Larecoin Vs BitPay Vs Visa: Which Is Better For Your Crypto Payment Processing?

Payment processing fees are eating your profits alive.

Every swipe. Every tap. Every transaction.

Visa and Mastercard charge you 2-3% on every sale. BitPay takes its cut. And you're left wondering: is there a better way?

There is.

Let's break down the three biggest names in payment processing right now. Traditional rails (Visa), crypto gateways (BitPay), and the new kid on the block, Larecoin.

By the end, you'll know exactly which one fits your business.

The Problem With Traditional Payment Rails

Visa and Mastercard have dominated payments for decades. They're everywhere. Accepted everywhere. Trusted everywhere.

But that trust comes at a cost.

Here's what you're really paying:

• Interchange fees: 1.5% to 3.5% per transaction

• Assessment fees: 0.13% to 0.15%

• Payment processor markup: 0.5% to 1%

• PCI compliance fees

• Chargeback fees

• Monthly statement fees

Add it all up. You're losing 3-4% on every single sale.

For a business doing $1M in annual revenue, that's $30,000-$40,000 gone. Every year. Just to accept payments.

And chargebacks? Don't get me started. Visa's chargeback process favors cardholders. You can lose the product AND the money.

BitPay: The Crypto Gateway Pioneer

BitPay has been around since 2011. They were the first major crypto payment processor. Big names like Microsoft and AT&T use them.

What BitPay offers:

• Accept Bitcoin, Ethereum, and other major cryptos

• Automatic conversion to fiat

• 1% processing fee (much better than Visa)

• Settlement in USD, EUR, or crypto

Sounds good, right?

Here's the catch.

BitPay acts as an intermediary. They hold your funds. They control the conversion. They decide the exchange rate.

You're still dependent on a third party.

Plus, BitPay's 1% fee doesn't include network fees. Gas costs on Ethereum can spike during high-traffic periods. Suddenly, your "1%" fee becomes 3-4%.

And you don't get the tax benefits of holding crypto receivables. BitPay converts immediately. The IRS sees that as income. Right now.

Enter Larecoin: The Receivables Revolution

Larecoin isn't just another payment processor.

It's a receivables token built for Web3 commerce.

Here's the difference: when a customer pays you in Larecoin, you're not receiving "payment." You're receiving a receivable, a promise of value that you can hold, trade, or convert on YOUR terms.

Why does this matter?

Tax efficiency.

Receivables aren't taxed until you convert them to fiat. Hold your Larecoin, and you're holding an asset. Not income. Your accountant will love you.

The Fee Breakdown: Real Numbers

Let's get specific. Here's what each option costs for a $10,000 monthly transaction volume:

Visa/Mastercard:

• Processing fees: $300-$400

• Monthly fees: $25-$50

• PCI compliance: $10-$30

• Chargeback risk: Variable

• Total: $335-$480/month

BitPay:

• Processing fee (1%): $100

• Network fees (estimated): $50-$150

• No monthly fees

• Total: $150-$250/month

Larecoin:

• Transfer fee (1.5%): $150

• Gas-only transfers: Minimal

• No monthly fees

• No chargebacks

• Total: ~$150/month

Larecoin claims to lower interchange fees by more than 50% compared to traditional networks. The math checks out.

But here's where it gets interesting. Larecoin's ecosystem includes features that BitPay simply doesn't offer.

NFT Receipts: The Game Changer

Every Larecoin transaction generates an NFT receipt.

Not a gimmick. A genuine accounting tool.

What NFT receipts give you:

• Immutable proof of transaction

• Automatic timestamp on blockchain

• Transparent audit trail

• Instant verification for disputes

• Integration with accounting software

No more digging through paper receipts. No more spreadsheet nightmares. Every transaction lives permanently on-chain.

For enterprises, this is massive. Audits become simple. Compliance becomes automatic. Your CFO can verify any transaction in seconds.

The Larecoin Ecosystem Advantage

Larecoin isn't a one-trick pony. It's a full ecosystem designed for modern commerce.

Smart Wallet Your customers download one wallet. They can hold Larecoin, swap between 55+ cryptocurrencies, and pay at any merchant in the network. One app. Endless utility.

LUSD Stablecoin Volatility concerns? Larecoin's stablecoin version (LUSD) eliminates price fluctuation. Accept crypto payments with fiat stability.

Gas-Only Transfers Most crypto networks charge transaction fees AND network fees. Larecoin's gas-only model means you pay only the minimal blockchain gas cost. Nothing extra.

Push to Card Your customers can load their Larecoin directly to debit cards. Crypto in their wallet, spendable anywhere Visa is accepted. The bridge between Web3 and traditional commerce.

Multi-Chain Bridging BSC. Ethereum. Polygon. Solana. Larecoin bridges across all major chains. Your customers aren't locked into one network.

Merchant Benefits: Why ISOs Are Paying Attention

Independent Sales Organizations are watching Larecoin closely.

For ISOs, the value proposition is clear:

• Lower fees mean happier merchants

• Lower fees mean lower churn

• Crypto-native merchants are a growing segment

• NFT receipts reduce dispute headaches

Enterprise clients? Same story.

Major retailers lose millions annually to payment processing. A 50% reduction in interchange fees goes straight to the bottom line.

And the receivables model creates new financial flexibility. Hold your receivables during market dips. Convert when conditions favor you. Traditional payment rails don't give you that option.

Head-to-Head Comparison

Feature	Visa	BitPay	Larecoin
Processing Fee	2-3.5%	1% + gas	1.5% (gas-only)
Chargebacks	Yes	Limited	No
Crypto Support	No	Yes (limited)	Yes (55+ coins)
NFT Receipts	No	No	Yes
Tax Optimization	No	No	Yes (receivables)
Stablecoin Option	No	No	Yes (LUSD)
Multi-Chain	N/A	Limited	Yes
Settlement Speed	2-3 days	1-2 days	Instant

The Verdict

Visa works. It's been working for 60 years. But you're paying a premium for that legacy infrastructure.

BitPay is a step forward. Lower fees. Crypto acceptance. But you're still relying on a middleman.

Larecoin is built different.

It's not just about accepting crypto. It's about rethinking what a payment actually is.

Receivables instead of instant income. NFT receipts instead of paper trails. Gas-only transfers instead of stacked fees.

For merchants tired of watching 3% of every sale disappear, Larecoin offers a real alternative.

For ISOs looking to differentiate, this is your competitive edge.

For enterprises ready to optimize their payment stack, the ecosystem is waiting.

Ready to Make the Switch?

The Web3 payment revolution isn't coming. It's here.

Explore the Larecoin ecosystem and see what your business could save.

Or keep paying Visa 3% on every transaction.

Your call.