Looking For a CoinPayments Alternative? Here Are 10 Things You Should Know

Shopping for a CoinPayments alternative?

You're not alone.

Legacy crypto payment processors built for 2017 aren't cutting it in 2026. Merchants need more than just payment acceptance: they need freedom, lower fees, and actual control over their funds.

Here are 10 things you absolutely need to know before switching.

1. Fee Structure: The Hidden Cost Killer

CoinPayments charges 0.5% per transaction. Sounds reasonable, right?

Wrong.

That 0.5% adds up fast. On $100k monthly volume, you're paying $500 just to accept payments. Scale that to $1M and you're hemorrhaging $5,000 monthly.

NOWPayments sits at 0.4-0.5% depending on volume. Still expensive.

Larecoin changes the game.

Lareblocks Layer-1 infrastructure slashes fees by 50-80% compared to traditional processors. Gas-only transfers mean merchants keep more of what they earn.

That $5,000 monthly expense? Now closer to $1,000 or less.

Do the math on your volume. The savings compound.

2. Self-Custody: Who Actually Owns Your Money?

CoinPayments holds your funds. They custody. You wait for withdrawals.

NOWPayments operates non-custodially but still routes through their infrastructure.

Real question: Who controls your business capital?

Larecoin's self-custody model puts merchants in complete control. No intermediaries. No withdrawal delays. No frozen accounts.

Your wallet. Your keys. Your crypto.

Merchant independence isn't optional anymore: it's survival. Traditional payment processors can freeze accounts without warning. Self-custody eliminates that risk entirely.

3. Cryptocurrency Support: Quality Over Quantity

CoinPayments touts 2,300+ cryptocurrencies.

Impressive number. Meaningless metric.

Most merchants need 5-10 popular tokens. Bitcoin. Ethereum. USDT. USDC. Solana.

Supporting 2,300 obscure coins creates complexity without value. Cluttered interfaces. Confusing checkout experiences. Higher maintenance costs.

Larecoin focuses on what merchants actually use:

• Major cryptocurrencies

• Stablecoins (including LUSD)

• NFT-compatible payments

• Direct wallet transfers

Clean. Simple. Effective.

4. NFT Receipts: The Future of Transaction Records

Traditional processors issue boring transaction IDs.

Larecoin issues NFT receipts.

Why does this matter?

NFT receipts are permanent, blockchain-verified records. Customers can't dispute charges with falsified claims. Merchants have cryptographic proof of every transaction.

Plus, NFT receipts unlock loyalty programs, collectible experiences, and secondary market opportunities.

CoinPayments can't do this. NOWPayments can't do this.

Only Larecoin's Web3-native infrastructure makes NFT receipts possible at scale.

5. LUSD Integration: True Decentralized Stablecoin Payments

Most processors support USDT and USDC. Both are centralized stablecoins controlled by corporations.

Circle can freeze USDC. Tether has transparency concerns.

LUSD is different.

Liquity's LUSD is fully decentralized. No central authority. No freeze risk. No censorship.

Larecoin's native LUSD integration gives merchants access to genuinely independent stablecoin payments. Perfect for merchants prioritizing decentralization and merchant freedom.

CoinPayments and NOWPayments support centralized stablecoins. Larecoin supports both: giving you choice.

6. Web3 Features: Legacy Processors Are Stuck in 2017

CoinPayments launched when ICOs dominated crypto news. The platform hasn't evolved.

Missing modern features:

• No direct wallet payments

• No Lightning Network support

• No Layer-2 integration

• No DeFi connectivity

NOWPayments improved on CoinPayments but still lacks comprehensive Web3 functionality.

Larecoin operates as a complete Web3 payments ecosystem. Direct wallet transactions. Cross-chain compatibility. DeFi integration. Metaverse commerce readiness.

The Larecoin B2B2C metaverse connects crypto payments with immersive shopping experiences. Your customers can browse, buy, and transact entirely in decentralized environments.

Legacy processors can't compete here.

7. Merchant Independence: Break Free From Payment Processor Control

Traditional payment processing forces dependence.

You use their dashboard. Follow their rules. Accept their terms. Hope they don't terminate your account.

Decentralized crypto payments flip this model.

Larecoin's infrastructure operates on Lareblocks: a dedicated Layer-1 blockchain. No central authority controls merchant access. No terms of service violations terminate accounts arbitrarily.

Merchants operate independently. Process payments without permission.

This is what merchant freedom actually looks like. Not marketing copy. Actual operational independence built into the protocol.

8. Integration Flexibility: Plug In Anywhere

CoinPayments offers WooCommerce, Shopify, and basic API integration.

NOWPayments provides similar plugins plus some additional e-commerce platform support.

Larecoin goes further.

Multiple integration methods:

• API for custom builds

• E-commerce plugins for major platforms

• POS systems for physical retail

• Mobile wallet connectivity

• QR code payment acceptance

Physical stores need crypto payment solutions that work at point-of-sale. Online stores need seamless checkout experiences. Larecoin handles both.

9. Direct Wallet Payments: Cut Out the Middleman Entirely

CoinPayments routes payments through their system. Even when you "receive" crypto, it passes through their infrastructure first.

Larecoin enables true peer-to-peer payments.

Customer wallet → Merchant wallet. Direct. No intermediary processing. No routing delays.

This drastically reduces transaction finality time. Payments settle on-chain immediately. No waiting for payment processor confirmation.

Speed matters. Customer experience matters. Direct wallet payments deliver both.

10. The 1.5% Charity Tax: Payments That Give Back

Most payment processors extract fees for profit. Period.

Larecoin operates differently.

Every Larecoin transaction includes a 1.5% charitable tax.

This automatically supports global charities and community initiatives. Your business payments create positive social impact without additional effort.

Does your crypto payment platform give back? Larecoin's charity tax model proves profitable businesses and social responsibility aren't mutually exclusive.

Merchants get low fees, self-custody, and modern Web3 features. Communities benefit from automatic charitable contributions.

Everyone wins except traditional payment processors.

Making the Switch: What Happens Next

Evaluating alternatives is smart business.

CoinPayments served its purpose in crypto's early days. But 2026 demands more sophisticated infrastructure.

Compare directly:

NOWPayments vs CoinPayments vs Larecoin breaks down exactly how each platform handles merchant fees, custody, and feature sets.

The data is clear. Legacy processors can't compete with purpose-built Layer-1 infrastructure designed for merchant independence.

Bottom Line

Shopping for a CoinPayments alternative comes down to priorities.

Want marginally better fees? Check out NOWPayments.

Want actual innovation? Web3-native features? Self-custody? NFT receipts? LUSD integration? Merchant independence?

Larecoin is your answer.

The question isn't whether to switch from CoinPayments.

The question is whether you're ready for what comes next.

Decentralized payments. Merchant freedom. Lower fees. Modern Web3 functionality.

Start exploring Larecoin and see what your business has been missing.

The crypto payment revolution already started.

Time to catch up.