Merchant Independence Matters: Why Decentralized Crypto Payments Outperform NOWPayments and CoinPayments

Your money. Your business. Your rules.

That's the promise of crypto. But most payment processors? They forgot that memo.

NOWPayments. CoinPayments. They talk decentralization. They market freedom. Yet merchants still hand over control to intermediaries. Still pay unnecessary fees. Still trust third parties with their revenue.

Not exactly the crypto revolution we signed up for.

Let's break down why true merchant independence matters: and how decentralized crypto payments leave centralized processors in the dust.

The Centralization Problem Nobody Talks About

Here's the uncomfortable truth.

Most crypto payment processors operate like traditional payment companies. Different technology. Same old control structures.

NOWPayments and CoinPayments share common issues:

• Third-party dependency for fund routing

• Platform-controlled settlement processes

• Limited transparency on backend operations

• Vulnerability to policy changes and account restrictions

You're accepting crypto. But you're still playing by someone else's rules.

NOWPayments does offer a non-custodial model. Credit where it's due. Merchants maintain direct ownership of funds rather than holding them with the processor. But here's the catch: higher operational responsibility falls entirely on you without the tools to manage it efficiently.

CoinPayments? They've built a massive ecosystem. Over 2,000 coins supported. Impressive reach. But that scale comes with complexity. And complexity means more touchpoints where things can go wrong.

Neither truly delivers merchant independence.

What Real Decentralization Looks Like

True decentralization isn't a marketing buzzword.

It's architecture. Philosophy. A fundamental shift in how payment systems operate.

Decentralized crypto payments mean:

• Direct wallet-to-wallet transactions

• No intermediary holding periods

• Immutable transaction records

• Complete merchant control over funds

• Zero platform dependency for core operations

This is where Larecoin changes the game.

We built our ecosystem from the ground up around one principle: merchants deserve complete sovereignty over their revenue streams.

No middlemen skimming fees. No third parties dictating terms. No centralized points of failure.

Just clean, direct, decentralized payments.

Self-Custody: The Ultimate Merchant Freedom

Self-custody isn't just a feature. It's a philosophy.

When you accept payments through Larecoin, funds hit your wallet directly. Not our wallet. Not a holding account. Yours.

The self-custody advantage:

• Instant access to your revenue

• No withdrawal requests or approval processes

• Complete privacy over your financial data

• Protection from platform freezes or restrictions

• True ownership: not IOUs

NOWPayments promotes non-custodial options. But their system still routes through their infrastructure. CoinPayments holds funds until you initiate withdrawals.

Larecoin? The moment a customer pays, that crypto belongs to you. Period.

Want the deep dive on self-custody? Check out what legacy payment processors don't want you to know.

The Fee Savings That Actually Matter

Let's talk numbers.

Every percentage point matters. Especially for small businesses operating on tight margins.

Typical processor fee structures:

Platform	Transaction Fee	Additional Costs
NOWPayments	0.5% - 1%	Conversion fees, withdrawal fees
CoinPayments	0.5%	Network fees, conversion spreads
Larecoin	Gas-only transfers	No platform fees

See the difference?

Traditional processors stack fees. Transaction fees. Conversion fees. Withdrawal fees. Settlement fees. Death by a thousand cuts.

Larecoin operates on gas-only transfers. You pay network costs: unavoidable on any blockchain. That's it. No platform taking its cut on every sale.

Over a year? Those savings compound dramatically.

A business processing $100,000 annually saves thousands. Thousands that stay in your pocket instead of feeding intermediaries.

NFT Receipts: The Accounting Revolution

Here's where things get innovative.

Traditional receipts? Paper or PDF files. Easy to lose. Hard to verify. Nightmare for tax season.

NFT receipts? Immutable proof of every transaction. Permanently recorded on-chain. Instantly verifiable.

Why NFT receipts matter for merchants:

• Tamper-proof transaction records

• Automatic organization and tracking

• Simplified tax documentation

• Enhanced customer trust

• Audit-ready at any moment

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

Larecoin mints NFT receipts for every transaction. Your accounting becomes bulletproof.

Curious how this transforms tax time? Read our breakdown on NFT receipts for accounting.

LUSD: Stability Without Sacrifice

Volatility concerns. The #1 objection merchants raise about crypto payments.

Valid worry. Bitcoin can swing 10% in a day. Not ideal when you're pricing products or managing cash flow.

LUSD solves this.

Larecoin's stablecoin maintains dollar parity. Customers can pay with volatile assets. You receive stable value. Best of both worlds.

LUSD advantages over competitors:

• Instant conversion without third-party exchanges

• No slippage on large transactions

• Predictable revenue regardless of market conditions

• Seamless integration with the Larecoin ecosystem

NOWPayments offers auto-conversion to fiat. But that requires bank integration. KYC processes. Delays.

CoinPayments supports stablecoins. But you're still dependent on their conversion infrastructure.

LUSD keeps everything on-chain. Decentralized. Under your control.

Learn more about why merchants are switching to LUSD.

Direct Comparisons: The Honest Assessment

Let's put everything side by side.

NOWPayments vs. Larecoin

NOWPayments built a solid platform. Non-custodial options exist. Wide coin support. Clean API.

But they're still an intermediary. Your transactions still flow through their system. Their policies still affect your operations.

Larecoin removes the intermediary entirely. True peer-to-peer payments. Complete merchant sovereignty.

Detailed comparison: NOWPayments vs Larecoin for small business.

CoinPayments vs. Larecoin

CoinPayments offers scale. 2,000+ coins. Global reach. Established reputation.

But that scale creates bloat. More complexity. More potential failure points. More fees stacked on top of fees.

Larecoin prioritizes efficiency. Streamlined operations. Lower costs. Faster settlements.

Full breakdown: CoinPayments vs Larecoin comparison.

The Independence Checklist

Before choosing any crypto payment processor, ask these questions:

Fund Control

• Who holds my funds after transactions?

• How quickly can I access my revenue?

• Can the platform freeze my account?

Fee Transparency

• What are ALL the fees involved?

• Are there hidden conversion costs?

• Do fees stack at multiple points?

Decentralization Reality

• Does the platform control transaction routing?

• Can I operate if the platform goes down?

• Who really owns my transaction data?

If your current processor can't answer these satisfactorily: time to switch.

Making the Move to True Independence

Transitioning doesn't have to be complicated.

Getting started with Larecoin:

1. Set up your self-custody wallet

2. Integrate our payment solution

3. Start accepting decentralized payments

4. Watch your fee savings accumulate

No lengthy onboarding. No complex KYC for basic merchant services. No surrender of control.

Visit larecoin.com to explore the full ecosystem.

The Bottom Line

Merchant independence isn't negotiable.

You didn't start accepting crypto to trade one set of overlords for another. You wanted freedom. Control. Sovereignty over your business finances.

NOWPayments and CoinPayments offer improvements over traditional payment systems. No question. But they're still halfway solutions.

Larecoin delivers what crypto actually promised.

• True self-custody. Your funds. Your wallet. Your control.

• Gas-only fees. Stop feeding intermediaries.

• NFT receipts. Bulletproof accounting.

• LUSD stability. Predictable revenue.

• Complete decentralization. No middlemen. Ever.

The future of payments is decentralized. The question is whether you'll lead or follow.

Your move.