How to Reduce Merchant Interchange Fees by 50% Using a Receivables Token (Easy Guide)

Interchange fees are eating your profits. Every swipe. Every tap. Every online checkout.

Credit card networks charge merchants between 1.5% and 3.5% on every transaction. That's thousands: sometimes tens of thousands: draining from your business annually.

But here's the thing. You don't have to accept it.

Receivables tokens are changing the game. Specifically, the way Larecoin has built its ecosystem around merchant freedom and fee elimination.

Let's break down exactly how you can slash those interchange costs by 50% or more.

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What Are Interchange Fees Costing You?

Quick math.

$100,000 in monthly card sales. Average 2.5% interchange rate.

That's $2,500 per month. Gone.

$30,000 per year. Just for the privilege of accepting payments.

Traditional processors like CoinPayments charge around 1% on crypto transactions. NOWPayments sits at 0.5% to 1%. Better than Visa and Mastercard? Sure.

Still not free.

And those fees compound. Fast.

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What Is a Receivables Token?

A receivables token represents actual payment value. Not speculation. Not volatility.

Think of it like this:

• Customer pays you

• Payment converts to a digital token

• Token holds stable value (like LUSD)

• You control when and how you cash out

No middlemen skimming percentages. No waiting days for settlement. No chargebacks eating into your margins.

Larecoin's receivables token operates on this exact principle. Gas-only transfers mean the only cost is minimal network fees: not percentage-based cuts from payment processors.

That's the 50% savings right there.

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How Larecoin's Receivables Token Cuts Fees

Here's the breakdown.

Traditional Payment Flow

1. Customer pays with card

2. Payment processor takes 2-3%

3. Card network takes their cut

4. Your bank takes their cut

5. You receive funds in 2-5 days

Larecoin Payment Flow

1. Customer pays with crypto or LUSD

2. Transaction settles on-chain

3. Gas fee only (fractions of a cent)

4. Funds arrive in your self-custody wallet

5. Done

No interchange. No processor fees. No waiting.

The receivables token structure means your payment is tokenized and secured on-chain. You maintain full custody. Always.

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Step-by-Step: Setting Up Receivables Tokens for Your Business

Ready to cut those fees? Here's your roadmap.

Step 1: Create Your Larecoin Merchant Wallet

Head to larecoin.com. Set up your self-custody wallet.

Self-custody is non-negotiable here. Your keys. Your coins. Your business revenue: under your control.

Step 2: Integrate the Payment Gateway

Larecoin's Web3 payment solution plugs into existing e-commerce platforms. Online stores. Point-of-sale systems. Even metaverse storefronts.

Integration takes minutes. Not days.

Step 3: Enable LUSD Stablecoin Acceptance

Volatility concerns? LUSD solves that.

Accept payments in a stable, dollar-pegged token. No price swings between checkout and settlement.

Your $100 sale stays $100.

Step 4: Receive Payments as Receivables Tokens

Each transaction generates a receivables token. Verifiable. Immutable. Yours.

Gas-only transfer costs mean you're paying pennies instead of percentages.

Step 5: Cash Out on Your Terms

Convert to fiat when you want. Push to card functionality lets you access funds instantly.

Or hold in crypto. Your call.

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Larecoin vs. NOWPayments vs. CoinPayments

Let's get specific.

Feature	Larecoin	NOWPayments	CoinPayments
Transaction Fee	Gas only	0.5% - 1%	~1%
Self-Custody	✅ Yes	❌ No	❌ No
Stablecoin Option	LUSD	Limited	Limited
NFT Receipts	✅ Yes	❌ No	❌ No
Settlement Time	Instant	Minutes-Hours	Minutes-Hours
Chargebacks	None	None	None

NOWPayments and CoinPayments are decent alternatives to traditional processors. They reduce fees compared to credit cards.

But they're still taking a cut. Still holding your funds. Still operating as intermediaries.

Larecoin eliminates the middleman entirely.

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Bonus: NFT Receipts for Every Transaction

Here's where it gets interesting.

Every Larecoin transaction can generate an NFT receipt. Permanent. Verifiable. On-chain proof of purchase.

Why does this matter for merchants?

• Dispute resolution: Immutable record of transaction

• Customer loyalty: Collectible receipts build engagement

• Accounting: Automated, blockchain-verified bookkeeping

• Tax compliance: Timestamped, permanent documentation

Traditional payment processors give you paper receipts. Maybe a PDF.

Larecoin gives you cryptographic proof that exists forever.

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The Self-Custody Advantage

Let's talk control.

When you use CoinPayments or NOWPayments, funds flow through their systems. They hold your money: even briefly.

That's counterparty risk. Their platform goes down? Your funds are stuck. They get hacked? Your funds are at risk.

Self-custody changes everything.

With Larecoin:

• Payments go directly to your wallet

• No third party touches your revenue

• No withdrawal requests or approval processes

• Instant access to your funds

Merchant freedom means merchant independence. Full stop.

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Real Savings: Running the Numbers

Let's revisit that $100,000 monthly revenue scenario.

Traditional Credit Card Processing:

• 2.5% average fee

• Monthly cost: $2,500

• Annual cost: $30,000

NOWPayments/CoinPayments:

• 0.75% average fee

• Monthly cost: $750

• Annual cost: $9,000

• Savings vs. cards: $21,000

Larecoin Receivables Token:

• Gas fees only (~$0.01-0.10 per transaction)

• Assume 1,000 transactions/month: ~$50-100

• Annual cost: ~$600-1,200

• Savings vs. cards: $28,800+

• Savings vs. other crypto processors: $7,800+

That's real money. Back in your pocket.

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Getting Started Today

No complicated setup. No lengthy approval processes.

1. Visit larecoin.com

2. Set up your merchant wallet

3. Integrate the payment gateway

4. Start accepting LUSD and crypto payments

5. Watch interchange fees disappear

The Larecoin ecosystem supports Solana and Binance chain integrations. Cross-chain compatibility. Low-fee transactions across networks.

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Why Merchants Are Making the Switch

The numbers speak for themselves.

• 50%+ savings on payment processing

• Instant settlement

• Zero chargebacks

• Full custody of funds

• NFT receipt documentation

• LUSD stability

Traditional processors built their models on taking cuts. Crypto processors reduced those cuts. Larecoin's receivables token model eliminates them.

Merchant freedom isn't just a slogan. It's the architecture.

Your business deserves better than watching profits drain to payment intermediaries. Every percentage point matters. Every day of float costs you.

Ready to stop paying interchange fees?

The receivables token revolution is here. Join the Larecoin community and take control of your payment processing.

Your margins will thank you.