Looking For a NOWPayments Alternative? Here Are 10 Things You Should Know About Receivables Tokens

NOWPayments charges 0.5% to 1% per transaction. Plus custody risk. Plus settlement delays.

You're searching for alternatives because you know there's a better way.

Receivables tokens flip the entire payment processor model on its head.

Instead of middlemen controlling your funds, you get NFT receipts that prove ownership, automate accounting, and settle instantly to your wallet.

Here's everything merchants need to know about this Web3 payment innovation.

1. They're Programmable Payment Receipts on Blockchain

Receivables tokens are digital representations of payment claims minted as NFTs.

When a customer pays with LARE or LUSD stablecoins, a unique token generates automatically on Solana.

What's embedded in each token:

• Transaction timestamp

• Payment amount in crypto

• Items purchased

• Buyer and seller wallet addresses

• Proof of delivery status

Think of it as your payment receipt, tax record, and accounting entry: all in one cryptographically verified package.

No processor holds your data. No platform can alter the record.

2. You Retain Complete Control and Ownership

NOWPayments custody model means they control your funds until payout.

Receivables tokens eliminate that entirely.

You control the private keys. Funds settle directly to your wallet. Zero account suspensions. Zero payment holds. Zero arbitrary freezes.

Self-custody means:

• No Terms of Service violations that lock your money

• No sudden platform policy changes

• No forced KYC upgrades mid-transaction

• No regional restrictions

Your wallet. Your funds. Your business.

3. Settlement is Direct and Instant

Traditional processors batch settlements daily or weekly.

Receivables tokens settle the moment the transaction confirms on-chain.

Funds arrive in LUSD or LARE stablecoins: pegged 1:1 to USD.

Need fiat? Push-to-card functionality converts instantly.

But here's where it gets interesting: most merchants keep funds in stablecoins.

Why convert to USD when you can pay suppliers, contractors, and operating expenses directly in crypto?

Eliminate bank wire fees. Skip currency conversion spreads. Bypass intermediary delays.

4. No Monthly Processor Fees

NOWPayments charges per transaction. Other platforms add monthly SaaS fees on top.

Receivables tokens have no recurring costs.

Platform fees run 0.5% to 1% of transaction value: automatically deducted through smart contracts.

No hidden charges. No escalating pricing tiers. No minimum monthly commitments.

You pay for what you use. Nothing more.

5. They Create Immutable Accounting Records

Every receivables token is a permanent, tamper-proof accounting entry.

Your accountant exports data directly from the blockchain.

No reconciling multiple processor statements. No hunting for missing transaction records. No month-end data discrepancies.

Audit trail includes:

• Cryptographically verified timestamps

• Wallet-to-wallet transaction history

• Automatic currency conversion rates at time of sale

• Itemized purchase details

Financial close becomes a query, not a reconciliation nightmare.

6. Tax Compliance Becomes Simpler

The NFT receipt handles multiple compliance functions simultaneously.

Sales record for revenue recognition. The blockchain timestamp proves when revenue was earned.

Tax documentation for IRS compliance. Export transaction logs in standard accounting formats.

Proof of purchase for warranty claims. Customers can verify their purchase on-chain without contacting support.

Anti-fraud protection against chargebacks. Cryptographic verification prevents false dispute claims.

All data is immutable and publicly verifiable.

7. The Tokenization Process Involves Multiple Validation Steps

Here's how receivables tokenization works in practice:

Step 1: Customer initiates payment with LARE or LUSD.

Step 2: Smart contract validates sufficient balance and gas fees.

Step 3: Transaction executes on Solana blockchain.

Step 4: Receivables token mints automatically with embedded metadata.

Step 5: NFT receipt sends to merchant wallet and customer wallet simultaneously.

The entire process takes seconds. Zero manual intervention required.

8. Smart Contracts Automate Distribution and Compliance

Funds distribute automatically through programmable logic.

Smart contracts execute sequentially:

• Transaction fees deduct first (gas only)

• Platform fee calculates and routes automatically

• Remaining balance settles to merchant wallet

Multi-signature approval adds security for high-value transactions.

Require 2-of-3 or 3-of-5 authorization before releasing large payments. Set custom thresholds. Define approval workflows.

All automated. All transparent. All verifiable on-chain.

9. Invoices Become Tradable Financial Products

This is where receivables tokens get really powerful.

Your invoices transform into liquid assets.

Need working capital before a 30-day payment term? Tokenize the receivable and sell it on secondary markets.

Investors purchase tokens at a discount for immediate liquidity. You get cash flow. They get yield when the customer pays.

No balance sheet debt. No traditional factoring fees.

Decentralized finance protocols enable invoice financing without banks.

10. Integration Works Across Multiple Business Models

Receivables token systems integrate with:

Physical retail: Contactless POS terminals, tap-to-pay NFC, automatic inventory updates

E-commerce: WooCommerce, Shopify, custom API integrations

Service businesses: Automated invoicing, subscription billing, milestone payments

Metaverse commerce: In-game purchases, virtual real estate, digital collectibles

Most merchants transition completely within two weeks.

Minimal learning curve. Immediate cost savings.

Why Merchants Choose Receivables Tokens Over NOWPayments

NOWPayments offers crypto payment processing. Receivables tokens offer payment infrastructure ownership.

You're not renting access to someone else's platform. You're building on open financial rails.

The difference matters:

• No platform risk if a processor shuts down

• No forced upgrades to new pricing models

• No data portability concerns when switching providers

• No vendor lock-in

Larecoin's receivables token ecosystem runs on Solana: permissionless, censorship-resistant, globally accessible.

Your payment infrastructure. Your rules. Your growth.

Explore Larecoin's merchant solutions and start accepting crypto payments with full self-custody.