How to Reduce Merchant Interchange Fees by 50% and Keep Full Custody of Your Crypto (Easy Guide for Small Business)

Interchange fees are eating your profits. Every swipe. Every tap. Every transaction.

Small businesses lose 2-4% on every credit card sale. That's thousands, sometimes tens of thousands, annually. Vanishing into thin air.

There's a better way. Crypto payments. Full custody. Half the fees.

Let's break it down.

The Interchange Fee Problem (It's Worse Than You Think)

Credit card processors love you. Your money? Not so much.

Here's the reality:

• Visa/Mastercard interchange: 1.5-3.5%

• Payment processor markup: 0.2-0.5%

• Monthly fees, PCI compliance fees, chargeback fees

• Funds held for 2-3 days (or longer)

Run $100,000 through traditional payment rails? Kiss $3,000+ goodbye. Every. Single. Year.

And you don't even own the money until they decide to release it.

Crypto Payments: The Promise vs. The Reality

Crypto was supposed to fix this. Peer-to-peer. No middlemen. Near-zero fees.

The promise was real. The execution? Mixed results.

Most crypto payment processors still charge 1-2%. Some lock your funds. Others require mandatory fiat conversion: with hidden spreads that eat into your savings.

NOWPayments? 0.5% fee sounds great. But you're still trusting a third party with settlement.

CoinPayments? Similar story. Decent fees, limited custody options.

Triple-A? Enterprise-focused. Small business? Not their priority.

The pattern is clear: most solutions trade one middleman for another.

You deserve better.

Enter Larecoin: The Receivables Token Built for Merchants

Larecoin isn't just another payment processor. It's an entire ecosystem designed around one principle: your money, your rules.

The Larecoin ecosystem includes:

• LARE – The native receivables token

• LUSD – Stablecoin for predictable settlements

• LarePAY – Merchant payment infrastructure

• LareBlocks – On-chain transaction verification

This isn't a bolt-on crypto option. It's a complete payment architecture.

And the fees? We're talking 50% less than traditional interchange. Sometimes more.

How Larecoin Actually Slashes Fees by 50%

Let's get specific. Numbers matter.

Traditional Credit Card Processing:

• Average interchange: 2.5%

• Processor fee: 0.3%

• Total: ~2.8%

Larecoin Ecosystem:

• Network fees: Minimal (Solana-based, sub-cent transactions)

• No interchange (peer-to-peer settlement)

• No chargebacks (crypto is final)

• Total: ~1.0-1.4%

That's not marketing fluff. That's blockchain math.

Plus, settlements happen in minutes. Not days. Your cash flow thanks you.

The Stablecoin Advantage

Worried about crypto volatility? LUSD handles that.

Accept payments in LUSD. Zero price fluctuation. Zero conversion anxiety. Just stable value, settled instantly.

No exchange rate risks. No hidden spread markups. What customers pay is what you receive.

Self-Custody: Why It Actually Matters

Here's where most payment solutions fail. They hold your money.

Not temporarily. Systematically.

Traditional processors freeze accounts. Delay payouts. Demand reserves. You're at their mercy.

With self-custody crypto payments, funds flow directly to your wallet. No intermediary touching your revenue. No arbitrary holds.

Self-custody benefits:

• Immediate access to funds

• No account freezes

• No payment processor insolvency risk

• Complete financial sovereignty

Your business. Your wallet. Your decision.

The Larecoin Smart Wallet: Self-Custody Made Simple

Self-custody sounds technical. Intimidating, even.

The Larecoin Smart Wallet changes that.

Built for merchants who want control without complexity. Features include:

• Multi-signature security – No single point of failure

• Gas-only transfers – Minimal transaction costs

• Push-to-card – Convert to fiat when needed

• Real-time balance tracking – Know your position instantly

No crypto PhD required. Set up in minutes. Accept payments the same day.

This is self-custody for real businesses. Not just crypto natives.

NFT Receipts: Your New Tax Season Secret Weapon

Here's an innovation most competitors haven't figured out yet.

Every Larecoin transaction generates an NFT receipt. On-chain. Immutable. Timestamped.

Why does this matter?

For Tax Purposes:

• Automatic cost-basis tracking

• Permanent transaction records

• No lost receipts

• Audit-ready documentation

For Accounting:

• Real-time reconciliation

• No manual entry errors

• Exportable data formats

• Integration-ready records

Your accountant will actually thank you. First time for everything.

Traditional payment processors give you CSVs and headaches. Larecoin gives you blockchain-verified proof of every transaction.

QR-Generated POS: From Setup to Payments in 60 Seconds

Complex hardware? Not here.

The Larecoin QR-generated POS system is exactly what it sounds like:

1. Generate a payment QR code

2. Customer scans

3. Payment confirmed

4. Done

No expensive terminals. No lengthy integrations. No technical barriers.

Works for:

• Retail counters

• Pop-up shops

• Food trucks

• Service providers

• Online invoicing

Print it. Display it. Get paid.

Small business owners don't have time for complicated setup processes. This system respects that.

The Competition Comparison (Honest Assessment)

Let's be real about the landscape.

Feature	Larecoin	NOWPayments	CoinPayments	Triple-A
Self-Custody	✅ Full	❌ Partial	❌ Partial	❌ No
NFT Receipts	✅ Yes	❌ No	❌ No	❌ No
Stablecoin Support	✅ LUSD	✅ Yes	✅ Yes	✅ Yes
QR POS	✅ Native	✅ Yes	✅ Yes	✅ Yes
Small Business Focus	✅ Primary	⚠️ Secondary	⚠️ Secondary	❌ Enterprise
Fee Transparency	✅ Full	⚠️ Variable	⚠️ Variable	⚠️ Custom

Competitors offer pieces of the puzzle. Larecoin delivers the complete picture.

Real Math for Real Businesses

Let's run actual scenarios.

Coffee Shop doing $15,000/month:

• Traditional interchange: $420/month lost

• Larecoin ecosystem: ~$180/month

• Annual savings: $2,880

E-commerce store doing $50,000/month:

• Traditional interchange: $1,400/month lost

• Larecoin ecosystem: ~$600/month

• Annual savings: $9,600

Service business doing $100,000/month:

• Traditional interchange: $2,800/month lost

• Larecoin ecosystem: ~$1,200/month

• Annual savings: $19,200

That's not theoretical. That's money back in your pocket.

Getting Started: The 5-Minute Setup

Ready to slash fees and take control?

Step 1: Visit larecoin.com and set up your Smart Wallet

Step 2: Configure your payment preferences (LARE, LUSD, or both)

Step 3: Generate your QR code for in-person payments

Step 4: Add payment links to your online checkout

Step 5: Start accepting payments with full custody

No contracts. No minimums. No gatekeepers.

The Bottom Line

Interchange fees are a tax on doing business. A tax you don't have to pay.

Crypto payments: done right: cut those fees in half. Self-custody eliminates counterparty risk. NFT receipts simplify compliance. QR POS removes hardware headaches.

Larecoin delivers all of it. In one ecosystem. Built for small business.

Stop losing money to legacy payment rails. Start keeping what you earn.

Your margins matter. Act like it.

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Ready to reduce your payment processing costs by 50%? Explore the Larecoin ecosystem and take back control of your revenue today.