BitPay Vs Larecoin: 7 Key Differences Every Merchant Should Know

Crypto payments are evolving. Fast.

BitPay pioneered merchant crypto acceptance. They've been around since 2011. Solid track record. Millions in transactions processed.

But the Web3 landscape has changed. Merchants need more than just payment processing. They need an ecosystem.

Enter Larecoin.

Here's the breakdown every merchant, ISO, and enterprise needs before choosing their crypto payment partner.

Difference #1: Interchange Fees That Don't Crush Your Margins

BitPay charges 1% per transaction. Sounds reasonable. Until you compare it to what's possible in Web3.

Larecoin cuts interchange fees by 50% compared to legacy systems. We're talking real savings that compound with every sale.

The math is simple:

• Process $100,000/month through traditional rails? Pay $2,000-$3,000 in fees.

• Process through Larecoin? Cut that in half.

For high-volume merchants, this isn't a minor detail. It's the difference between profitability and bleeding cash to middlemen.

BitPay still operates on traditional fee structures. Larecoin was built from the ground up to slash costs.

Difference #2: Crypto Receivables Change Everything

Here's a concept BitPay doesn't offer: Crypto Receivables.

What are they? Think of them as tokenized business income. Every payment you receive becomes a trackable, tradeable digital asset on the blockchain.

Why this matters:

• Instant visibility into cash flow

• Receivables can be used as collateral

• Seamless integration with DeFi protocols

• Real-time accounting without manual reconciliation

Traditional payment processors give you a bank deposit. Larecoin gives you a financial instrument.

Crypto Receivables are becoming the new business standard. Early adopters are already leveraging them for faster capital access and transparent financial reporting.

BitPay converts crypto to fiat. Larecoin creates an entirely new asset class for your business.

Difference #3: NFT Receipts for Bulletproof Accounting

Paper receipts? Gone.

PDF invoices? Outdated.

Larecoin issues NFT receipts for every transaction. Immutable. Transparent. Audit-ready.

Benefits for merchants:

• Tamper-proof records : No disputes about what was paid or when

• Instant verification : Auditors can verify directly on-chain

• Automated categorization : Smart metadata for accounting software integration

• Customer trust : Buyers receive verifiable proof of purchase

BitPay provides standard transaction records. Larecoin provides blockchain-verified documentation that holds up to any scrutiny.

For enterprises dealing with complex compliance requirements, NFT receipts aren't a gimmick. They're a necessity.

Difference #4: The Smart Wallet Advantage

BitPay has a wallet. It holds crypto. It lets you spend.

Larecoin's Smart Wallet does more.

Smart Wallet features:

• Multi-chain support out of the box

• Built-in swap functionality

• Direct integration with Larecoin payments

• Push-to-card for instant fiat access

• Gas-optimized transactions

The Smart Wallet isn't just storage. It's a command center for your business's crypto operations.

Merchants can receive payments, convert currencies, manage liquidity, and access funds : all from one interface. No jumping between platforms. No fragmented workflows.

Difference #5: LUSD Stablecoin Eliminates Volatility Risk

Crypto volatility kills merchant adoption. Everyone knows it.

BitPay's solution? Convert to fiat immediately. Problem is, you lose the benefits of staying in the crypto ecosystem.

Larecoin's solution? LUSD : our native stablecoin.

LUSD delivers:

• 1:1 USD peg stability

• Zero conversion fees within the ecosystem

• Instant settlement between Larecoin merchants

• Full compatibility with the broader DeFi landscape

Accept payment in Bitcoin. Hold in LUSD. Spend when ready.

No volatility. No forced conversion to fiat. No leaving the ecosystem that benefits your business.

For merchants who want crypto's efficiency without the price swings, LUSD is the answer BitPay can't provide.

Difference #6: Gas-Only Transfers Save Real Money

Every crypto transaction costs gas. It's unavoidable.

But Larecoin minimizes this friction with gas-only transfers.

How it works:

• No additional platform fees on internal transfers

• Optimized smart contracts reduce gas costs

• Batch processing for high-volume merchants

• Layer 2 solutions for even cheaper transactions

BitPay charges their 1% on top of whatever network fees exist. Larecoin strips away the extra layer.

For merchants processing hundreds or thousands of transactions daily, gas-only transfers mean significant savings. Every fraction of a percent matters at scale.

Difference #7: Ecosystem vs. Payment Processor

This is the fundamental difference.

BitPay is a payment processor. They do one thing. They do it well. But that's the extent of it.

Larecoin is an ecosystem.

The Larecoin ecosystem includes:

• Token infrastructure (LARE)

• Smart Wallet

• Stablecoin (LUSD)

• Decentralized exchange

• Liquidity pools

• Bridge functionality

• NFT marketplace integration

• Merchant portal with analytics

• DAO governance

When you choose Larecoin, you're not just getting a payment button. You're joining a complete financial infrastructure designed for Web3-native businesses.

BitPay connects you to crypto. Larecoin makes you part of crypto.

The Bottom Line: What Should Merchants Choose?

Choose BitPay if:

• You want simple crypto-to-fiat conversion

• You're testing crypto acceptance for the first time

• You prefer established, traditional business models

Choose Larecoin if:

• You want to cut interchange fees by 50%

• You understand the value of Crypto Receivables

• You need NFT receipts for compliance and transparency

• You want volatility protection without leaving crypto

• You're building for Web3, not just accepting Web3

The payment processing landscape is shifting. Merchants who adapt early capture the advantages. Those who wait pay premium prices for commodity services.

Ready to Make the Switch?

Larecoin isn't just another BitPay alternative. It's the next evolution in merchant payments.

Lower fees. Better tools. Complete ecosystem.

Explore what's possible:

• Visit larecoin.com to see the full platform

• Check out CoinCheckout for merchant integration

• Review the payments infrastructure built for scale

The future of merchant payments is here. The only question is whether you'll lead or follow.