BitPay Vs Larecoin: Which Crypto Payment Processor Actually Cuts Your Fees in Half?

You're bleeding money on every transaction. And you probably don't even realize it.

Traditional payment processors charge 2.5-3.5% per swipe. BitPay charges 1-2% plus $0.25. Sounds better, right?

Here's the thing. Better isn't good enough anymore.

Larecoin cuts those fees by over 50%. Gas-only transfers. No percentage-based cuts eating into your margins.

Let's break down exactly what you're paying, and what you could be saving.

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The Fee Problem Nobody Talks About

Every merchant knows the pain. You sell a $100 product. Visa takes $3. Mastercard takes $2.75. That's before your processor adds their cut.

BitPay entered the scene promising relief. Crypto payments without the legacy network fees.

Here's BitPay's current fee structure:

Monthly Volume	Transaction Fee
Under $500,000	2% + $0.25
$500,000 - $999,999	1.5% + $0.25
$1,000,000+	1% + $0.25

Plus network fees. Plus settlement delays. Plus the headache of instant fiat conversion.

For a business processing $50,000 monthly, that's still $1,000+ disappearing into fees.

Every. Single. Month.

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Enter Larecoin: Gas-Only Transfers

Larecoin flipped the script.

No percentage-based fees. No tiered pricing structures. No hidden costs buried in the fine print.

You pay gas. That's it.

On the Solana network, gas fees run fractions of a cent. We're talking $0.00025 per transaction. Not 2%. Not even 1%.

Run the math on that $50,000 monthly volume. Instead of $1,000 in fees, you're looking at dollars. Maybe tens of dollars.

That's not a marginal improvement. That's a fundamental shift in how payment processing works.

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Head-to-Head: BitPay vs Larecoin

Let's get specific. Side-by-side comparison for a merchant processing $100,000 monthly:

Feature	BitPay	Larecoin
Transaction Fee	1.5% + $0.25	Gas only (~$0.00025)
Monthly Cost (est.)	$1,500+	Under $50
Settlement	Next-day fiat	Instant on-chain
Receivables	Converted to fiat	Held as Crypto Receivables
Receipt Format	Traditional	NFT receipts
Smart Wallet	No	Yes
Stablecoin Option	Limited	LUSD native

The numbers speak for themselves.

But fees are just the beginning. The real advantage? What happens after the transaction.

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Crypto Receivables: The New Business Standard

BitPay converts your crypto to fiat immediately. Seems convenient. Actually costs you money.

Here's why.

Every conversion triggers a taxable event. Every conversion locks in the current price. Every conversion strips away the potential upside of holding digital assets on your balance sheet.

Crypto Receivables change everything.

With Larecoin, you hold receivables on-chain. They're tokenized. They're verifiable. They're yours: without forced liquidation.

Benefits of Crypto Receivables:

• Tax Efficiency : Defer taxable events until you choose to convert

• Balance Sheet Strength : Digital assets as real business holdings

• Flexibility : Convert when market conditions favor you

• Transparency : Every receivable tracked on-chain

• Collateral Potential : Use receivables for DeFi lending

This isn't speculation. It's smart treasury management.

Companies holding Bitcoin on their balance sheets outperformed those that didn't. Your receivables can work the same way.

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NFT Receipts: Accounting That Actually Makes Sense

Paper receipts fade. Digital receipts get lost in email. Spreadsheets become nightmares at tax time.

Larecoin issues NFT receipts for every transaction.

What does that mean for your business?

• Immutable proof of every sale

• Automatic timestamping on-chain

• Easy audit trails for compliance

• No more "the dog ate my receipt" scenarios

• Instant verification for disputes

Your accountant will thank you. Your auditors will thank you. Your sanity will thank you.

Every transaction creates a permanent, verifiable record. No more reconciliation headaches. No more hunting through systems to match payments.

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The Larecoin Ecosystem Advantage

BitPay is a payment processor. Full stop.

Larecoin is an ecosystem.

Smart Wallet

Your customers get a non-custodial wallet built for commerce. Buy, exchange, collect crypto and NFTs. Earn rewards. Shop in-store, online, or in the metaverse.

One wallet. Every use case.

LUSD Stablecoin

Volatility concerns? LUSD solves that. Pegged stability with on-chain transparency. Accept payments in LUSD and skip the price swings entirely.

Gas-Only Transfers

Already covered this. But worth repeating. When gas is your only cost, margins expand dramatically.

Push to Card

Need fiat? Push directly to your debit card. Instant liquidity when you need it, on-chain holdings when you don't.

Merchant Portal

Full dashboard. Real-time analytics. Transaction history. Settlement tracking. Everything you need to run crypto payments like a professional operation.

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Who Should Make the Switch?

Not everyone needs Larecoin. Some businesses are fine paying premium fees for legacy systems.

But if you're any of these, pay attention:

• High-volume merchants : Every percentage point saved compounds

• ISOs looking for differentiation : Offer merchants something competitors can't

• Enterprises with treasury goals : Crypto receivables as balance sheet assets

• E-commerce operators : Global payments without currency conversion fees

• Subscription businesses : Recurring payments without recurring fee drain

The math works at every scale. But the bigger you are, the bigger the savings.

A business processing $1M monthly? BitPay takes $10,000+. Larecoin takes gas fees.

That's $120,000+ annual difference. Straight to your bottom line.

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The Real Question

You've seen the comparison. You've run the numbers.

BitPay was revolutionary in 2011. It brought crypto payments to merchants who had no other option.

But it's 2026 now.

Web3 infrastructure has evolved. Fee structures have evolved. Business expectations have evolved.

Larecoin represents what crypto payments were always supposed to be:

• Minimal fees

• Maximum control

• Real ownership of your receivables

• Transparent, verifiable records

• An ecosystem that grows with your business

The question isn't whether Larecoin cuts fees in half compared to BitPay.

It cuts them by over 90%.

The question is: how much longer will you pay more than you need to?

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Ready to Switch?

Getting started takes minutes, not days.

Visit larecoin.com to explore the full ecosystem. Check out the crypto payments page for merchant-specific features.

Stop paying percentage fees on every transaction. Start keeping what you earn.

Your margins will notice the difference immediately.