How to Reduce Merchant Interchange Fees by 50%+ and Keep More Revenue (Easy Guide for Small Business)

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

Small businesses lose 2-4% on every card payment. That's thousands: sometimes tens of thousands: gone annually. Straight to payment processors and card networks.

There's a better way. And it doesn't require begging your bank for better rates.

The Interchange Fee Problem (And Why It's Getting Worse)

Here's the reality. Credit card companies charge interchange fees on every transaction. Visa. Mastercard. American Express. They all take their cut.

For small businesses, these fees typically break down like this:

• Credit cards: 1.5% - 3.5% per transaction

• Rewards cards: Even higher (someone's paying for those airline miles)

• Commercial/B2B cards: Can hit 3%+ easily

Process $50,000 monthly? You're bleeding $1,000-$1,750 in fees. Every single month.

Traditional payment processors add their markup on top. Flat-rate providers like Square charge 2.6% + $0.10 regardless of card type. That's convenient. But expensive.

Traditional Strategies to Cut Interchange Fees

Before we dive into the Web3 solution, let's cover what traditional advice tells you.

Switch to Interchange-Plus Pricing

Most impactful for high-volume merchants. You see the actual interchange rate plus your processor's markup. More transparent. Often cheaper once you exceed $10,000 monthly.

Encourage ACH Payments

Direct bank transfers eliminate interchange entirely. Costs a fraction of card fees. Great for B2B invoices and recurring payments.

Settle Transactions Within 24 Hours

Card networks reward fast batch processing with lower rates. Simple optimization most merchants miss.

Submit Level 2/Level 3 Data

B2B merchants can unlock lower rates by including tax amounts, invoice numbers, and customer codes. Requires extra work. Worth it for large transactions.

These strategies help. But they still leave you dependent on the traditional payment infrastructure. You're still playing by their rules.

The Web3 Alternative: Slash Fees by 50%+

Crypto payments change the game entirely.

No Visa. No Mastercard. No interchange fees.

When customers pay with cryptocurrency, the transaction happens peer-to-peer on the blockchain. No intermediary banks. No card network middlemen. Just direct value transfer.

Larecoin processes payments at a fraction of traditional costs. We're talking gas fees only: often pennies per transaction instead of percentage-based cuts.

The math is simple:

Traditional payment on $100 sale: You keep ~$97 Crypto payment on $100 sale: You keep ~$99.90

Scale that across your annual revenue. The savings compound fast.

Why Larecoin Beats NOWPayments and CoinPayments

Not all crypto payment processors deliver equal value. Let's break down why Larecoin stands apart.

NOWPayments charges 0.5% on transactions. Better than credit cards. But still a percentage-based fee that scales with your volume. High-revenue merchants still pay significant fees.

CoinPayments takes 0.5% as well, plus additional fees for certain features. Their interface feels dated. Support can be slow.

Larecoin operates differently.

• Gas-only transfers: Pay blockchain network fees only. No percentage cuts.

• LUSD stablecoin integration: Avoid volatility while keeping fee advantages.

• NFT receipts: Immutable proof of every transaction.

• Self-custody options: Your keys. Your crypto. Your business.

• Built on Solana: Fast finality. Low fees. High throughput.

The difference? Larecoin was built for merchants who want financial sovereignty. Not just another payment processor skimming off your revenue.

The LUSD Stablecoin Advantage

"But crypto is volatile!"

Valid concern. Solved problem.

LUSD is Larecoin's stablecoin solution. Pegged to the US dollar. Accepts payment in stable value. Settles in stable value.

Your $100 sale stays worth $100. No waking up to find Bitcoin dropped 15% overnight.

Here's why LUSD matters for merchants:

• Price stability: Quote prices confidently. No conversion anxiety.

• Instant settlement: Funds available immediately. No 3-day holds.

• Lower fees: Still just gas costs. No interchange.

• Easy accounting: Dollar-denominated records. Simplified bookkeeping.

Stablecoins give you the best of both worlds. Blockchain efficiency. Dollar stability.

NFT Receipts: More Than a Gimmick

Every Larecoin transaction can generate an NFT receipt. Why does this matter?

Immutable proof of purchase. Recorded permanently on-chain. Can't be altered. Can't be lost. Can't be disputed.

Chargeback protection. Traditional credit card chargebacks cost merchants $125+ per dispute on average. NFT receipts provide cryptographic proof the transaction occurred.

Customer loyalty integration. NFT receipts can unlock:

• Future discounts

• Loyalty rewards

• Exclusive access

• Proof of purchase for warranties

Simplified returns processing. Customer has the NFT? Transaction happened. No digging through email confirmations or paper receipts.

This isn't hype. It's practical utility for everyday commerce.

Self-Custody: Why It's Non-Negotiable

Traditional payment processors hold your money. Sometimes for days. Sometimes longer during "review periods."

PayPal freezes accounts. Stripe holds reserves. Banks close business accounts without warning.

Self-custody changes everything.

When you control your private keys, you control your funds. Period. No third party can:

• Freeze your account

• Hold your funds for "review"

• Shut down your payment processing

• Dictate which products you can sell

Larecoin supports full self-custody. Receive payments directly to your wallet. Move funds whenever you want. True financial sovereignty.

For small businesses, this isn't paranoia. It's prudent risk management.

Getting Started: A Simple Path Forward

Ready to cut interchange fees and keep more revenue? Here's your action plan.

Step 1: Set Up Your Larecoin Merchant Account

Visit larecoin.com and create your account. Connect your wallet. Configure your payment preferences.

Step 2: Integrate Payment Options

Add crypto payment options alongside existing methods. Start with LUSD for stability. Expand to other supported tokens as you get comfortable.

Step 3: Educate Your Customers

Display "Crypto Accepted Here" signage. Offer a small discount for crypto payments (you're saving on fees anyway). Include QR codes for easy mobile payments.

Step 4: Track Your Savings

Compare monthly processing costs before and after. Most merchants see 50%+ reduction within 90 days.

The Bottom Line

Interchange fees are a tax on your business. Every transaction. Every day. Every year.

Traditional optimization strategies help at the margins. Switching pricing models. Encouraging debit. Faster settlement.

But Web3 payments eliminate the problem entirely.

No interchange. No percentage cuts. No middlemen deciding if you can access your own money.

Larecoin makes this accessible for small businesses. LUSD provides stability. NFT receipts provide proof. Self-custody provides security.

The infrastructure exists. The tools are ready. The savings are real.

Your competitors are still paying 3% on every transaction. You don't have to.

Ready to keep more of what you earn?Explore Larecoin's merchant solutions and start cutting fees today.