How to Reduce Merchant Interchange Fees by 50% and Keep Full Control (Easy Guide for LUSD Stablecoin Benefits)

The Problem: Interchange Fees Are Eating Your Profits

Every swipe. Every tap. Every online checkout.

Visa and Mastercard take their cut. Processors stack their fees. Banks grab their share.

By the time the dust settles? You're looking at 2-4% gone from every single transaction.

That's not pocket change. For a merchant processing $100,000 monthly, that's $2,000-$4,000 vanishing into the traditional payment void.

Every. Single. Month.

There's a smarter way. And it doesn't require you to hand over your keys to another centralized platform.

Traditional Fee Reduction Methods: Band-Aids on a Broken System

Let's be real about what merchants typically try.

Surcharging Programs

Pass the cost to customers. Cap at 4% in the US. Recover maybe half your interchange costs.

Sounds okay until customers start shopping elsewhere.

Interchange Optimization

Use Level 2/3 data. Qualify for lower interchange categories. Save 0.10%-0.30% on consumer cards. Maybe 0.70%-1.50% on B2B transactions.

Better. But you're still playing within their system.

Negotiating with Processors

Get interchange-plus pricing. Separate the fees. See exactly what you're paying.

Transparency helps. But the underlying fees? Still there.

These approaches work within the traditional framework. They optimize around the edges.

They don't solve the fundamental problem.

The Real Solution: LUSD Stablecoin Payments

Here's where it gets interesting.

LUSD stablecoin payments bypass traditional card networks entirely. No Visa. No Mastercard. No interchange.

When a customer pays with LUSD:

• Transaction settles on blockchain

• Network fees measured in fractions of cents

• No percentage-based cuts from middlemen

• Funds go directly to your wallet

The math is simple. Traditional card: 2.5% fee on $100 = $2.50 gone.

LUSD payment: Network gas fee = pennies.

That's not a 50% reduction. That's closer to 95%.

But let's be conservative. Even accounting for conversion costs and operational overhead, merchants consistently see 50%+ savings compared to traditional interchange.

Why LUSD Over Other Stablecoins?

Stablecoins aren't all created equal.

LUSD offers:

• Dollar peg stability - No volatility concerns for daily commerce

• Decentralized issuance - Not controlled by a single company

• Transparent backing - Know exactly what secures your funds

• Low transaction costs - Optimized for commerce, not speculation

For merchants? This means predictable, stable value without the wild swings that make Bitcoin or Ethereum impractical for everyday transactions.

Your customers pay $50. You receive $50 worth of value. Simple.

Full Control: The Self-Custody Advantage

Here's where Larecoin diverges from platforms like NOWPayments and CoinPayments.

Those platforms work. They process payments. But they also hold your funds.

You're trusting them with your money. Waiting for their withdrawal schedules. Playing by their rules.

With Larecoin's self-custody approach:

• Funds hit YOUR wallet directly

• No third-party holding your revenue

• Withdraw whenever you want

• Your keys, your coins, your business

This isn't just about security. It's about independence.

When you self-custody, platform shutdowns don't affect you. Policy changes don't freeze your funds. You're not begging for access to your own money.

That's merchant freedom.

NOWPayments vs. CoinPayments vs. Larecoin: Real Talk

Let's break down the differences.

NOWPayments

• Multiple crypto support

• 0.5% fee on transactions

• Custodial by default

• API-focused integration

• Centralized infrastructure

CoinPayments

• Wide altcoin support

• 0.5% transaction fees

• Built-in wallet (their wallet)

• Established since 2013

• Custodial model

Larecoin Ecosystem

• LUSD stablecoin focus

• Gas-only transfers

• Self-custody native

• NFT receipt system

• Decentralized architecture

The pattern with traditional crypto payment processors? They've basically recreated the middleman problem in crypto form.

Lower fees than Visa? Sure. But still fees. Still custody. Still someone else controlling your payment flow.

Larecoin flips this model.

NFT Receipts: Beyond Basic Payment Processing

Standard payment confirmation: Email. PDF. Maybe a dashboard entry.

Boring. Forgettable. No additional value.

NFT receipts change the game.

Every transaction can mint an NFT receipt:

• Immutable proof - Blockchain-verified purchase record

• Customer engagement - Collectible receipt they actually want

• Loyalty integration - Build rewards around receipt ownership

• Dispute resolution - Tamper-proof transaction evidence

This isn't gimmick territory. It's practical Web3 commerce infrastructure.

Customers collect receipts. Merchants reduce chargebacks. Everyone has transparent, verifiable records.

NOWPayments doesn't offer this. CoinPayments doesn't offer this. It's a Larecoin ecosystem advantage.

Setting Up Your 50% Fee Reduction

Ready to stop bleeding interchange fees?

Step 1: Understand Your Current Costs

Pull your merchant statements. Calculate your effective rate. Most merchants are shocked when they see the actual number.

Step 2: Explore the Larecoin Ecosystem

Head to https://larecoin.com and explore the payment infrastructure. Review the self-custody options. Understand how LUSD integration works.

Step 3: Configure Your Wallet

Self-custody means your wallet. Set up a compatible wallet. Secure your keys properly. This is your payment destination.

Step 4: Integrate Payment Options

Add LUSD payment acceptance alongside your existing methods. Don't go all-or-nothing. Let customers choose.

Step 5: Track Your Savings

Compare monthly costs. Traditional vs. LUSD payments. The numbers speak for themselves.

The Independence Factor

Here's what really matters.

Traditional payment processing keeps merchants dependent. Processors can raise rates. Networks can add fees. Banks can change terms.

You have zero leverage.

Decentralized crypto payments shift that balance. You're not asking permission. You're not waiting for approvals. You're accepting value directly from customers.

That's not just cost savings. That's business sovereignty.

Common Concerns Addressed

"My customers don't use crypto."

More do than you think. And the number grows daily. Offer it as an option. Watch adoption surprise you.

"Isn't crypto too volatile?"

LUSD is a stablecoin. Pegged to the dollar. No wild price swings. Your $100 sale stays a $100 sale.

"What about taxes and accounting?"

Blockchain provides perfect transaction records. Every payment timestamped and traceable. Your accountant will actually thank you.

"Is it really that much cheaper?"

Run the numbers yourself. Traditional interchange: 2-3%. LUSD network fees: fractions of a cent per transaction. The math is undeniable.

Your Next Move

Interchange fees aren't going down. Card networks aren't suddenly becoming generous. Processors aren't reducing margins.

The traditional payment system extracts value from merchants by design.

LUSD stablecoin payments through the Larecoin ecosystem offer a genuine alternative. Real savings. Full control. Actual independence.

Fifty percent fee reduction is the floor, not the ceiling.

Self-custody means nobody controls your funds but you.

NFT receipts add value beyond basic transaction processing.

The infrastructure exists. The technology works. The savings are real.

Stop paying interchange. Start keeping your revenue.

Explore Larecoin today.