How to Reduce Merchant Interchange Fees by 50%+ and Ditch Your Bank (Yes, Really)

Let's talk about the silent profit killer in your business.

Interchange fees.

Every time a customer swipes their card, you're hemorrhaging 2.75–4% of the transaction. On $100,000 monthly revenue, that's $33,600 vanishing annually. Gone. Just like that.

Traditional payment processors built an empire on these fees. And they're not giving up that cash cow without a fight.

But here's the thing: You don't need them anymore.

The Traditional Payment Processing Scam

Banks and payment processors act like middlemen are essential. They're not.

Here's what you're actually paying for:

• Processing fees: 2.75–4% per transaction

• Monthly gateway fees: $15–$50

• PCI compliance fees: $50–$200/year

• Chargeback fees: $15–$100 per dispute

• International transaction fees: Additional 1–3%

• Account holds and freezes when they feel like it

And the best part? They can shut you down anytime. No warning. No recourse.

Your money. Their rules.

The Web3 Alternative: Gas Fees Only

Self-custody merchant accounts flip the entire model.

No banks. No processors. No middlemen.

Just you, your customers, and blockchain infrastructure.

The new fee structure:

• Transaction costs: $0.001–$2.00 in gas fees

• Total percentage: Under 1% for most transactions

• Monthly fees: $0

• Setup fees: $0

• International fees: $0

• Chargeback fees: $0 (they don't exist)

On that same $100,000 monthly revenue:

• Old cost: $33,600/year

• New cost: $600–$2,400/year

• Savings: $31,200–$33,000 annually

That's not a typo. That's the reality of ditching legacy financial infrastructure.

How Larecoin Stacks Up Against Competitors

Let's be real. Plenty of crypto payment processors exist.

But not all Web3 payment solutions are created equal.

NOWPayments charges 0.5–1% per transaction. Better than banks, but still extracting percentage fees. Plus, they custody your funds. Not true financial sovereignty.

CoinPayments hits you with 0.5% + network fees. Again, better than Visa. But why pay platform fees on top of gas?

Triple-A charges 1% flat. Same story. They're just cheaper middlemen.

Here's where Larecoin breaks the mold:

• True self-custody: You control your funds. Always.

• Gas fees only: No platform percentage fees whatsoever.

• NFT receipts: Permanent, immutable accounting records on-chain.

• LUSD stablecoin integration: Accept payments without crypto volatility.

• Receivables token: Tokenize your incoming payments for instant liquidity.

The Technical Edge: NFT Receipts for Accounting

Traditional receipts? Paper or PDF files.

Easy to lose. Easy to fake. Pain in the ass at tax time.

NFT receipts change everything.

Every transaction becomes a permanent on-chain record:

• Transaction amount

• Date and timestamp

• Customer wallet address

• Product/service details

• Tax jurisdiction data

Your accountant will cry tears of joy. Audits become trivial. No more shoebox full of crumpled receipts.

And here's the kicker: These NFTs can integrate directly with accounting software. Automated bookkeeping. Real-time reconciliation. Zero manual data entry.

LUSD Stablecoin: Crypto Payments Without the Volatility

"But I don't want Bitcoin price swings affecting my revenue!"

Fair point.

That's why LUSD exists.

Liquid USD (LUSD) is a decentralized stablecoin pegged to the dollar. Accept payments in LUSD and you get:

• Price stability (1 LUSD = $1 USD)

• No bank account required

• No KYC friction for customers

• Instant settlement

• True decentralization (no company can freeze your LUSD)

Unlike USDC or USDT, LUSD isn't controlled by a centralized entity. It's algorithmic. It's trustless. It's exactly what merchant payments should be.

Self-Custody Merchant Accounts: Your Money, Your Rules

Let's talk about the elephant in the room.

Account freezes.

Traditional processors love to hold your funds hostage:

• "Suspicious activity detected"

• "We need additional verification"

• "Your industry is high-risk"

Meanwhile, your cash sits frozen. Bills pile up. Employees need paychecks.

Self-custody merchant accounts eliminate this nightmare entirely.

Your funds sit in a wallet only you control. No company has access. No bureaucrat can freeze your account. No "compliance team" can hold your money for 90 days.

Financial sovereignty isn't a buzzword. It's a operational necessity in 2026.

Receivables Token: Instant Liquidity on Future Payments

Here's where things get next-level.

Tokenize your receivables.

Customer has net-30 payment terms? Tokenize that invoice. Sell it on secondary markets for instant cash. No factoring companies. No predatory discount rates.

Smart contracts handle the settlement automatically when payment arrives. The token holder gets paid. You get immediate working capital.

This is invoice factoring rebuilt on Web3 rails. And it's already live.

Chargeback Immunity: Say Goodbye to Fraud

Credit card chargebacks cost merchants $125 billion annually.

Fraudulent disputes. Serial refund scammers. Customers who claim "I never received it" after signing for delivery.

Crypto payments are final. Once the transaction confirms on-chain, it's permanent.

No chargebacks. No disputes. No $100 fees every time someone lies to their credit card company.

Yes, this requires adjusting your refund policy. But the trade-off? Eliminating fraud that destroys small business margins.

Global Operations: No Currency Conversion Spreads

Accepting international payments through banks?

You're getting robbed on currency conversion.

Banks hide 2–3% spreads in exchange rates. Wire transfer fees add another $25–$50. Processing takes 3–5 business days.

Crypto POS systems for small business operate globally by default.

Customer in Tokyo. Merchant in Toronto. Payment settles in seconds. No currency conversion. No international processing fees. No wire transfer delays.

Your business becomes globally accessible without dealing with correspondent banking networks or foreign merchant accounts.

Getting Started: Simpler Than You Think

Ditching your bank sounds radical.

The actual process? Straightforward.

Step 1: Set up a self-custody wallet (5 minutes)

Step 2: Integrate Larecoin payment gateway to your website (15 minutes)

Step 3: Add a crypto POS terminal for in-person sales (optional)

Step 4: Start accepting LUSD stablecoin payments

Step 5: Watch your processing fees vanish

No approval process. No credit check. No waiting for a merchant account.

You're operational in under an hour.

The Bottom Line

Traditional payment processing is a legacy tax on your business.

Banks built their infrastructure in the 1970s. The internet broke their model. But they convinced everyone the middlemen were still necessary.

They're not.

Web3 global payments proved merchants can operate without banks entirely. Lower fees. Instant settlement. True ownership. Global reach.

The question isn't whether to adopt crypto merchant accounts.

The question is how much longer you'll keep paying unnecessary fees to institutions that add zero value.

Ready to slash your interchange fees by 50%+ and take back control of your revenue?

Visit Larecoin and start accepting crypto payments today.

Your margins will thank you.