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

Crypto payments are no longer optional. They're table stakes.

If you're a merchant, ISO, or enterprise looking to accept digital assets, you've probably stumbled across BitPay. They've been around since 2011. They're established. They're safe.

But safe doesn't mean best.

Enter Larecoin. The Web3-native payment solution built for businesses tired of bleeding money on fees and outdated infrastructure.

So which one actually wins? Let's break it down.

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The Quick Comparison

Feature	Larecoin	BitPay
Transaction Fees	50%+ lower than legacy systems	Up to 1.9% per transaction
Settlement	Crypto Receivables (hold on-chain)	Instant fiat conversion
Receipt System	NFT receipts for transparency	Standard digital receipts
Stablecoin	LUSD (native ecosystem coin)	Supports external stables
Gas Fees	Gas-only transfers	Standard network fees
Blockchain	Solana-native	Multi-chain (recently added Solana)
Smart Wallet	Built-in ecosystem wallet	Requires external wallet

The numbers don't lie. But let's dig deeper.

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BitPay: The Legacy Player

BitPay launched in 2011. They pioneered crypto payment processing when Bitcoin was still a niche experiment.

What they do well:

• Brand recognition. Everyone knows BitPay.

• Multi-currency support. Bitcoin, Ethereum, Litecoin, and more.

• Enterprise integrations. Shopify, WooCommerce, BigCommerce plugins.

• Recent Solana support. Added in August 2025.

Where they fall short:

• Fees. Up to 1.9% commission per transaction. That adds up fast.

• Instant conversion. They convert your crypto to fiat immediately. No option to hold.

• No receivables strategy. You lose the upside of holding digital assets.

• Legacy architecture. Built before Web3 was a thing.

BitPay works. It's reliable. But it's not built for the future.

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Larecoin: The Web3-Native Challenger

Larecoin was built differently. From the ground up. For Web3.

No retrofitting legacy systems. No compromise.

Core advantages:

1. Slash Your Fees by 50%+

Traditional payment rails like Visa and Mastercard charge 2-3% interchange fees. BitPay takes up to 1.9% on top.

Larecoin? Gas-only transfers.

You pay network fees. That's it. No middleman taking a cut of every transaction.

For a business processing $100,000/month, that's potentially $2,000-3,000 back in your pocket. Every single month.

2. Crypto Receivables: The New Standard

Here's where it gets interesting.

BitPay converts your crypto to fiat instantly. Sounds convenient, right?

Wrong.

Instant conversion means:

• You miss potential appreciation

• Taxable events on every transaction

• No flexibility in treasury management

Larecoin introduces Crypto Receivables. Hold your payments on-chain. Convert when YOU want. Build a digital treasury that works for your business.

It's not just a payment. It's an asset strategy.

3. NFT Receipts for Bulletproof Accounting

Every Larecoin transaction generates an NFT receipt.

Not a gimmick. A game-changer for:

• Audits. Immutable proof of every transaction.

• Transparency. Your accountant will thank you.

• Compliance. On-chain records that can't be altered.

Traditional receipts can be lost, forged, or disputed. NFT receipts? Permanent. Verifiable. On-chain forever.

4. The Complete Ecosystem

Larecoin isn't just a payment gateway. It's an entire ecosystem:

Smart Wallet Native wallet integration. No third-party apps. No friction. Your customers pay. You receive. Simple.

LUSD Stablecoin The ecosystem's native stablecoin. Avoid volatility while staying on-chain. Perfect for businesses that want stability without leaving crypto.

Gas-Only Transfers Powered by Solana's speed and low costs. Transactions settle in seconds for fractions of a cent.

Push-to-Card Need fiat? Push directly to your debit card. On your terms. When you need it.

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Feature Deep Dive

Speed & Settlement

BitPay settles in 1-2 business days for fiat conversions. Standard banking rails.

Larecoin? Near-instant on Solana. Your receivables hit your wallet in seconds.

In 2026, waiting days for your money is absurd.

Multi-Chain Support

BitPay recently added Solana support. Good move. But they're playing catch-up.

Larecoin is Solana-native. Built specifically for the fastest, cheapest blockchain in production. Cross-chain capabilities are expanding, but the foundation is solid.

Merchant Experience

BitPay has plugins. Lots of them. That's their strength after 14 years in the game.

Larecoin is newer but more focused. The merchant solutions are designed for modern businesses that understand Web3 isn't going anywhere.

Integration is straightforward. Documentation is clear. Support is responsive.

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Who Should Choose What?

Choose BitPay If:

• You want instant fiat conversion with zero crypto exposure

• You need maximum plugin compatibility for legacy e-commerce platforms

• Brand recognition matters more than cost savings

• You're not interested in treasury management or holding digital assets

Choose Larecoin If:

• Fee reduction is a priority (50%+ savings)

• You want to build Crypto Receivables as a business strategy

• NFT receipts and on-chain transparency matter for your accounting

• You're ready for Web3-native infrastructure

• Solana's speed and low costs align with your needs

• You want a complete ecosystem, not just a payment button

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The Cost Breakdown

Let's do the math on a hypothetical $500,000 annual revenue:

BitPay (1.9% fee): $500,000 × 1.9% = $9,500/year in fees

Larecoin (gas-only): Estimated Solana gas: $0.00025 per transaction At 10,000 transactions: **$2.50/year in gas**

That's not a typo. The difference is staggering.

Even if we're generous and add operational costs, you're looking at thousands saved annually with Larecoin.

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The Verdict

BitPay is the safe choice. The established player. The one your board won't question.

But safe has a cost. Literally.

Larecoin is the forward-thinking choice. Lower fees. Better treasury options. NFT receipts. A complete Web3 ecosystem built for where payments are heading.

The question isn't which platform is "better" in a vacuum.

The question is: Where do you want your business to be in 3 years?

If the answer is "ahead of the curve," the choice is clear.

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Ready to Switch?

Making the move is easier than you think.

1. Set up your Larecoin Smart Wallet

2. Integrate with your existing checkout

3. Start accepting payments with 50% lower fees

4. Build your Crypto Receivables portfolio

No long-term contracts. No hidden fees. Just better payment infrastructure.

The future of payments isn't coming. It's here.

Get started with Larecoin today →