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

Choosing a crypto payment processor isn't just a tech decision. It's a business decision. One that directly impacts your bottom line.

BitPay has been around since 2011. The OG of crypto payments. But being first doesn't mean being best.

Larecoin entered the game with a different playbook. Built for Web3. Designed for merchants who want more than just "accepting Bitcoin."

Let's break it down.

The Real Cost of Payment Processing

Here's the truth nobody talks about.

Traditional payment networks like Visa and Mastercard charge between 2-3.5% per transaction. That's interchange fees, network fees, processor fees, all stacking up.

BitPay? They charge 1% on transactions. Better than legacy systems. But still a cut from every sale.

Larecoin takes a different approach. Gas-only transfers. You pay network fees. That's it. No percentage-based cuts eating into your revenue.

For high-volume merchants? That's a game-changer.

BitPay: The Legacy Player

Credit where it's due.

BitPay pioneered merchant crypto adoption. They support Bitcoin, Ethereum, Litecoin, and several other major cryptocurrencies. They offer:

• Invoice generation

• Payment buttons

• E-commerce integrations

• Settlement in fiat or crypto

• BitPay Card for spending

Solid features. Enterprise-ready. Trusted by thousands of merchants worldwide.

But here's the catch.

BitPay operates on a Web2 model. Centralized processing. Custodial wallets. Traditional settlement cycles. They're a bridge between crypto and the old financial system.

Not a native Web3 solution.

Larecoin: Built for Web3 Commerce

Larecoin wasn't designed to patch old systems. It was built from scratch for the decentralized economy.

Key differentiators:

• 50% lower fees compared to legacy payment networks

• Crypto Receivables , a new asset class for business accounting

• NFT receipts for transparent, immutable transaction records

• LUSD stablecoin for volatility-free settlements

• Smart Wallet integration for seamless merchant management

• Gas-only transfers , no percentage-based processing fees

This isn't just crypto acceptance. It's a complete ecosystem.

Head-to-Head: Larecoin vs BitPay

Let's compare the features that matter most to merchants.

Transaction Fees

BitPay: 1% per transaction. Predictable. But adds up fast at scale.

Larecoin: Gas-only. Pay the network. Keep your margins.

Winner: Larecoin

Settlement Options

BitPay: Fiat settlement in 1-2 business days. Crypto settlement available. Limited stablecoin options.

Larecoin: Instant settlement via LUSD stablecoin. Push-to-card functionality. No waiting for bank transfers.

Winner: Larecoin

Accounting & Compliance

BitPay: Standard transaction reports. CSV exports. Basic invoicing.

Larecoin: NFT receipts. Immutable. Timestamped. Perfect audit trails. Crypto Receivables that integrate with modern accounting standards.

Winner: Larecoin

Supported Networks

BitPay: Bitcoin, Ethereum, Litecoin, BCH, DOGE, and a handful of others.

Larecoin: Built on Solana for speed and low fees. Cross-chain compatibility expanding.

Winner: Depends on your needs. BitPay offers more coins. Larecoin offers better infrastructure.

User Experience

BitPay: Mature interface. Mobile app. BitPay Card for spending.

Larecoin: Smart Wallet with unified dashboard. Native Web3 integration. Metaverse-ready commerce.

Winner: Tie , different approaches for different users.

Understanding Crypto Receivables

This is where things get interesting.

Traditional accounting treats crypto payments like foreign currency. Messy. Inconsistent. A headache for your finance team.

Larecoin introduces Crypto Receivables.

Think of it like this: when a customer pays you in LARE or LUSD, that transaction generates a tokenized receivable. An on-chain asset representing completed commerce.

Why this matters:

• Cleaner balance sheets

• Real-time revenue tracking

• Collateralizable assets for business financing

• Standardized reporting across jurisdictions

Crypto Receivables are becoming the new standard for Web3-native businesses. Early adopters get ahead of regulatory frameworks already moving in this direction.

This isn't theory. It's happening now.

NFT Receipts: Transparency by Default

Paper receipts? Gone.

PDF invoices? Outdated.

NFT receipts change the game for accounting and compliance.

How it works:

Every Larecoin transaction can generate an NFT receipt. Minted on-chain. Contains transaction details, timestamps, wallet addresses, and amounts.

Benefits for merchants:

• Immutable proof of transaction

• Instant auditability

• Customer dispute resolution

• Seamless integration with crypto accounting software

• Zero paperwork

Benefits for customers:

• Proof of purchase

• Warranty verification

• Returns and exchanges simplified

• Collectible transaction history

BitPay doesn't offer this. Neither does Visa or Mastercard.

This is native Web3 infrastructure. Built for transparency from day one.

The Larecoin Ecosystem Advantage

Choosing a payment processor isn't just about fees. It's about ecosystem.

BitPay gives you payment processing. Period.

Larecoin gives you an entire financial infrastructure.

Smart Wallet

Unified control over your business funds. Send, receive, swap, and manage, all in one place. No juggling multiple platforms.

LUSD Stablecoin

Volatility kills cash flow planning. LUSD solves that. Accept crypto. Settle in stable value. Sleep at night.

Gas-Only Transfers

We said it before. Worth repeating. No percentage cuts. Pay network fees only. Your revenue stays yours.

Push-to-Card

Need fiat fast? Push directly to linked debit cards. Instant liquidity without bank delays.

Metaverse Commerce

Already selling in virtual environments? Larecoin's infrastructure supports it. Future-proof your payment stack.

Who Should Choose BitPay?

Let's be fair.

BitPay works for certain use cases:

• Businesses needing multi-coin support today

• Merchants wanting fiat settlement without touching crypto

• Companies prioritizing established brand recognition

• Users wanting the BitPay Card for personal spending

If you need a simple bridge between crypto customers and traditional banking? BitPay does that job.

Who Should Choose Larecoin?

Larecoin is built for:

• Merchants tired of 2-3% transaction fees

• ISOs looking for next-generation payment solutions

• Enterprises building Web3-native operations

• Forward-thinking businesses ready for Crypto Receivables

• Anyone who wants transparent, immutable NFT receipts

• High-volume processors where gas-only fees mean massive savings

If you're building for the future? Larecoin is the infrastructure.

The Bottom Line

BitPay did the hard work of pioneering crypto payments. Respect.

But the landscape evolved.

Larecoin represents the next generation. Lower fees. Better accounting. True Web3 integration. An ecosystem designed for how business actually works in 2026.

Quick recap:

Feature	BitPay	Larecoin
Transaction Fees	1%	Gas-only
Settlement	1-2 days	Instant (LUSD)
NFT Receipts	No	Yes
Crypto Receivables	No	Yes
Smart Wallet	No	Yes
Push-to-Card	Limited	Yes

The choice depends on your priorities. Stability and familiarity? BitPay. Innovation and savings? Larecoin.

Ready to Switch?

Merchants saving 50% on payment processing fees aren't going back.

The Crypto Receivables standard is gaining adoption. NFT receipts are becoming expected: not experimental.

Early movers win.

Check out the Larecoin ecosystem and see what Web3 payments actually look like.

Your margins will thank you.