Looking For a CoinPayments Alternative? Here Are 10 Things You Should Know About True Merchant Freedom

Let's be real.

CoinPayments had its moment. So did NOWPayments. But the crypto payments landscape has evolved. Fast.

If you're a merchant still paying excessive fees, surrendering custody of your funds, and dealing with clunky payment infrastructure: you're leaving money on the table.

True merchant freedom isn't a buzzword. It's a business strategy.

Here are 10 things every forward-thinking merchant needs to know before choosing their next crypto payment processor.

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1. Custodial Solutions Are a Liability

CoinPayments holds your funds. NOWPayments routes payments. But who actually controls your money?

Not you.

Self-custody isn't optional in Web3. It's fundamental.

When a payment processor controls your private keys, you're one security breach, policy change, or regulatory action away from losing access.

True merchant freedom means your wallet, your keys, your funds. No intermediaries. No waiting periods. No permission needed.

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2. Interchange Fees Are Eating Your Profits

Traditional payment processors charge 2.5-3.5% per transaction. CoinPayments takes 0.5-1%. NOWPayments sits around the same range.

Sounds reasonable?

Think bigger.

Larecoin slashes merchant interchange fees by 50% or more. That's not a marketing gimmick. That's real money back in your pocket.

For a merchant processing $100,000 monthly, that's potentially $500-$1,500 saved. Every single month.

Compounded over a year? You're looking at serious capital for reinvestment, expansion, or simply better margins.

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3. NFT Receipts Aren't Just Cool: They're Functional

Paper receipts? Outdated. Email confirmations? Easily lost.

NFT receipts are the future of transaction verification.

Here's why merchants should care:

• Immutable proof of purchase. No disputes. No chargebacks. The blockchain doesn't lie.

• Customer engagement tool. Receipts become collectible. Brand loyalty skyrockets.

• Automated warranty tracking. Smart contracts handle returns and guarantees.

• Marketing opportunities. Embed promotions, discounts, and loyalty rewards directly into receipts.

CoinPayments doesn't offer this. NOWPayments doesn't either.

Larecoin does. Explore the ecosystem.

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4. Stablecoins Aren't Created Equal

USDT. USDC. DAI. The stablecoin market is crowded.

But most merchants don't realize the hidden costs: gas fees, network congestion, and conversion delays eat into every transaction.

LUSD: Larecoin's native stablecoin: changes the equation.

• Gas-only transfers. Minimal overhead.

• Direct merchant settlement. No conversion delays.

• Cross-chain compatibility. Accept payments from anywhere.

When your stablecoin is designed for commerce, not speculation, transactions flow smoother. Faster settlement. Lower costs. Better experience for everyone.

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5. "Multi-Currency Support" Is Often Overhyped

NOWPayments supports 300+ cryptocurrencies. Impressive on paper.

But how many of those coins does your average customer actually hold?

Quality beats quantity.

Smart merchants focus on:

• Bitcoin and Ethereum (obvious)

• Solana-based assets (speed and low fees)

• Purpose-built payment tokens (like LARE)

• Stablecoins (predictable value)

Supporting 300 obscure altcoins doesn't increase sales. It increases complexity.

Larecoin prioritizes the cryptocurrencies that matter. The ones your customers actually use.

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6. Settlement Speed Determines Cash Flow

In traditional payments, you wait 2-5 business days for funds.

CoinPayments? Withdrawals can take hours.

NOWPayments? Depends on network congestion.

Web3 payments should be instant.

Self-custody solutions eliminate withdrawal delays entirely. The funds hit your wallet the moment the transaction confirms. No approval process. No arbitrary holds.

Cash flow is oxygen for growing businesses. Don't let your payment processor restrict it.

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7. Chargebacks Are a Thing of the Past

Credit card chargebacks cost merchants an estimated $125 billion annually. That's not a typo.

Crypto payments eliminate this entirely.

Transactions are final. Period.

No "unauthorized transaction" claims. No friendly fraud. No disputes dragging on for months.

For high-risk merchants, subscription services, and digital goods sellers: this alone justifies the switch to crypto.

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8. Integration Shouldn't Require a Dev Team

CoinPayments documentation? Dense.

NOWPayments API? Functional but limited.

Modern merchants need plug-and-play solutions.

Look for:

• One-click e-commerce integrations (Shopify, WooCommerce, etc.)

• Mobile-first payment interfaces

• QR code generation for in-person transactions

• Embeddable checkout widgets

The best payment processor is the one your team can implement in hours, not weeks.

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9. Compliance and Transparency Go Hand-in-Hand

Here's an uncomfortable truth: many crypto payment processors operate in regulatory gray areas.

That's a risk.

For your business. For your customers. For your banking relationships.

True merchant freedom includes financial sovereignty: not regulatory avoidance.

Choose processors with:

• Clear fee structures (no hidden costs)

• Transparent transaction histories

• Verifiable on-chain records

• Self-custody options (you maintain compliance on your terms)

The blockchain is inherently transparent. Your payment processor should be too.

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10. Community and Ecosystem Matter

Payment processing isn't just a transaction. It's an ecosystem.

CoinPayments is a tool. NOWPayments is a service.

Larecoin is a community.

When you adopt Larecoin's payment infrastructure, you join a network of forward-thinking merchants, developers, and crypto-native consumers all building toward the same goal: financial freedom.

• Access to the Larecoin Community Forum for merchant support

• Regular ecosystem updates and feature releases

• Governance participation as the protocol evolves

Your payment processor should grow with you. Not just process transactions.

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The Bottom Line

CoinPayments and NOWPayments served their purpose. They introduced merchants to crypto.

But the bar has been raised.

True merchant freedom requires:

• Self-custody (your keys, your funds)

• Dramatically lower fees (50%+ savings)

• NFT receipts (verifiable, marketable, functional)

• Native stablecoins (LUSD for seamless settlement)

• Community-driven development (not corporate roadmaps)

The merchants who thrive in Web3 won't be the ones clinging to legacy processors.

They'll be the ones embracing real financial sovereignty.

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Ready to Make the Switch?

Larecoin is building the payment infrastructure Web3 deserves.

Lower fees. Self-custody. NFT receipts. LUSD stablecoin. Community-first development.

Stop settling for "good enough."

Explore Larecoin today and discover what true merchant freedom actually looks like.

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This post is part of Larecoin's 10-year blog marathon, documenting the evolution of decentralized commerce. Join the conversation.