How to Cut Your Interchange Fees in Half with Self-Custody Crypto Payments (5-Minute Setup)

Interchange fees are bleeding your business dry.

Every swipe. Every transaction. Every sale.

Traditional payment processors pocket 2.5-3.5% of your revenue. Plus gateway fees. Plus acquiring bank fees. Plus monthly charges you didn't even know existed.

$100,000 monthly revenue? You're paying $33,000 per year just to accept payments.

Self-custody crypto payments change everything. Same infrastructure. 93-97% lower fees. Five-minute setup.

Let's break it down.

The Hidden Tax on Your Revenue

Traditional payment rails weren't built for merchants. They were built for banks.

Interchange fees hit you multiple ways:

• Base processing: 2.5-3.5% per transaction

• Gateway fees: $15-50/month minimum

• International card premiums: Additional 3-4%

• Currency conversion: 6-12% on cross-border sales

• Chargeback fees: $15-100 per dispute

• Monthly minimums and compliance costs

A $25,000 monthly revenue business pays approximately $9,000 annually in processing fees alone.

That's $9,000 you could reinvest in inventory, marketing, or team expansion.

Why Self-Custody Crypto Destroys Traditional Fees

Blockchain transactions operate on flat-fee economics.

Send $100? Pay $0.50-$2.00 in gas fees.

Send $100,000? Still pay $0.50-$2.00 in gas fees.

The percentage model evaporates completely.

Self-custody means you control the private keys. No intermediary custody. No third-party permissions. Payments flow directly from customer wallets to your wallet.

Traditional processors like NOWPayments and CoinPayments charge 0.4-0.5% per transaction for crypto acceptance. They're cheaper than credit cards but still extract percentage-based fees.

Larecoin's self-custody approach eliminates the middleman entirely. You pay only blockchain gas fees: nothing more.

The 5-Minute Setup (Seriously)

Minute 1-2: Generate Your Self-Custody Wallet

Choose your wallet type based on volume:

• Hot wallet: Daily operations and smaller balances

• Hardware wallet: Large holdings and maximum security

Create your wallet. Secure your seed phrase. Done.

No credit checks. No application process. No waiting period.

Minute 3-4: Configure Payment QR Codes

Generate static QR codes for fixed amounts or dynamic codes for variable pricing.

Add them to:

• Your website checkout

• Physical POS displays

• Email invoices

• Mobile payment apps

Integration takes minutes, not weeks.

Minute 5: Accept Your First Payment

Customer scans QR code. Sends payment directly to your wallet address. Transaction confirms on blockchain within seconds.

Funds available immediately. No 2-3 day settlement delays.

You're live.

Fee Savings by Business Size

Real numbers matter. Here's what self-custody saves:

Monthly Revenue	Traditional Annual Fees	Self-Custody Annual Fees	Annual Savings
$25,000	$9,000	$600	$8,400 (93% reduction)
$100,000	$33,000	$1,200	$31,800 (96% reduction)
$250,000	$75,000	$2,400	$72,600 (97% reduction)
$500,000	$150,000	$3,600	$146,400 (98% reduction)

These calculations assume average transaction values of $50-100. Higher transaction amounts increase savings even further.

Beyond Fee Savings: The Complete Advantage

Zero Chargeback Risk

Crypto transactions are immutable. Final settlement on blockchain. No reversals. No disputes. No fraudulent chargeback fees.

Traditional processors charge $15-100 per chargeback plus increased processing rates if your dispute ratio climbs.

Self-custody crypto? Zero chargebacks. Ever.

Borderless Payment Economics

International transactions cost identical gas fees as domestic payments.

Credit card international premiums add 3-4% on top of base fees. Currency conversion adds another 6-12%. Cross-border merchants pay 9-16% total on international sales.

Self-custody crypto treats every transaction equally. $2 gas fee whether your customer is local or 10,000 miles away.

Instant Settlement

Traditional processors hold funds for 2-3 business days. Sometimes longer for high-risk categories or international transactions.

Blockchain confirmation takes seconds to minutes. Funds arrive in your wallet immediately. Access your capital when you need it.

No Approval Gatekeeping

Opening a merchant account requires:

• Credit checks

• Business verification

• 2-4 week approval periods

• Risk assessment reviews

• Potential account holds or closures

Self-custody requires none of this. Generate wallet. Start accepting payments. That's it.

No payment processor can freeze your account, change fee structures mid-contract, or terminate services arbitrarily.

You control your funds. You control your business.

NOWPayments vs CoinPayments vs Self-Custody

NOWPayments charges 0.4-0.5% per transaction for crypto payment processing. They handle custody, conversions, and payouts.

CoinPayments charges 0.5% per transaction with additional withdrawal fees ranging from 0.5-5% depending on currency.

Both services offer convenience but retain control of your funds during processing. Both extract percentage-based fees that scale with your revenue.

Self-custody with Larecoin infrastructure eliminates percentage fees entirely. Pay only blockchain gas regardless of transaction volume.

For a $100,000 monthly revenue business:

• NOWPayments: $4,800-6,000/year in fees

• CoinPayments: $6,000-7,200/year in fees

• Larecoin self-custody: $1,200/year in gas fees

The difference compounds dramatically as your business scales.

LUSD: Stablecoin Strategy for Volatility Protection

Accepting volatile cryptocurrencies introduces price risk. Bitcoin fluctuates 5-10% daily. Ethereum swings even wider.

LUSD (Liquidity USD) solves this through algorithmic stability.

Accept payments in LUSD or auto-convert volatile crypto to LUSD immediately upon receipt. Maintain stable purchasing power without third-party custodians.

Traditional processors charge 1-2% for instant fiat conversion. LUSD swaps occur on-chain for standard gas fees: no conversion markup.

You preserve self-custody while eliminating volatility exposure.

NFT Receipts: The Future of Transaction Records

Every payment generates an NFT receipt stored permanently on blockchain.

Benefits include:

• Immutable transaction records

• Customer loyalty program integration

• Resellable digital proof of purchase

• Warranty and authenticity verification

• Marketing and engagement tools

Traditional receipts fade, get lost, or disappear. NFT receipts exist permanently on-chain with cryptographic verification.

Customers can prove purchase authenticity. Merchants can build loyalty programs around receipt collection. Secondary markets can trade rare purchase NFTs.

The receipt becomes more than a record: it becomes a digital asset.

Start Saving Today

Interchange fees don't disappear on their own.

Every month you delay switching to self-custody crypto payments is another month paying 2.5-3.5% to processors.

Setup takes five minutes. Savings compound immediately.

Generate your self-custody wallet at Larecoin and start accepting payments today.

Stop paying interchange fees. Start keeping your revenue.

The choice is simple. The setup is fast. The savings are massive.

Cut your fees. Keep your freedom. Own your payments.

Ready to set up? Visit Larecoin merchants page and launch your self-custody payment system in minutes.

Your future self will thank you.