BitPay Vs Larecoin: Which Crypto Payment Gateway Is Better For Your Enterprise?

Choosing your crypto payment gateway isn't just a tech decision.

It's a financial one.

The wrong choice? Higher fees. Slower settlements. Zero innovation.

The right choice? 50% savings on interchange. Transparent accounting. A future-proof ecosystem.

Let's break down BitPay vs Larecoin. No fluff. Just facts.

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The Quick Rundown

BitPay has been around since 2011. They're the legacy player. Over 100 cryptocurrencies supported. 1% transaction fees. Crypto-to-fiat conversion with daily settlements.

Solid. Reliable. But dated.

Larecoin is the Web3-native challenger. Built for 2026 and beyond. Gas-only transfers. NFT receipts. Crypto Receivables. A complete ecosystem designed for merchants who want more than just "payment processing."

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Fee Comparison: Where Your Money Actually Goes

Here's where it gets real.

BitPay's Fee Structure

• 1% transaction fee on all payments

• Additional network fees apply

• Currency conversion costs

• Hidden costs in exchange rate spreads

For high-volume merchants? That 1% adds up fast.

Larecoin's Fee Structure

• Gas-only transfers : you pay network costs, nothing more

• 50% reduction compared to legacy interchange fees

• No hidden spread markups

• LUSD stablecoin eliminates volatility costs

The math is simple.

Processing $1M monthly through BitPay? That's $10,000 in fees. Minimum.

With Larecoin's gas-only model? A fraction of that.

Enterprise-level savings. Every single month.

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Crypto Receivables: The New Business Standard

This is where Larecoin pulls ahead. Hard.

What are Crypto Receivables?

Traditional payment processors convert your crypto to fiat immediately. Done. Over.

Larecoin's Crypto Receivables work differently.

Your incoming payments become tokenized assets on your balance sheet. Trackable. Transferable. Programmable.

Why This Matters For Your Enterprise:

• Balance Sheet Optimization : Crypto Receivables count as digital assets

• Instant Liquidity Options : Hold, convert, or leverage as needed

• Audit-Ready Documentation : Every transaction is blockchain-verified

• Treasury Flexibility : Your crypto works for you, not against you

BitPay gives you a payment processor.

Larecoin gives you a financial instrument.

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NFT Receipts: Accounting That Actually Works

Let's talk about the elephant in the room.

Crypto accounting is a nightmare. Spreadsheets. Manual reconciliation. Audit anxiety.

Larecoin solved it.

How NFT Receipts Work:

Every transaction generates an NFT receipt. Immutable. Timestamped. Permanently linked to your merchant wallet.

Benefits for your finance team:

• Instant Reconciliation : No more matching invoices to blockchain explorers

• Audit-Proof Records : Every receipt lives on-chain forever

• Tax Compliance : Cost basis and transaction data locked in

• Zero Disputes : Customer and merchant receipts match automatically

BitPay offers invoice generation. Standard stuff.

Larecoin offers blockchain-native accounting infrastructure.

Your CFO will thank you.

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The Ecosystem Battle

Payment processing is just the start. What else does your gateway offer?

BitPay's Ecosystem:

• Payment processing

• BitPay Card (spend crypto as fiat)

• Invoice generation

• API integrations

• POS solutions

Functional. Limited scope.

Larecoin's Ecosystem:

• Smart Wallet : Self-custody with enterprise controls

• LUSD Stablecoin : Native stable asset for zero-volatility transactions

• Gas-Only Transfers : Minimal transaction costs

• Push-to-Card : Instant fiat off-ramps when you need them

• Contactless POS : Web3-native point of sale

• Merchant Portal : Full dashboard for receivables management

• DAO Governance : Your voice in platform development

• NFT Trading Infrastructure : For brands exploring digital collectibles

• Cross-Chain Support : Solana, Binance, and more

One platform. Complete financial infrastructure.

BitPay processes payments.

Larecoin runs your crypto treasury.

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Settlement Speed & Conversion Options

Time is money. Literally.

BitPay Settlement:

• Daily settlements to bank account

• Crypto-to-fiat conversion automatic

• 1-2 business days for funds to clear

Larecoin Settlement:

• Real-time settlement to your Smart Wallet

• Hold as crypto, LUSD, or push-to-card instantly

• You choose when and how to convert

• No waiting on bank processing windows

The difference?

BitPay decides your settlement schedule.

With Larecoin, you're in control.

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Security & Custody: Who Holds Your Keys?

Critical question for any enterprise.

BitPay:

• Custodial model

• BitPay holds funds during processing

• Regulated and insured

• You trust their security

Larecoin:

• Self-custody option via Smart Wallet

• Your keys. Your crypto. Your rules.

• Enterprise-grade security protocols

• No counterparty risk

For enterprises prioritizing sovereignty?

Larecoin's self-custody model is the only answer.

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Integration & Developer Experience

Your dev team matters.

BitPay:

• Established API documentation

• Plugins for major e-commerce platforms

• Years of integration examples

• Support for legacy systems

Larecoin:

• Modern Web3-native APIs

• Smart contract integration capabilities

• Built for composability with DeFi

• Future-proof architecture

BitPay integrates with what exists today.

Larecoin integrates with what's coming tomorrow.

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The Verdict: Which Gateway Wins?

Choose BitPay if:

• You want a proven, legacy solution

• Your needs are basic payment processing only

• You prefer custodial simplicity

• Web3 innovation isn't a priority

Choose Larecoin if:

• You want 50% lower fees than legacy systems

• Crypto Receivables align with your treasury strategy

• NFT receipts solve your accounting headaches

• You need a complete ecosystem, not just a processor

• Self-custody and financial sovereignty matter

• You're building for the next decade, not the last one

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The Bottom Line

BitPay built crypto payments for 2011.

Larecoin built them for 2026 and beyond.

Lower fees. Smarter accounting. Complete ecosystem. True ownership.

For merchants, ISOs, and enterprises ready to level up?

The choice is clear.

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