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

Enterprise payments are broken.

You already know this. Interchange fees eating your margins. Settlement delays killing your cash flow. Reconciliation nightmares keeping your accounting team up at night.

Two names keep coming up in the Web3 payments conversation: Larecoin and BitPay.

Both promise to fix the mess. But they're not the same. Not even close.

Let's break it down.

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The Real Cost of Legacy Payment Systems

Here's what you're probably paying right now:

• 2.5% to 3.5% interchange fees per transaction

• $0.10 to $0.30 flat fees on top

• Chargebacks that cost $20 to $100 each

• Settlement delays of 2 to 7 business days

For an enterprise doing $10M in annual card volume? That's $250K to $350K gone. Every year. Just in processing fees.

BitPay entered the scene promising crypto would fix this. And to their credit: they've been around since 2011. They're battle-tested.

But "battle-tested" doesn't always mean "best."

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BitPay: The OG Crypto Payment Processor

BitPay does what it says. Accepts crypto. Settles in fiat. Done.

What BitPay offers:

• Bitcoin, Ethereum, and select altcoin acceptance

• Direct bank settlement

• Invoicing tools

• Payment buttons and plugins

The BitPay fee structure:

• 1% transaction fee (standard plan)

• Additional network fees on blockchain transactions

• Settlement fees depending on your fiat conversion preferences

For enterprises just dipping their toes into crypto? BitPay works. It's familiar. It feels like traditional payment processing with a crypto wrapper.

But here's the problem.

BitPay treats crypto like a liability. Something to convert and get rid of as fast as possible. That mindset leaves money on the table.

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Larecoin: Built for the Web3 Era

Larecoin doesn't just process crypto payments. It reimagines your entire payment stack.

The Larecoin difference:

• 0.5% transaction fees when using LARE token (1% standard)

• 50%+ savings on interchange compared to Visa/Mastercard

• Crypto Receivables that work as actual business assets

• NFT receipts for bulletproof accounting

• Gas-only transfers that eliminate unnecessary fees

• LUSD stablecoin for volatility-free settlements

This isn't just "accept Bitcoin and convert to dollars."

This is a full ecosystem designed for how modern enterprises actually operate.

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Fee Comparison: Where It Actually Matters

Let's talk numbers.

Feature	BitPay	Larecoin
Standard Transaction Fee	1%	1% (0.5% with LARE)
Interchange Savings	Minimal	50%+ vs legacy systems
Network/Gas Fees	Passed to merchant	Gas-only transfers available
Settlement Speed	1-2 business days	Instant (crypto) or same-day (fiat)
Stablecoin Option	USDC/GUSD	LUSD (native ecosystem coin)

For high-volume enterprises, that 0.5% difference compounds fast.

$10M annual volume:

• BitPay: ~$100K in fees

• Larecoin (with LARE): ~$50K in fees

That's $50K back in your pocket. Every year.

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Crypto Receivables: The New Business Standard

Here's where Larecoin pulls ahead dramatically.

Most crypto payment processors: BitPay included: treat incoming crypto as hot potatoes. Convert immediately. Avoid volatility. Move on.

Larecoin flips the script with Crypto Receivables.

What are Crypto Receivables?

When you accept payment through Larecoin, your incoming crypto can be held as a receivable on your balance sheet. Not converted. Not taxed (until you decide to convert to fiat).

Why this matters for enterprises:

• Tax efficiency: Hold receivables without triggering taxable events

• Treasury management: Choose when and how to convert

• Asset appreciation: Benefit from potential crypto value increases

• Balance sheet strength: Crypto holdings as legitimate business assets

BitPay? You take the payment. They convert it. Done. No strategy. No optionality.

Larecoin gives you control.

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NFT Receipts: Accounting That Actually Works

Paper receipts are dead. PDFs are dying. NFT receipts are the future.

Every transaction through Larecoin generates an NFT receipt: an immutable, blockchain-verified record of the transaction.

Benefits for your enterprise:

• Tamper-proof records: No altering, no "lost" documentation

• Instant auditability: Auditors can verify transactions on-chain

• Automated reconciliation: Smart integrations with your ERP

• Dispute resolution: Indisputable proof of payment

BitPay offers standard invoicing. Receipts in your email. Nothing revolutionary.

Larecoin turns every transaction into a verifiable, permanent business record.

For compliance-heavy industries? This is a game-changer.

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The Ecosystem Advantage

BitPay is a payment processor. Full stop.

Larecoin is an ecosystem.

What you get with Larecoin:

• Smart Wallet: Multi-asset management with staking rewards

• LUSD Stablecoin: Native stablecoin for volatility-free operations

• Gas-Only Transfers: Move funds without percentage-based fees

• Contactless POS: QR-generated payments for physical retail

• Merchant Portal: Full ERP integration, inventory management, supply chain tools

• Push-to-Card: Instant fiat conversion to your debit card

• P2P Exchange: Direct merchant-to-merchant crypto swaps

Supported assets:

• Bitcoin

• Ethereum

• USD Coin

• Dogecoin

• Litecoin

• Dai

• Bitcoin Cash

• And LARE (native token with fee discounts)

You're not just adding a payment method. You're upgrading your entire financial infrastructure.

Check out the latest updates on the Larecoin forum.

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Who Should Choose BitPay?

Let's be fair. BitPay isn't bad.

BitPay makes sense if you:

• Only need basic crypto acceptance

• Want to convert 100% of crypto to fiat immediately

• Prefer a "set it and forget it" approach

• Don't need advanced treasury management

It's the Toyota Camry of crypto payments. Reliable. Boring. Gets you from A to B.

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Who Should Choose Larecoin?

Larecoin is built for enterprises that:

• Want maximum fee savings (50%+ on interchange)

• See crypto as a strategic asset, not just a payment method

• Need NFT receipts for compliance and auditing

• Want full ecosystem integration (wallet, stablecoin, POS, ERP)

• Value tax-efficient crypto receivables

• Operate at scale and need every basis point of margin

It's the performance vehicle built for the Web3 economy.

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The Bottom Line

BitPay helped bring crypto payments to businesses. They deserve credit for that.

But the game has evolved.

Larecoin isn't just catching up: it's building the next generation of enterprise payments.

Lower fees. Smarter treasury management. Bulletproof accounting. A full ecosystem that grows with your business.

The question isn't whether to accept crypto anymore.

The question is: which infrastructure sets you up to win?

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Ready to Upgrade Your Payment Stack?

Stop leaving money on the table.

Explore Larecoin's merchant solutions and see what 50% interchange savings looks like for your enterprise.

Your margins will thank you.