How to Cut Your Merchant Interchange Fees in Half Using Web3 Global Payments (5-Minute Setup)

Traditional payment processors are bleeding your business dry.

Every swipe. Every transaction. Every international payment.

You're paying 2.5-3.5% in fees. Plus monthly gateway charges. Plus chargeback penalties. Plus FX markups that make no sense.

Web3 global payments cut that in half. Sometimes more.

Here's exactly how to do it in five minutes.

The Hidden Tax on Traditional Payment Processing

Most merchants don't realize how much they're actually paying.

The breakdown looks like this:

• Interchange fees: 1.5-2.5%

• Network fees: 0.1-0.3%

• Processor markup: 0.2-0.5%

• International FX conversion: 1-3%

• Monthly gateway fees: $10-30

• Chargeback fees: $25-100 per incident

Processing $500,000 annually? You're losing $13,300-$22,100 to fees alone.

That's profit. Gone.

And here's the thing: traditional processors like NOWPayments and CoinPayments claim they're "crypto solutions," but they still charge 0.5-1% processing fees on top of network costs. They're middlemen with a blockchain coat of paint.

How Web3 Payments Actually Work

Blockchain payments eliminate the middlemen entirely.

Here's what you pay instead:

• Network gas fees: $0.50-$3 per transaction

• Zero monthly fees

• Zero interchange costs

• Zero compliance overhead

• Zero chargebacks

Same $500,000 in annual volume? You pay $2,500-$5,000 total.

That's an 81% reduction in fees.

The math is simple. Blockchain networks operate on transparent, immutable ledgers. No banks. No card networks. No payment processors taking their cut.

Just direct, peer-to-peer value transfer with cryptographic verification.

The 5-Minute Setup Process

Step 1: Configure Your Accepted Cryptocurrencies (60 seconds)

Choose which digital assets you'll accept:

• LUSD (Larecoin's native stablecoin: zero volatility, algorithmic stability)

• USDC (regulated fiat stablecoin)

• SOL (Solana: sub-second settlement)

• ETH (Ethereum ecosystem compatibility)

• BTC (Bitcoin for maximum reach)

Most merchants start with LUSD and USDC. Instant settlement. No volatility risk. Direct custody.

Step 2: Enable NFT Receipt Generation (90 seconds)

Every transaction generates an immutable NFT receipt.

Blockchain-verified timestamps. Automatic tax documentation. Audit-ready compliance.

Unlike NOWPayments or CoinPayments: which give you CSV exports and email receipts: NFT receipts are cryptographically signed, tamper-proof, and stored permanently on-chain.

Zero dispute resolution needed. The blockchain is your receipt.

Step 3: Set Up Self-Custody Settlement (120 seconds)

Connect your wallet. That's it.

Payments settle directly to YOUR wallet. Not a third-party custodian. Not a payment processor holding your funds for 2-5 business days.

Your crypto. Your keys. Your control.

Traditional processors require business verification, banking partnerships, and compliance reviews. Web3 requires a wallet address.

Step 4: Optimize Gas Cost Strategy (60 seconds)

Smart merchants batch their settlements.

Receive unlimited transactions throughout the day. Consolidate to cold storage once daily. Pay one network fee for unlimited inbound payments.

A coffee shop processing 200 transactions daily pays one $2 gas fee: not 200 separate fees.

This is where Larecoin's architecture shines. Built on Solana's low-fee infrastructure with intelligent batching protocols.

Real-World Savings Examples

Small Business (Coffee Shop):

• Monthly volume: $50,000

• Traditional fees (3%): $1,500/month

• Web3 fees (<1%): $500/month

• Monthly savings: $1,000

• Annual savings: $12,000

Medium Business (E-commerce Store):

• Monthly volume: $200,000

• Traditional fees (2.9%): $5,800/month

• Web3 fees (0.8%): $1,600/month

• Monthly savings: $4,200

• Annual savings: $50,400

Large Business (International Retailer):

• Monthly volume: $500,000

• Traditional fees (3.2%): $16,000/month

• Web3 fees (0.9%): $4,500/month

• Monthly savings: $11,500

• Annual savings: $138,000

These numbers are conservative. International transactions see even bigger savings.

Why Larecoin Beats NOWPayments and CoinPayments

Let's be direct about the competition.

NOWPayments charges:

• 0.5% processing fee

• Additional network fees

• No native stablecoin

• Custodial wallet required

• No NFT receipt infrastructure

CoinPayments charges:

• 0.5% processing fee

• Conversion fees between cryptos

• 48-hour settlement holds

• Third-party custody

• Limited blockchain options

Larecoin offers:

• Zero processing fees (only network gas)

• Native LUSD stablecoin integration

• Instant self-custody settlement

• Automatic NFT receipt generation

• Multi-chain compatibility

• Sub-second transaction finality

The difference isn't incremental. It's architectural.

NOWPayments and CoinPayments are traditional payment processors accepting crypto. Larecoin is a Web3-native global payments protocol.

The LUSD Advantage

Most "crypto payment" solutions force merchants to accept volatile assets or pay conversion fees to stablecoins.

LUSD is Larecoin's algorithmic stablecoin. Soft-pegged to USD. Zero conversion fees. Instant liquidity.

Accept payments in LUSD. Hold LUSD. Settle in LUSD. Never touch volatile crypto if you don't want to.

Or keep a percentage in LARE tokens for ecosystem rewards and governance participation.

Your choice. Your custody. Your strategy.

NFT Receipts Change Everything

Traditional payment processors give you transaction IDs and email confirmations.

Web3 gives you cryptographic proof.

Every Larecoin transaction generates an NFT receipt with:

• Immutable timestamp

• Transaction hash verification

• Merchant/customer wallet addresses

• Payment amount and currency

• Smart contract execution proof

Tax time? Export your NFT receipt collection. Audit-ready. Blockchain-verified. Dispute-proof.

Chargebacks? Impossible. The transaction is cryptographically final and recorded on-chain.

Customer claims they didn't pay? Show the NFT. Case closed.

Cross-Border Payments Without the Markup

International payments through traditional processors are robbery.

• 3-7 day settlement windows

• 3-5% FX conversion fees

• Correspondent banking fees

• Wire transfer charges

A $10,000 international payment costs $330 in fees and takes a week.

Same payment on Larecoin? $3 in gas fees. Settled in 90 seconds.

Global commerce shouldn't require permission from legacy banking infrastructure.

Security Through Self-Custody

Traditional payment processors hold your funds. They can freeze accounts. Block transactions. Impose arbitrary compliance requirements.

Web3 payments settle directly to your wallet.

Nobody can freeze your crypto. Nobody can reverse your transactions. Nobody can impose capital controls.

This isn't just about fees. It's about merchant independence.

Your business. Your payments. Your sovereignty.

Getting Started Today

Visit larecoin.com and connect your wallet.

Configure your accepted currencies. Enable NFT receipts. Start accepting payments.

Five minutes from reading this to processing your first zero-middleman transaction.

No approval process. No business verification. No waiting for bank partnerships.

Just direct, peer-to-peer, cryptographically-verified global payments.

The future of merchant processing isn't coming. It's here.

Cut your fees in half. Take back control. Join the Web3 payments revolution.

Ready to escape interchange fees?

Set up your Larecoin merchant account at larecoin.com and start saving today.