Do BTCPayServer or Zaprite allow your lightning keys to live on your phone? I'm not too familiar with either. That's the main advantage here I guess.
That's a goal with the BTCPay app project https://github.com/btcpayserver/app
There's been some discussion of a BOLT 12 protocol modification to allow for Zaprite to integrate with merchant LN wallets.
There's of course all the challenges of mobile including availability to sign to receive money. Async payments protocol helps but whether applicable to a merchant depends on the volume and type of merchant.
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