How to Reduce Merchant Interchange Fees by 50%+ Using a Receivables Token

Interchange fees. The silent killer of merchant margins.

Every swipe. Every tap. Every online checkout. You're bleeding 2-3% to card networks and issuers.

For most businesses, that's thousands: sometimes hundreds of thousands: gone. Every single year.

There's a better way. A Web3 way.

Enter the receivables token.

The Interchange Fee Problem Nobody Talks About

Let's get real for a second.

Traditional payment processors love complexity. They thrive on it. Tiered pricing. Interchange-plus. Flat rates that aren't actually flat.

The result? Merchants pay an average of 2.5% per transaction. On a $100 sale, you're handing over $2.50 before you've even paid your suppliers.

Scale that up. $1 million in annual sales? That's $25,000 in interchange fees alone.

And here's the kicker: most merchants have zero visibility into what they're actually paying for.

What Is a Receivables Token?

A receivables token is a blockchain-based representation of incoming payments.

Think of it like this: instead of waiting for card networks to process, settle, and take their cut: your payment becomes a tokenized asset the moment a customer pays.

Key characteristics:

• Instant settlement (no 2-3 day waiting periods)

• Transparent, on-chain transaction records

• Dramatically lower processing costs

• Self-custody options (your money, your control)

This isn't theoretical. This is happening now.

Receivables tokens bypass the traditional card network infrastructure entirely. No Visa. No Mastercard. No middlemen extracting fees at every step.

How Receivables Tokens Slash Fees by 50%+

Here's the math that matters.

Traditional card processing:

• Interchange fee: 1.5-2.0%

• Assessment fee: 0.13-0.15%

• Processor markup: 0.2-0.5%

• Total: 2-3% per transaction

Receivables token processing:

• Network gas fee: 0.1-0.5%

• Platform fee: 0.5-1.0%

• Total: 0.6-1.5% per transaction

That's a 50-70% reduction in payment processing costs.

For a business doing $500K annually, that's $5,000-$10,000 back in your pocket. Every year.

The savings compound. The more volume you process, the more you keep.

Larecoin's Receivables Token: Built for Merchants

Larecoin isn't just another crypto payment processor.

It's a complete Web3 payments ecosystem designed from the ground up for merchants who want:

• Lower fees (obviously)

• Faster settlement (we're talking minutes, not days)

• Financial sovereignty (no bank holds, no frozen accounts)

• Global reach (accept payments from anywhere, instantly)

The LUSD Stablecoin Advantage

Volatility concerns? Handled.

Larecoin's ecosystem includes LUSD: a stablecoin pegged to the US dollar. Accept crypto, settle in stability.

LUSD stablecoin benefits:

• Price stability for accounting and reconciliation

• No exposure to BTC or ETH price swings

• Seamless conversion to fiat when needed

• Perfect for recurring revenue businesses

Your customers pay in their preferred crypto. You receive stable value. Everyone wins.

Self-Custody Merchant Accounts

Here's something NOWPayments and CoinPayments won't give you: true self-custody.

With Larecoin, your receivables token funds sit in wallets you control. Not in some third-party custodial account that can be frozen, seized, or hacked.

Your keys. Your crypto. Your business.

This is financial sovereignty for merchants. No more begging banks to release your funds. No more arbitrary account freezes because an algorithm flagged your account.

NFT Receipts: The Future of Business Accounting

This is where it gets interesting.

Every transaction processed through Larecoin generates an NFT receipt: a permanent, immutable record on the blockchain.

NFT receipts for accounting deliver:

• Tamper-proof transaction records

• Automatic audit trails

• Simplified tax reporting

• Real-time revenue tracking

• Integration-ready data for accounting software

No more digging through CSV exports. No more reconciliation headaches. Every transaction is permanently recorded, timestamped, and verifiable.

Your accountant will thank you. Your auditor will thank you. Your future self will definitely thank you.

Larecoin vs. The Competition

Let's compare. Because you should know your options.

NOWPayments Alternative

NOWPayments is solid for basic crypto acceptance. But here's what's missing:

• No receivables tokenization

• Limited self-custody options

• No NFT receipt generation

• Higher fees on low-volume accounts

Larecoin delivers the full Web3 stack. Not just payment acceptance: complete financial infrastructure.

CoinPayments Alternative

CoinPayments has been around forever. That's both good and bad.

The good: They support tons of coins.

The bad: Legacy infrastructure. Custodial-first approach. Complex fee structures that eat into your margins.

Larecoin is built on modern blockchain rails. Faster. Cheaper. More transparent.

Triple-A Comparison

Triple-A focuses on enterprise. If you're processing millions monthly, they're worth a look.

But for small-to-medium merchants? Overkill. And the fees reflect that.

Larecoin scales with you. Start small. Grow big. Same low fees throughout.

Getting Started: Your Roadmap to 50% Fee Reduction

Ready to stop overpaying?

Step 1: Set up your Larecoin merchant account Visit larecoin.com and create your account. Five minutes, max.

Step 2: Configure your crypto POS system Larecoin integrates with existing point-of-sale systems or provides a standalone contactless POS solution. Your choice.

Step 3: Choose your settlement preferences Receive payments in LUSD stablecoin, native LARE tokens, or a mix. Configure automatic conversions if you prefer fiat settlement.

Step 4: Start accepting payments That's it. You're live. Start saving immediately.

The Bank-Free Business Model

Here's the bigger picture.

Receivables tokens aren't just about fee reduction. They're about financial independence.

Traditional payment processing ties you to banks. Banks that can:

• Freeze your account without warning

• Hold reserves for 6+ months

• Reject your application based on "risk"

• Change terms whenever they feel like it

Web3 payments through Larecoin eliminate that dependency.

Process payments. Receive funds. Manage your treasury. All without a single bank approval.

This is what financial sovereignty looks like for modern merchants.

Real Numbers, Real Savings

Let's make this concrete.

Scenario: E-commerce business, $250K annual revenue

Cost Category	Traditional Processing	Larecoin
Processing fees	$6,250 (2.5%)	$2,500 (1.0%)
Chargeback fees	$500	$0*
Monthly fees	$300	$0
Annual total	$7,050	$2,500
Savings	:	$4,550 (65%)

*Crypto transactions are push-based. No chargebacks.

That's $4,550 back in your business. Every year. Without changing anything about how you sell.

The Bottom Line

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

Receivables tokens offer a legitimate, proven path to slashing those costs by 50% or more.

Larecoin makes it accessible. Self-custody options. LUSD stablecoin stability. NFT receipts for bulletproof accounting. Global reach without global fees.

The future of merchant payments is tokenized. The question is: are you ready to claim your share of the savings?

Explore Larecoin's crypto payments ecosystem and start reducing your interchange fees today.