How to Cut Your Merchant Interchange Fees by 50% Using NFT Receipts and Self-Custody Accounts

The Fee Problem Nobody Talks About

Merchants are getting crushed.

Traditional payment processors extract 2.9% to 6% per transaction. Every. Single. Time.

Process $1 million annually? You're paying $30,000+ in fees. $100,000 monthly? That's $33,600 to $51,600 disappearing annually.

Interchange fees. Assessment fees. Processor markup. Gateway fees. Monthly account fees.

It's death by a thousand cuts.

And crypto payment gateways like NOWPayments and CoinPayments? They're barely better. NOWPayments charges 0.5% to 0.8% per transaction. CoinPayments takes 0.5% plus withdrawal fees.

Sure, lower than credit cards. But you're still bleeding money to middlemen.

The Web3 Alternative: Gas-Only Transactions

Self-custody blockchain payments eliminate every middleman.

Zero interchange fees. Zero processor markup. Zero gateway fees. Zero monthly account fees.

Just gas. That's it.

Approximately $0.15 per $1,000 in sales. A 99.5% reduction compared to traditional processing.

Process that same $1 million? You pay $150 in gas fees instead of $30,000.

The math is brutal. And beautiful.

NFT Receipts: Your Automated Accounting Department

Here's where it gets interesting.

Every transaction generates an NFT receipt. Immutable. Cryptographically verified. Stored on-chain forever.

No manual reconciliation. No lost receipts. No quarterly accounting nightmares.

Each NFT receipt contains:

• Transaction timestamp

• Exact amounts (crypto and fiat equivalent)

• Wallet addresses

• Tax classification data

• Automatic categorization

Your accounting software reads them directly. QuickBooks integration? Native. Tax filing? Simplified.

Traditional receipts can be forged. Modified. Lost.

NFT receipts? Impossible to alter. Permanently verifiable. Court-admissible.

Self-Custody: You Control Everything

NOWPayments and CoinPayments hold your funds. They maintain custody. They can freeze accounts.

Self-custody means you hold your private keys. You control your wallet. Nobody else.

No approval process. No transaction limits. No forced reserves. No account holds.

Your money. Your control. Period.

Traditional processors freeze merchant accounts all the time. Suspected fraud. Chargebacks. Policy violations. Sometimes just because.

Self-custody eliminates that risk entirely. Your wallet can't be frozen. Ever.

The LUSD Advantage: Stability Without Centralization

Accept stablecoins like USDC and USDT. But LUSD offers something different.

Fully decentralized. Overcollateralized. No central authority can freeze it.

USDC and USDT? Circle and Tether can blacklist addresses. They've done it before.

LUSD is censorship-resistant. True financial sovereignty.

Customers pay in any crypto. Auto-convert to your preferred stablecoin. Zero volatility exposure.

Five-Step Implementation (Takes 10 Minutes)

Step 1: Create Your Merchant Account

Email verification. That's it. No credit checks. No approval waiting period. No documentation requests.

Traditional merchant accounts take weeks. Sometimes months.

Self-custody? Instant.

Step 2: Select Your Stablecoins

Choose USDC, USDT, LUSD, or multiple options. Configure auto-conversion rules.

Want 50% LUSD, 50% USDC? Done. Want to hold BTC? Your call.

Step 3: Configure Payment Settings

Specify accepted digital assets. Set conversion preferences. Customize checkout appearance.

Step 4: Integrate Your Gateway

Shopify plugin. WooCommerce extension. Custom API integration.

Average setup time: 10 minutes.

NOWPayments and CoinPayments require similar integration. But their ongoing fees bleed you dry.

Step 5: Generate Payment Methods

QR codes for in-store POS. Checkout buttons for e-commerce. Invoice links for B2B payments.

Funds arrive in 3-8 seconds. Not 2-3 business days.

Real Savings: The Numbers That Matter

Let's run actual scenarios.

Small Business ($10,000 monthly revenue)

Traditional processing: $290-$600/month = $3,480-$7,200/year

Self-custody Web3: ~$1.50/month = $18/year

Annual savings: $3,462-$7,182

Medium Business ($100,000 monthly)

Traditional: $2,900-$6,000/month = $34,800-$72,000/year

Self-custody: ~$15/month = $180/year

Annual savings: $34,620-$71,820

Large Business ($1,000,000 monthly)

Traditional: $29,000-$60,000/month = $348,000-$720,000/year

Self-custody: ~$150/month = $1,800/year

Annual savings: $346,200-$718,200

Scale that over five years. Ten years.

Those numbers become business-defining.

Beyond Fee Savings: Hidden Benefits

Instant Settlement

Funds arrive in seconds. Not days. Improves cash flow dramatically.

Pay suppliers same-day. Access working capital immediately.

Zero Chargebacks

Blockchain transactions are final. Irreversible.

Merchants lose 0.5-1% annual revenue to chargeback fraud. That's $5,000-$10,000 on $1 million revenue.

Self-custody eliminates it completely.

Global Expansion Without Barriers

Accept payments from 180+ countries. Identical fees everywhere.

No currency conversion unless desired. No merchant accounts in each jurisdiction.

NOWPayments and CoinPayments offer this too. But their fees add up fast across high volumes.

Financial Independence

No one can freeze your account. No transaction limits. No forced reserves.

You answer to nobody.

Why NOWPayments and CoinPayments Still Cost Too Much

Both platforms improved on credit cards. They deserve credit for that.

But they're still custodial. Still extracting fees. Still controlling your funds.

NOWPayments: 0.5-0.8% per transaction + withdrawal fees

CoinPayments: 0.5% per transaction + withdrawal fees

On $1 million annual revenue, that's $5,000-$8,000+ in fees.

Better than $30,000? Absolutely.

But self-custody charges $150.

The choice is obvious.

The Technical Reality: It's Actually Easier

Self-custody sounds complicated. It's not.

Modern wallets handle everything. MetaMask. Trust Wallet. Ledger hardware wallets.

Your customers already use them. Your competitors are adopting them.

The infrastructure exists. Proven. Battle-tested. Billions in daily transaction volume.

Integration is simpler than traditional gateways. Fewer moving parts. Less complexity.

Getting Started Today

The Larecoin ecosystem makes self-custody merchant payments dead simple.

Accept crypto. Issue NFT receipts. Maintain full custody. Pay only gas fees.

No monthly fees. No percentage cuts. No middlemen.

Visit Larecoin and set up your merchant account.

Join the Larecoin community and connect with merchants already saving thousands monthly.

The fee revolution is here. The only question is how long you'll keep overpaying.

Your competitors are already switching. Don't get left behind.