NOWPayments Alternative: How Larecoin's NFT Receipts + Self-Custody = Zero Chargeback Risk (Real Numbers Breakdown)

The $50 Billion Chargeback Problem Nobody Talks About

Chargebacks cost merchants $50+ billion annually.

Traditional payment processors: credit cards, PayPal, even most crypto gateways: leave merchants vulnerable. Customers dispute. Processors side with buyers 70% of the time. Merchants lose product AND payment.

NOWPayments processes crypto payments. But uses conventional infrastructure. Same dispute workflows. Same chargeback risk.

Larecoin eliminates this entirely.

NFT Receipts: Immutable Proof That Ends "He-Said-She-Said" Disputes

Every Larecoin transaction generates an NFT receipt. Stored on LareBlocks Layer 1 blockchain.

What's recorded:

• Transaction timestamp (precise to the second)

• Wallet addresses (buyer + merchant)

• Payment amount (crypto + fiat equivalent)

• Product/service details

• Merchant identification

• Geographic metadata

Why this matters:

Traditional processors rely on manual dispute resolution. Merchants submit evidence. Processors review. Decisions take weeks. Merchants often lose.

With Larecoin, disputes reference the blockchain. The transaction either happened or didn't. No interpretation. No appeals. No "customer claims they never received it."

The NFT receipt is publicly verifiable. Immutable. Can't be edited, deleted, or contested.

Real Numbers: Fee Breakdown vs. NOWPayments & CoinPayments

Let's compare actual costs.

Processing $100,000/month in transactions:

NOWPayments:

• 0.5% transaction fee = $500

• Network gas fees (varies by blockchain)

• No built-in tax documentation

• Manual reconciliation required

CoinPayments:

• 0.5% transaction fee = $500

• Additional withdrawal fees

• Multi-currency complexity

• Basic reporting only

Larecoin:

• 0.25% transaction fee = $250

• Gas-only transfers on LareBlocks (sub-cent costs)

• 1.5% auto-allocated to verified charities (tax-deductible)

• One-click export to QuickBooks, Xero, FreshBooks, Wave

Annual savings vs. competitors: $3,000+ in fees alone.

The 1.5% charitable allocation isn't a cost: it's a structured tax deduction. No additional paperwork. Pre-tagged in your accounting system.

For high-volume merchants processing small transactions (coffee shops, digital goods, SaaS subscriptions), the fee difference compounds fast.

Self-Custody Architecture: You Control Your Money, Always

NOWPayments and CoinPayments act as custodians. Your crypto sits in their wallets until you withdraw. Settlement delays. Counter-party risk.

Larecoin operates differently.

Master wallet structure:

• Merchants maintain primary wallet

• Category-specific sub-wallets auto-generate

• Transactions route instantly to correct sub-wallet

• Zero custodial middleman

Sub-wallet categories:

• Inventory purchases

• Operational expenses

• Customer sales

• Tax reserves

• Charitable allocations

Payments hit your wallet in real-time. Not 3-5 business days later. Not "pending approval."

Push-to-Card integration converts crypto to fiat instantly. Funds land in your bank account or debit card without exchange delays.

You never surrender custody. Ever.

LUSD: The Stablecoin That Actually Stays Stable

Most crypto payment processors support USDT or USDC. Both great. Both rely on centralized issuers.

Larecoin built LUSD: the stablecoin version of LARE.

Key advantages:

• Decentralized stability mechanism

• No single point of failure

• Integrated directly into Larecoin ecosystem

• Automatic conversion from LARE at transaction point

• Eliminates volatility risk for merchants

Customers pay in LARE or LUSD. Merchants receive LUSD. Price volatility neutralized.

NOWPayments requires manual stablecoin conversion. CoinPayments offers limited stablecoin options. Neither provide native ecosystem stability.

US Compliance: MSB + State MTL Strategy

Here's what separates Larecoin from competitors.

NOWPayments: Registered in Netherlands. Minimal US regulatory framework.

CoinPayments: Canadian company. Limited US licensing.

Larecoin: Pursuing full Money Services Business (MSB) registration + state-by-state Money Transmitter Licenses (MTL).

Why this matters for merchants:

If you're a US-based business, compliance risk falls on YOU if your payment processor isn't properly licensed. Using an unlicensed processor can trigger:

• State regulatory fines

• Federal money laundering scrutiny

• Bank account freezes

• Business license revocation

Larecoin's compliance strategy isn't just protective: it's competitive positioning. As regulators crack down on crypto payments, properly licensed platforms gain market share by default.

We're not waiting for regulations. We're building ahead of them.

Reconciliation Time: 70-80% Reduction (Real Merchant Data)

Small transaction merchants: especially retail, F&B, e-commerce: process hundreds of daily payments.

Traditional crypto processors dump transaction data in raw format. CSV exports. Manual categorization. Hours of bookkeeping.

Larecoin's automated system:

• NFT receipts pre-tagged with accounting categories

• Sub-wallet routing eliminates manual sorting

• One-click export to major accounting platforms

• Tax documents auto-generated

• Charitable contribution tracking built-in

Merchants report 70-80% reduction in reconciliation time. That's not marketing hyperbole. That's time-stamped workflow data from actual business implementations.

For a business owner spending 10 hours/month on bookkeeping, that's 7-8 hours saved. Every month. Forever.

NOWPayments vs. Larecoin: Feature Comparison

Feature	NOWPayments	Larecoin
Transaction Fees	0.5%	0.25%
Chargeback Risk	Standard dispute process	Eliminated via NFT receipts
Custody Model	Custodial (their wallets)	Self-custody (your wallets)
Settlement Speed	24-72 hours	Instant
US Compliance	Limited	MSB + State MTL strategy
Accounting Integration	Basic CSV export	One-click QuickBooks/Xero/Wave
Tax Documentation	Manual	Automated with charity allocation
Stablecoin Options	Third-party USDT/USDC	Native LUSD ecosystem

The difference isn't incremental. It's architectural.

Why Web3 Payments Need Blockchain-Native Infrastructure

NOWPayments and CoinPayments treat crypto as a payment METHOD.

Larecoin treats crypto as a payment INFRASTRUCTURE.

That distinction determines everything:

• How transactions settle

• Who controls funds

• What records exist

• How disputes resolve

• Where compliance sits

Traditional processors bolted crypto onto legacy systems. Same dispute mechanisms. Same custodial models. Same settlement delays.

Larecoin rebuilt payments from blockchain up.

The Merchant Calculation: When Does Larecoin Make Sense?

You should consider Larecoin if you:

• Process 100+ transactions monthly

• Accept international payments regularly

• Want instant settlement without exchange delays

• Need automated bookkeeping integration

• Operate in regulated US markets

• Sell digital goods or services (high chargeback risk)

• Value control over your funds

You might stick with traditional processors if you:

• Process fewer than 50 monthly transactions

• Prefer custodial convenience over self-custody

• Don't need instant settlement

• Handle chargebacks manually without issue

The break-even point sits around $50,000 annual processing volume. Above that, Larecoin's fee advantage + time savings + chargeback elimination creates undeniable ROI.

Getting Started: Zero Integration Friction

Setting up Larecoin takes 15 minutes.

Step 1: Create merchant account at larecoin.com Step 2: Generate master wallet + sub-wallets Step 3: Install payment plugin (WooCommerce, Shopify, custom API) Step 4: Connect accounting software Step 5: Process first payment

No credit check. No underwriting delays. No bank approvals.

Your first transaction generates your first NFT receipt. Your accounting system auto-updates. Your wallet receives funds instantly.

That's Web3 payments done right.

The Zero-Chargeback Future Is Already Here

Merchants lose billions to chargebacks annually. Not because they're running bad businesses. Because the infrastructure allows it.

Larecoin's NFT receipt system + self-custody architecture eliminates this legacy problem entirely.

0.25% fees. Instant settlement. Immutable records. Full compliance.

The question isn't whether Web3 payments will replace traditional processors.

The question is whether you'll switch before or after your competitors.

Ready to eliminate chargeback risk forever? Start with Larecoin today.