How to Reduce Merchant Interchange Fees by 50% with a QR-Generated Crypto POS (Easy Guide)

Interchange fees are eating your profits.

Every swipe. Every tap. Every online checkout. You're losing 1.5% to 3.5% on every single transaction.

For high-volume merchants? That's tens of thousands: sometimes hundreds of thousands: annually. Gone.

Here's the fix: QR-generated crypto POS systems. Specifically, one built for real merchants with real compliance needs.

Let's break down how Larecoin helps you slash those fees by 50% or more.

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

Traditional card processors charge between 1% and 3% per transaction. Credit cards hit the highest. Rewards cards? Even worse.

Quick math:

• $500,000 annual revenue

• 2.5% average interchange fee

• $12,500 lost to fees every year

Scale that up. A $5 million business? You're looking at $125,000 disappearing into Visa and Mastercard's pockets.

Crypto changes the equation.

Blockchain transaction fees? Often less than 0.1% in network costs. That's a 90%+ reduction in some cases.

What Is a QR-Generated Crypto POS?

Simple concept. Powerful execution.

Instead of card terminals and NFC readers, your customer scans a QR code. Payment happens directly on the blockchain. Funds land in your wallet.

No card networks. No intermediary processors. No bloated fee structures.

Larecoin's QR-generated POS takes this further:

• Dynamic QR codes for each transaction

• Instant settlement in LUSD stablecoin or crypto

• NFT receipts for immutable transaction records

• Self-custody so you control your funds

Traditional POS systems route your money through 4-6 intermediaries. Each one takes a cut.

Larecoin? Peer-to-peer. Merchant to customer. Done.

How Larecoin Achieves 50%+ Fee Savings

The magic happens through gas-only transfers.

Here's how it works:

Traditional crypto payment processors (NOWPayments, CoinPayments, Triple-A) charge 0.5% to 1% per transaction. Better than cards. Still not optimal.

Larecoin operates differently.

Gas-Only Transfer Model:

• You pay only the blockchain network fee

• No percentage-based processing fees

• No monthly subscription costs eating your margins

On Solana, gas fees average $0.00025 per transaction. Not 0.00025%. That's $0.00025 total.

Process $10,000 in daily transactions? Your fees might total a few cents.

Compare that to:

• CoinPayments: 0.5% fee = $50/day

• NOWPayments: 0.5% fee = $50/day

• Triple-A: Custom pricing, typically 0.5-1%

• Larecoin: Gas only = ~$0.10/day

The savings compound fast.

Technical Advantages That Matter

NFT Receipts

Every transaction generates an NFT receipt. Stored permanently on-chain.

Why this matters:

• Immutable proof of every sale

• Automatic bookkeeping for tax compliance

• Dispute resolution with verifiable records

• Customer loyalty tracking built into the receipt

No more lost receipts. No more he-said-she-said chargebacks. The blockchain doesn't lie.

LUSD Stablecoin

Volatility kills crypto adoption for merchants. Nobody wants to accept $100 and have it worth $85 tomorrow.

LUSD solves this.

Pegged to USD. Stable value. Instant settlement.

Accept payment → Receive LUSD → Value stays locked.

No conversion fees. No waiting for bank transfers. Just stable, spendable funds in your self-custody wallet.

Self-Custody Architecture

Your money. Your wallet. Your keys.

Most payment processors hold your funds. They batch settlements. They impose withdrawal limits. They can freeze accounts.

Larecoin's self-custody model:

• Funds go directly to your wallet

• No holding periods

• No third-party access

• No permission needed to access your revenue

You maintain complete control. Always.

Master/Sub-Wallet System for Multi-Location Merchants

Running multiple stores? Franchises? Pop-up locations?

The master/sub-wallet architecture handles it.

Master Wallet:

• Central oversight of all transactions

• Consolidated reporting dashboard

• Set permissions and limits per location

Sub-Wallets:

• Individual wallets per store/register

• Local management with central visibility

• Automatic fund routing to master wallet

Deploy a new location in minutes. Generate QR codes. Start accepting payments.

No hardware procurement. No terminal installation. No lengthy onboarding processes.

How Larecoin Stacks Up Against Competitors

Feature	Larecoin	NOWPayments	CoinPayments	Triple-A
Transaction Fees	Gas only	0.5%	0.5%	0.5-1%
NFT Receipts	✓	✗	✗	✗
Self-Custody	✓	Partial	✗	✗
LUSD Stablecoin	✓	✗	✗	✗
Master/Sub-Wallets	✓	Limited	✗	✓
QR-Generated POS	✓	✓	✓	✓
Metaverse Integration	✓	✗	✗	✗

NOWPayments and CoinPayments work. They've been around.

But they're built on percentage-based fee models. They don't offer NFT receipts. Self-custody is limited or nonexistent.

Triple-A targets enterprise. Solid solution. Still takes a cut of every transaction.

Larecoin built for the future. Gas-only. Self-custody. Full-stack Web3 infrastructure.

Compliance & Trust: MSB and MTL Coverage

Crypto payment solutions without compliance? Red flag.

Larecoin maintains:

Federal Registration:

• Registered Money Services Business (MSB)

• FinCEN compliant

• AML/KYC protocols implemented

State-Level Coverage:

• Money Transmitter Licenses (MTL) across U.S. states

• Expanding coverage as regulations evolve

• Full transparency with regulators

This matters for merchants.

Accept crypto payments knowing your processor operates within legal frameworks. No surprise shutdowns. No regulatory ambiguity.

Your accountant will thank you.

The Future: Metaverse Shopping Integration

QR-generated POS is today's solution.

Tomorrow? Social shopping in the Larecoin B2B2C metaverse.

Imagine:

• VR storefronts where customers browse your products

• AR overlays for in-home product visualization

• Social shopping experiences with friends across the globe

• Instant checkout via wallet connection

Same infrastructure. Same fee savings. New dimension of commerce.

Early adopters of Larecoin's POS system get first-mover advantage. The wallet, the merchant relationships, the transaction history: it all translates to metaverse commerce.

Build your crypto payment infrastructure now. Scale into virtual retail seamlessly.

Getting Started: Your 5-Step Setup

Ready to cut interchange fees by 50%+?

Step 1: Visit Larecoin and create your merchant account

Step 2: Set up your self-custody wallet (master wallet first)

Step 3: Configure sub-wallets for each location/register

Step 4: Generate your QR codes for POS deployment

Step 5: Start accepting payments with gas-only fees

No hardware required. No lengthy approval processes. No percentage-based fees eating your margins.

Deploy in a day. Save from day one.

The Bottom Line

Interchange fees drain merchant profits. Every percentage point matters.

Traditional card processing: 1.5-3.5% per transaction.

Larecoin's QR-generated crypto POS: Gas only (~0.01% or less).

That's not 50% savings. That's closer to 95% on transaction costs.

Add NFT receipts for bulletproof record-keeping. LUSD for volatility protection. Self-custody for complete fund control. Master/sub-wallets for scalable operations.

All backed by federal MSB registration and state MTL compliance.

The infrastructure exists. The savings are real. The future is being built.

Your move.

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Questions about deploying Larecoin's crypto POS for your business? Check out our official announcements or dive into Larecoin economics for deeper technical details.