How to Cut Your Interchange Fees by 50% in 5 Minutes with Web3 Global Payments

Interchange fees are bleeding merchants dry.

2.5% to 3.5% per transaction. Add international fees. Currency conversion markups. Chargebacks. Monthly gateway costs.

Your $500,000 in annual revenue just cost you $15,000 in fees.

Web3 global payments flip this model. No banks. No card networks. No intermediaries taking cuts.

Direct wallet-to-wallet transfers. Blockchain settlement. Gas-only costs.

Your new fee? Under 1%.

The Traditional Payment Stack Is Broken

Every credit card transaction passes through five intermediaries:

• Issuing bank

• Card network (Visa/Mastercard)

• Acquiring bank

• Payment processor

• Gateway provider

Each one takes a slice. Each one adds delays.

International payments? Add correspondent banks and FX markups.

Settlement takes 3-7 business days. Chargebacks hit 45-90 days later. Rolling reserves lock up 10% of your revenue.

The system wasn't built for merchants. It was built for banks.

How Web3 Payments Work

Blockchain eliminates the middlemen.

Customer sends LUSD stablecoin from their wallet. Transaction validates on-chain. Funds arrive in your self-custody wallet.

Total time: 5 minutes.

Total cost: Gas fees only.

Solana transactions: $0.00025 per payment.

Ethereum transactions: $1-5 depending on network congestion.

A $10,000 international payment costs $66 in Web3 fees versus $330 traditionally. That's an 80% reduction.

Same payment. Same settlement. 80% cheaper.

Real Numbers That Matter

$500,000 Annual Revenue:

• Traditional fees: $12,500

• Web3 fees: $3,000

• Annual savings: $9,500

$2M Annual Revenue:

• Traditional fees: $60,000

• Web3 fees: $12,000

• Annual savings: $48,000

Scale those numbers across enterprise operations. The savings compound fast.

Why Larecoin Beats NOWPayments, CoinPayments, and Triple-A

Most crypto payment processors still charge 0.5% to 1% per transaction. They're just cheaper middlemen.

Larecoin isn't a payment processor. It's a payment protocol.

NOWPayments Comparison

NOWPayments charges 0.5% per transaction plus withdrawal fees. Their custody model holds your funds.

Larecoin: Gas-only transfers. Zero percentage fees. Instant self-custody.

CoinPayments Comparison

CoinPayments uses a 0.5% fee structure with tiered withdrawal costs. Payments require account verification and KYC at multiple checkpoints.

Larecoin: Master/sub-wallet architecture. Merchant controls funds immediately. No custody risk.

Triple-A Comparison

Triple-A offers crypto-to-fiat conversion with 1% fees. Useful for volatility protection but adds conversion delays and costs.

Larecoin: LUSD stablecoin maintains USD parity. No conversion needed. No volatility exposure.

The difference? Larecoin built native infrastructure. Competitors built gateways on top of old rails.

Technical Advantages That Actually Matter

NFT Receipts

Every transaction generates an NFT receipt. Immutable proof of purchase stored on-chain.

No paper trails. No lost invoices. Permanent transaction history.

Customers get collectible proof. Merchants get automated accounting. Disputes resolve with blockchain verification.

LUSD Stablecoin

Price stability without fiat conversion. LUSD maintains 1:1 USD parity through algorithmic backing.

Accept payments without crypto volatility risk. Hold treasury reserves without bank dependency.

Gas-Only Transfers

Zero percentage-based fees. Pay network costs only. Predictable pricing regardless of transaction size.

$100 payment? Same gas fee as $100,000 payment.

Self-Custody Control

Your wallet. Your keys. Your funds.

No payment processor holds your money. No rolling reserves. No settlement delays.

Instant access to revenue from moment of transaction.

The 5-Minute Setup

No merchant account applications. No credit checks. No approval waiting periods.

Step 1: Create master wallet (2 minutes)

Step 2: Generate QR-based POS codes (1 minute)

Step 3: Configure sub-wallets for departments (1 minute)

Step 4: Test transaction (1 minute)

Done.

Your payment infrastructure is live.

Master/Sub-Wallet Architecture

Organize payments by location, department, or product line.

Master wallet: Central treasury control

Sub-wallets: Individual store locations, online channels, marketplace vendors

Route payments automatically. Track revenue streams separately. Maintain unified oversight.

Perfect for franchises. Essential for multi-location operations. Critical for marketplace models.

QR-Generated POS System

Turn any device into a payment terminal.

Generate dynamic QR codes for fixed or variable amounts. Customers scan with crypto wallet. Payment confirms on-chain.

No hardware costs. No terminal leases. No monthly POS fees.

Works on tablets, phones, kiosks, or printed displays.

The Metaverse Shopping Future

Web3 payments unlock the next commerce layer.

Social Shopping in B2B2C Metaverse

Larecoin's metaverse creates virtual shopping spaces where brands, wholesalers, and consumers interact directly.

Browse virtual storefronts. Inspect 3D product models. Complete purchases with wallet signatures.

Social integration lets friends shop together across continents. Product discovery happens through community engagement.

VR/AR Commerce Convenience

Try before you buy from your living room. Visualize furniture in your space. See clothing on your avatar.

AR overlays show product information, reviews, and pricing. VR environments create immersive brand experiences.

Payment happens seamlessly within the experience. No checkout pages. No form fields. Just wallet confirmation.

The future of retail isn't just online. It's dimensional.

Compliance & Trust Infrastructure

Web3 doesn't mean wild west.

Federal MSB Registration: Larecoin operates as a registered Money Services Business under FinCEN regulations.

State-Level MTL Coverage: Money Transmitter Licenses across U.S. jurisdictions ensure compliance with state financial regulations.

KYC/AML Protocols: Built-in compliance tools for merchant verification and transaction monitoring.

You get decentralized infrastructure with centralized regulatory compliance. Best of both systems.

Check our trust credentials for full regulatory documentation.

Why This Matters Now

Payment costs rise every year. Interchange fees increased 2.5% in 2025 alone.

Chargebacks hit all-time highs. Fraud rates climb. Traditional processors add new fee categories.

Web3 payment infrastructure exists today. The technology works. The savings are real.

The question isn't whether to adopt crypto payments.

The question is how much you'll lose by waiting.

Start Cutting Fees Today

Set up your Larecoin merchant wallet in five minutes. Test transactions with zero risk.

Compare your current payment costs against blockchain fees. Run the numbers.

See the difference yourself.

Your next $10,000 in revenue costs $300 in traditional fees or $5 in gas fees.

That's $295 back in your business.

Every transaction. Every day. Every year.

Join the Larecoin community to learn from merchants already making the switch.

Or keep paying 3% to banks.

Your choice.