How to Cut Merchant Interchange Fees by 50%+ with Self-Custody Crypto Payments (5-Minute Setup)

Merchant fees are bleeding your business dry.

Every swipe, tap, or online checkout sends 2.5-3.5% of your revenue straight to Visa, Mastercard, and payment processors. For a $500,000 annual revenue business, that's $12,500-$17,500 vanishing into fees.

Self-custody crypto payments flip this model completely.

No intermediaries. No percentage cuts. Just direct wallet-to-wallet transactions with gas fees under $0.10.

The Real Cost of Traditional Payment Processing

Traditional card networks run on a 1950s infrastructure updated for the digital age. Every transaction passes through multiple hands:

Customer → Card Network → Acquiring Bank → Payment Processor → Your Bank Account

Each middleman takes a cut.

Standard interchange rates:

• Visa/Mastercard: 1.5-2.9% + $0.30 per transaction

• Payment gateway: 0.5-1%

• Monthly fees: $10-50

• Chargeback fees: $25-100 per incident

For a $100 sale, you lose $3-4 before seeing a dime.

For a $1,000 B2B transaction? $30-40 gone.

International payments add another 2-4% in cross-border fees.

Self-Custody Crypto: Direct Payments, Zero Percentage Fees

Self-custody means you control the wallet. The private keys. The funds.

Customer sends LARE or LUSD directly to your wallet address. No processor approval. No account holds. No service terminations.

The cost structure breaks down like this:

A $1,000 transaction on Solana costs approximately $0.001-$0.01 in gas fees. That's 99.7% cheaper than traditional processing.

At $100,000 monthly revenue:

• Traditional processors: $2,500-$3,500/month in fees

• Self-custody crypto: $1-10/month in gas fees

Annual savings: $30,000-$42,000.

The math gets even better for high-ticket merchants. If you're selling luxury goods, B2B services, or wholesale products where average transaction values exceed $500, the savings multiply exponentially.

How Larecoin Beats NOWPayments and CoinPayments

NOWPayments and CoinPayments market themselves as "crypto payment solutions."

They're not.

They're traditional payment processors wearing crypto masks.

NOWPayments fees:

• 0.5% per transaction (non-custodial)

• 1% per transaction (custodial)

• Minimum payment thresholds

• Settlement delays

CoinPayments fees:

• 0.5% per transaction

• Withdrawal fees on top

• Account approval required

• Service terms and conditions

Both platforms act as intermediaries. They control the flow. They can freeze funds, reject transactions, or terminate accounts.

Larecoin eliminates the middleman entirely.

You generate a wallet address. Customer sends LARE or LUSD. Transaction confirms on-chain. Funds hit your wallet within seconds.

No percentage fees. No approval process. No service dependency.

The 5-Minute Self-Custody Setup

Step 1: Create Your Larecoin Wallet (2 minutes)

Download a Solana-compatible wallet like Phantom or Solflare. Generate a new wallet address. Save your seed phrase offline.

Your wallet is your bank account. No forms. No credit checks. No business verification.

Step 2: Generate Payment QR Code (1 minute)

Copy your wallet address. Use any QR generator to create a scannable code. Add it to your checkout page, invoice template, or physical point-of-sale.

Customers scan. Send crypto. Transaction complete.

Step 3: Accept LARE or LUSD (30 seconds)

LARE is Larecoin's native receivable token built on Solana. Fast confirmation times. Minimal gas fees.

LUSD is the stablecoin version pegged 1:1 with USD. Perfect for merchants who want crypto benefits without price volatility.

Step 4: Test Transaction (1 minute)

Send yourself $10 worth of LARE or LUSD. Watch it arrive in your wallet. Confirm on Solana Explorer.

That's it. You're accepting crypto payments with zero percentage fees.

Optional: Integrate Merchant Portal (30 minutes)

For advanced features like automated invoicing, payment tracking, and NFT receipt generation, connect to Larecoin's merchant portal. Still no custody. Still your keys.

NFT Receipts: Proof of Purchase Meets Web3

Traditional receipts are forgettable paper or email clutter.

Larecoin generates NFT receipts for every transaction.

Each purchase mints an on-chain receipt containing:

• Transaction timestamp

• Amount paid

• Product/service details

• Merchant information

These NFTs live in the customer's wallet permanently. No lost receipts. No forgotten purchase history. Perfect for warranty claims, returns, or expense reporting.

Merchants can embed loyalty rewards, exclusive content, or discount codes directly into NFT receipts. Turn every transaction into a marketing opportunity.

LUSD: Stablecoin Simplicity for Risk-Averse Merchants

Crypto volatility scares traditional merchants. They see Bitcoin crash 20% overnight and run back to Visa.

LUSD solves this.

Larecoin's stablecoin tracks USD value 1:1. Customer pays $100 in LUSD, you receive $100 in stable value. No conversion risk. No price swings.

You still get:

• Sub-penny gas fees

• Instant settlement

• Self-custody control

• Chargeback immunity

With the stability of fiat.

Convert to traditional currency later if needed, or hold LUSD for future crypto payments. The choice is yours: not a payment processor's.

Cross-Border Payments Without the Cross-Border Fees

International transactions destroy profit margins.

Traditional processors charge 3-6% for currency conversion. Add another 1-2% for cross-border processing. Wire transfer fees stack on top.

A $5,000 payment from Europe costs $250-400 in combined fees.

Self-custody crypto treats all transactions identically. Customer in Japan sends LUSD to your wallet in Texas. Same gas fee as a local transaction. Same speed. Same finality.

No currency conversion fees. No international processing fees. No correspondent banking delays.

For merchants selling globally: ecommerce stores, digital services, B2B software: this levels the playing field completely.

Chargebacks: The $125 Billion Problem That Disappears

Chargeback fraud costs merchants $125 billion annually.

Customer disputes a legitimate charge. Bank sides with customer by default. Merchant loses product, payment, and pays a $25-100 chargeback fee on top.

Friendly fraud accounts for 60-80% of chargebacks. Customers receive goods, claim they didn't, reverse payment.

Blockchain transactions are final once confirmed.

No disputes. No reversals. No chargeback fees.

If a customer wants a refund, they request it directly. You decide whether to issue it. Control stays with the merchant where it belongs.

Financial Sovereignty: Your Money, Your Rules

Payment processors are gatekeepers.

They can freeze accounts without warning. Impose transaction limits. Terminate service for "high-risk" industries. Hold funds for 30+ days.

Larecoin self-custody returns control to merchants.

Your wallet. Your private keys. Your funds. No third party can freeze, seize, or restrict access.

Sell what you want. Serve who you want. Operate on your terms.

This matters especially for industries payment processors discriminate against: supplements, CBD, firearms, adult content, political organizations. Self-custody crypto doesn't care about your industry.

Real-World Cost Comparison

Let's run actual numbers for a mid-sized ecommerce business:

Annual revenue: $500,000 Average transaction: $150

Traditional Processing:

• Transaction fees (2.9% + $0.30): $15,500

• Monthly gateway fee ($30): $360

• Chargeback fees (2% rate at $50 each): $667

• Total annual cost: $16,527

Larecoin Self-Custody:

• Gas fees (3,333 transactions at $0.01): $33

• NFT minting (optional): $100

• Total annual cost: $133

Savings: $16,394 per year.

That's 99% cheaper than traditional processing.

Now scale that for high-volume merchants processing millions annually. The savings become business-transforming.

Getting Started Today

Stop letting payment processors drain your profits.

Set up your self-custody wallet in five minutes. Generate a payment address. Start accepting LARE or LUSD.

No applications. No approval delays. No percentage fees.

Just direct, peer-to-peer payments the way crypto was designed.

Join thousands of merchants already cutting fees by 50-99% with Larecoin's self-custody ecosystem. Take control of your payment infrastructure today.

Visit Larecoin to start accepting zero-fee crypto payments now.

Your profit margins will thank you.