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

So you're done with CoinPayments. Maybe it's the custodial model. Maybe it's the fees eating into your margins. Maybe you're just ready for something that actually puts you in control.

Whatever the reason: you're not alone.

Thousands of merchants are actively searching for crypto payment alternatives that offer more freedom, lower costs, and real ownership of their funds. But before you make the switch, there are some critical factors you need to consider.

Let's break down the 10 things every merchant should know before ditching CoinPayments for good.

1. Custodial vs. Non-Custodial: The Freedom Factor

Here's the truth most payment processors won't tell you.

CoinPayments holds your funds. That's the custodial model. They control access. They set the rules. And if something goes wrong? You're waiting on their support team.

NOWPayments operates non-custodially: meaning payouts go directly to your wallet. Better, but still reliant on their infrastructure.

Larecoin takes it further. Full self-custody from the start. Your crypto. Your wallet. Your rules. No intermediary holding your revenue hostage.

That's merchant freedom in its purest form.

2. Transaction Fees Stack Up Fast

Let's talk numbers.

• CoinPayments: 0.5% per transaction

• NOWPayments: 0.5% per transaction

• CoinGate: 1% per transaction

Sounds small, right? Run the math on $100,000 in monthly volume. That's $500 to $1,000 disappearing every single month.

Larecoin's ecosystem is built around gas-only transfers. No percentage-based fees devouring your profits. Just minimal network costs. The savings compound fast.

3. Cryptocurrency Support Isn't Everything

CoinPayments supports 2,300+ cryptocurrencies. Impressive on paper. But how many do your customers actually use?

NOWPayments offers 100+. CoinGate supports 70+.

Here's the real question: Do you need 2,300 coins: or do you need the right coins with actual utility?

Larecoin focuses on what matters. LARE token. LUSD stablecoin. Major networks like Solana. Quality over quantity. Functionality over fluff.

4. Stablecoins Are Non-Negotiable

Crypto volatility kills merchant margins.

You accept $500 in Bitcoin. By settlement, it's worth $470. That's not sustainable.

Both CoinPayments and NOWPayments offer fiat conversion options. But that introduces more fees. More friction. More dependence on third parties.

LUSD changes the game. Larecoin's stablecoin gives you price stability without leaving the crypto ecosystem. Accept payments. Hold value. No conversion needed. No volatility panic.

5. NFT Receipts: The Feature Nobody Knew They Needed

Traditional payment processors give you transaction records. Spreadsheets. PDFs. Boring.

Larecoin delivers NFT receipts: immutable, on-chain proof of every transaction. Verifiable. Permanent. Professional.

For merchants, this means:

• Transparent record-keeping

• Built-in authenticity verification

• Customer engagement opportunities

• Future-proof documentation

Neither CoinPayments nor NOWPayments offers anything like this. It's innovation exclusive to the Larecoin ecosystem.

6. Integration Complexity Matters

CoinGate has plugins for WooCommerce and Wix. NOWPayments offers API documentation. CoinPayments provides similar tools.

But here's what matters: How fast can you actually get set up?

Larecoin's infrastructure prioritizes merchant onboarding. Clean documentation. Straightforward integration. Whether you're running an online store, a gaming platform, or a subscription service: implementation shouldn't take weeks.

7. Settlement Speed Impacts Cash Flow

NOWPayments promotes instant payouts. Non-custodial model means faster access.

CoinPayments? Settlement timelines vary. Custodial holding periods apply.

With Larecoin's self-custody approach, there's no waiting for a processor to release your money. Funds hit your wallet when the transaction confirms. Period.

Cash flow is oxygen for merchants. Don't let a processor control when you breathe.

8. Geographic Restrictions Can Kill Expansion

CoinPayments operates in 200+ countries. Sounds comprehensive.

But compliance requirements differ everywhere. Some processors restrict certain regions. Others require extensive KYC that slows onboarding to a crawl.

Decentralized payment solutions remove borders. Larecoin's global-first approach means merchants can accept payments from anywhere without arbitrary geographic gatekeeping.

Your customers are worldwide. Your payment solution should be too.

9. Track Record vs. Innovation

CoinPayments has processed $10 billion+ since 2013. NOWPayments has established itself with e-commerce and gaming merchants.

Track record matters. Stability counts.

But here's the counter-argument: Legacy doesn't equal innovation.

The crypto payments space is evolving rapidly. NFT receipts. Stablecoin settlements. Gas-only transfers. Self-custody architecture. These aren't features legacy processors prioritize.

Larecoin represents what's next: not what's been around since Bitcoin was $100.

10. True Independence Means Zero Intermediaries

This is the core issue nobody talks about enough.

CoinPayments holds your funds. NOWPayments processes your transactions. Every traditional processor sits between you and your money.

That's not independence. That's dependency with extra steps.

Larecoin's philosophy is different. Decentralized infrastructure. Self-custody wallets. Direct peer-to-peer payments with on-chain verification.

No processor approval required. No fund freezes. No account suspensions for arbitrary policy violations.

You built your business. You should control its revenue.

Making the Switch: What's Your Priority?

Before jumping to any CoinPayments alternative, get clear on what actually matters to your operation:

Priority: Lowest Fees? Larecoin's gas-only model beats percentage-based processors at any volume.

Priority: Fund Control? Self-custody eliminates third-party risk entirely.

Priority: Price Stability? LUSD provides stablecoin reliability without fiat conversion friction.

Priority: Future-Proof Features? NFT receipts and Web3 integration put you ahead of competitors still using legacy systems.

Priority: Speed? Instant settlement to your own wallet. No waiting periods.

The Bottom Line

CoinPayments served its purpose. So did NOWPayments. These platforms helped legitimize crypto payments for merchants worldwide.

But the industry has evolved. Merchant expectations have grown. And the tools that worked in 2015 don't cut it in 2026.

Self-custody. Stablecoin settlements. NFT receipts. Gas-only transfers. Decentralized architecture.

That's not a wishlist. That's what Larecoin delivers today.

If you're serious about merchant freedom: about actually owning your revenue stream instead of renting access from a processor: the choice becomes obvious.

Ready to explore what independent crypto payments actually look like?

Check out the Larecoin ecosystem and see why merchants are making the switch.

Or join the conversation in the Larecoin Community to connect with other merchants who've already made the transition.

Your business. Your crypto. Your rules.