How to Reduce Merchant Interchange Fees by 50% and Keep Full Self-Custody (Easy Guide for Small Businesses)

Interchange fees are eating your profits. Every swipe, tap, and online checkout costs you 1.5% to 3.5%. Sometimes more.

For small businesses processing $50,000 monthly? That's up to $1,750 gone. Every single month.

Traditional payment processors promise savings. They deliver complexity. And they definitely don't give you self-custody.

Here's the thing: crypto payments change everything.

The Interchange Fee Problem Nobody Talks About

Credit card networks and payment processors have built a system that works great: for them.

Here's what you're actually paying:

• Interchange fees to card networks

• Assessment fees to Visa/Mastercard

• Processor markup fees

• Gateway fees

• Monthly fees

• Statement fees

• PCI compliance fees

It adds up. Fast.

Traditional advice says negotiate better rates. Switch to interchange-plus pricing. Encourage debit over credit. Sure, these help. But you're still playing their game.

And self-custody? Forget it. Your funds sit in their accounts until they decide to release them.

Why Crypto Payments Deliver What Traditional Methods Can't

Crypto payments eliminate the middlemen.

No card networks taking their cut. No processors holding your funds hostage. No arbitrary holds or frozen accounts.

Direct peer-to-peer transactions. Merchant to customer. That's it.

The math is simple:

Traditional credit card processing: 2.5% to 3.5% per transaction Crypto payment processing: Under 1% (often much less)

That's not a 50% reduction. That's closer to 70-80% savings on processing costs.

Plus full self-custody. Your funds hit your wallet. Immediately. You control the keys. You control the money.

Enter Larecoin: Built for Merchant Freedom

Larecoin isn't just another crypto payment processor. It's a complete ecosystem designed for merchants who want independence.

What makes Larecoin different:

• Gas-only transfers: Minimal transaction costs

• LUSD stablecoin: Avoid crypto volatility completely

• NFT receipts: Immutable proof of every transaction

• Self-custody by default: Your wallet, your keys, your funds

• Web3-native architecture: Built for the decentralized future

No custodial accounts. No waiting for settlement. No permission needed to access your own money.

LUSD: The Stablecoin That Solves Volatility

"But crypto is volatile!"

Heard that one before. It's valid: for Bitcoin and most altcoins.

LUSD changes the equation.

Pegged to stable value. Instant settlement. Zero volatility risk for merchants.

Accept payment in LUSD. Keep it in LUSD. Convert when you want: or don't.

Your customers get the benefits of crypto payments. You get predictable revenue. Everyone wins.

Compared to competitors like NOWPayments or CoinPayments, Larecoin's native stablecoin integration means:

• No third-party conversion services

• No additional conversion fees

• No waiting for fiat settlements

• Complete control over when and how you convert

NOWPayments charges conversion fees. CoinPayments adds settlement delays. Larecoin keeps it simple: receive LUSD, hold LUSD, done.

NFT Receipts: Proof That Can't Be Disputed

Every Larecoin transaction generates an NFT receipt.

Not a gimmick. A game-changer.

Why NFT receipts matter:

• Immutable record on the blockchain

• Impossible to alter or forge

• Instant verification for disputes

• Automatic audit trail

• Customer loyalty opportunities

Chargebacks cost merchants billions annually. Traditional payment processors side with customers by default. You're guilty until proven innocent.

NFT receipts flip the script. Every transaction is permanently recorded. Timestamped. Verified. Immutable.

Dispute a transaction? Pull up the NFT. Case closed.

Self-Custody: Why It Actually Matters

Here's what happens with traditional payment processors:

1. Customer pays

2. Funds go to processor's account

3. Processor holds funds for 1-3 days (or longer)

4. Processor releases funds (minus fees)

5. Funds arrive in your bank account

That's four to five days of your money sitting in someone else's account. Earning them interest. Subject to their rules.

Self-custody with Larecoin:

1. Customer pays

2. Funds arrive in your wallet

That's it. Two steps. Immediate access.

No holds. No reserves. No frozen accounts because an algorithm flagged something suspicious.

Your keys. Your crypto. Your business.

How Larecoin Stacks Up Against NOWPayments and CoinPayments

Let's get specific.

NOWPayments:

• Custodial options available (not true self-custody)

• Multiple conversion fees

• Limited stablecoin options

• No native NFT receipt system

• Processing fees add up

CoinPayments:

• Custodial by design

• 0.5% base fee plus additional charges

• Settlement delays for fiat conversion

• No built-in receipt verification

• Complex fee structure

Larecoin:

• Self-custody by default

• Gas-only transfers (minimal fees)

• Native LUSD stablecoin

• Automatic NFT receipts

• Transparent, simple pricing

The difference isn't subtle. It's fundamental architecture.

NOWPayments and CoinPayments bolt crypto onto traditional payment models. Larecoin builds from Web3 principles from the ground up.

Step-by-Step: Getting Started with Larecoin

Ready to cut those interchange fees? Here's how to start.

Step 1: Set Up Your Wallet

Download a Solana-compatible wallet. Larecoin runs on Solana for fast, low-cost transactions. Phantom or Solflare work great.

Step 2: Get Your Merchant Address

Your wallet address becomes your payment destination. Share it via QR code, payment link, or integration.

Step 3: Configure LUSD Acceptance

Set up your wallet to receive LUSD. Avoid volatility from day one.

Step 4: Start Accepting Payments

Point-of-sale integration. E-commerce plugins. Direct wallet transfers. Multiple options depending on your business model.

Step 5: Access Your Funds Immediately

No waiting. No approval process. Funds arrive in your wallet the moment transactions confirm.

Visit larecoin.com to explore the full ecosystem and join the community.

Real Savings for Real Businesses

Let's run the numbers for a small business processing $30,000 monthly.

Traditional Credit Card Processing (at 2.75% average):

• Monthly fees: $825

• Annual fees: $9,900

Larecoin Crypto Payments (gas-only):

• Monthly fees: Under $150

• Annual fees: Under $1,800

Annual savings: Over $8,000

That's not 50%. That's over 80% reduction in payment processing costs.

Plus immediate access to funds. Plus self-custody. Plus NFT receipts for dispute protection.

The math works. The technology works. The only question: why are you still paying interchange fees?

The Merchant Independence Movement

This isn't just about saving money. It's about freedom.

Freedom from payment processor rules. Freedom from arbitrary account holds. Freedom from watching middlemen take their cut of every transaction.

Decentralized payments put merchants back in control.

Larecoin leads this movement. LUSD provides stability. NFT receipts provide protection. Self-custody provides independence.

Your next steps:

1. Visit larecoin.com to learn more

2. Join the Larecoin community for merchant support

3. Check out the blog for more guides and updates

Stop giving away your profits. Start accepting crypto payments with full self-custody.

The future of merchant payments is decentralized. Larecoin makes it easy.