So, I am absolutely right saying that the CoinPayments IS indeed both worthless and useless! Any third party in a payment is valid only when they are a guarantor (insurer) of the transaction, otherwise they are just useless intermediaries.
I believe that to be incorrect.
Maybe I'm biased as I have been using the CoinPayments platform for years and know the team personally. However, they are a good company who has been in operation for 5 years working hard to build a platform for the altcoin community. There will always be problems with the illicit use of cryptocurrencies and other methods of value transfer, especially when there is a lack of oversight. CoinPayments is not a marketplace which monitors vendors but a service provider enabling merchants to accept payments in 450 currencies.
They charge a very small fee unlike paypal and other payment gateways. They pass that savings onto the merchant/purchaser and don't take in enough revenue to monitor each and every payment that flows through the system. Think of it like sending payments to any blockchain wallet instead of like an amazon or ebay.
Some ways to protect yourself in the future.
Make sure to check merchant's feedback before purchasing, do research on the store for reviews on social media and other places, even try contacting the merchant beforehand. General rule, If someone is selling something that sounds too good to be true, it probably is. Make sure to use the feedback feature to help rate the merchants accordingly. Always stay vigilant when shopping online! Please be careful, completed transaction funds can't be reversed. If you still wish to purchase from a merchant you do not know, please do not buy the most expensive thing in their store, start with something you can afford to lose if it does not work out. We can't prevent all scams, but with enough people making educated decisions, we can deter scammers together.
Never send money to someone with no track record/review. You wouldn't hand $100 to a random person on the street, why would you do it online?