payments come from a handful of major assets. Supporting 2,000 tokens sounds great. Actually needing them? Rare.

Which One Is Right for Your Business?

Let's make this simple.

Choose CoinPayments if:

• You need maximum cryptocurrency variety

• You're comfortable with custodial solutions

• Current fee structures work for your margins

• You prefer established, older platforms

Choose Larecoin if:

• You want to reduce merchant interchange fees dramatically

• Self-custody is non-negotiable

• NFT receipts and receivables tokenization interest you

• Speed and Web3-native features matter

• You're building for financial sovereignty, not just payment processing

For merchants serious about keeping more of their revenue: while accessing genuinely innovative features: Larecoin represents where the industry is heading.

CoinPayments serves a purpose. They've been reliable for years.

But reliable and revolutionary are different things.

The Bottom Line

The payments industry is undergoing a fundamental shift.

From custodial to self-custody. From percentage fees to gas-only. From paper receipts to NFT records. From traditional banking to bank-free operations.

CoinPayments built their platform for the crypto landscape of 2013. Larecoin built theirs for where Web3 payments are heading in 2026 and beyond.

The features you need tomorrow? Larecoin has them today.

Ready to see the difference for yourself?

Explore how Larecoin slashes your interchange fees or learn more about our ecosystem.

Your revenue. Your custody. Your rules.

That's the Larecoin way.