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

Interchange fees are killing your margins.

Every swipe. Every tap. Every online checkout. You're losing 2-4% to card networks, processors, and middlemen.

For most merchants, that adds up to tens of thousands annually. Some businesses? Hundreds of thousands.

There's a smarter way. Receivables tokens eliminate the traditional payment rails entirely. Cut those fees by 50% or more. Keep more of what you earn.

Let's break it down.

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

Traditional payment processing is a tax on doing business.

Here's what you're actually paying every transaction:

• Interchange fees: 1.5% - 3.5% (goes to issuing banks)

• Assessment fees: 0.13% - 0.15% (goes to card networks)

• Processor markup: 0.2% - 0.5%+ (goes to your payment processor)

Add it all up. You're bleeding 2-4% on every sale.

For B2B transactions? Even worse. Downgrades can push costs above 3.5% if you're not optimizing Level 2/3 data correctly.

The legacy system wasn't built for merchants. It was built for banks.

Web3 changes everything.

What Is a Receivables Token?

A receivables token represents a digital claim on funds owed.

Simple concept. Revolutionary execution.

Instead of routing payments through Visa, Mastercard, and a dozen intermediaries, receivables tokens enable direct merchant-to-customer settlement on the blockchain.

No card networks. No processors. No middlemen taking their cut.

Larecoin's receivables token infrastructure lets merchants accept crypto payments with:

• Near-zero transaction fees

• Instant settlement

• Complete transaction transparency

• Full self-custody of funds

The result? You keep more revenue. Period.

How Larecoin Slashes Your Payment Costs

Larecoin isn't just another crypto payment gateway.

It's a complete Web3 payments ecosystem built specifically for merchant profitability.

Direct Settlement

Payments flow directly from customer wallet to merchant wallet. No intermediaries holding your funds. No 2-3 day settlement windows. No percentage-based fees eating into every transaction.

Gas-Only Transfers

Pay only the minimal blockchain network fee. On Solana, that's fractions of a penny per transaction.

Compare that to 2-4% interchange. The math speaks for itself.

Push-to-Card Functionality

Need fiat liquidity? Push settled crypto directly to your bank card. Maintain flexibility without sacrificing the fee savings.

NFT Receipts: More Than Just a Transaction Record

Here's where it gets interesting.

Every Larecoin transaction generates an NFT receipt. Not a gimmick. A utility.

Why NFT receipts matter for merchants:

• Immutable proof of purchase: Eliminates chargeback disputes

• Automated warranty tracking: Smart contracts manage post-sale obligations

• Customer loyalty integration: Receipt NFTs unlock future discounts and perks

• Tax-ready documentation: On-chain records simplify accounting

Traditional receipts are paper. Or emails you'll never find.

NFT receipts are permanent, verifiable, programmable.

For customers, it's a better experience. For merchants, it's fraud protection and operational efficiency rolled into one.

LUSD Stablecoin: Volatility-Proof Payments

Crypto volatility concerns? Solved.

Larecoin's LUSD stablecoin maintains a 1:1 USD peg. Accept payments in LUSD. Hold value in LUSD. Zero exposure to market swings.

LUSD advantages over traditional stablecoins:

• Native ecosystem integration: Seamless with all Larecoin merchant tools

• Optimized for payments: Built for transaction speed, not speculation

• Lower fees: No USDT or USDC third-party overhead

Your customers pay. You receive dollar-equivalent value. No conversion anxiety.

Self-Custody: Your Money, Your Control

This is non-negotiable in Web3.

With traditional processors, your revenue sits in their accounts. They control access. They set the rules. They can freeze funds.

Self-custody means:

• Instant access to your earnings

• No arbitrary holds or reserves

• No third-party seizure risk

• Complete financial sovereignty

NOWPayments? CoinPayments? They offer crypto acceptance, sure. But your funds route through their infrastructure. Their wallets. Their terms.

Larecoin's architecture prioritizes merchant self-custody from the first transaction. You hold your keys. You own your revenue.

That's not just a feature. That's financial independence.

Larecoin vs. The Competition

Let's be direct.

Feature	Larecoin	NOWPayments	CoinPayments
Self-custody	✅ Yes	❌ Custodial	❌ Custodial
NFT receipts	✅ Yes	❌ No	❌ No
Native stablecoin	✅ LUSD	❌ No	❌ No
Gas-only fees	✅ Yes	❌ 0.5%+	❌ 0.5%+
Push-to-card	✅ Yes	❌ Limited	❌ No
Receivables tokens	✅ Yes	❌ No	❌ No

NOWPayments charges 0.5% minimum on transactions. CoinPayments takes similar cuts.

Those percentages add up fast.

Larecoin's model eliminates percentage-based fees entirely. Pay blockchain gas costs only. On Solana, that's negligible.

50%+ savings isn't marketing hype. It's math.

Getting Started: Your 5-Minute Setup

Ready to stop overpaying?

Step 1: Create Your Larecoin Merchant Account

Head to larecoin.com/pay. Click through the setup wizard. Takes under 5 minutes.

Step 2: Connect Your Self-Custody Wallet

Link your Solana wallet. Your funds go directly to you. Not a third-party vault.

Step 3: Configure Payment Options

Choose which cryptocurrencies to accept. Enable LUSD for stablecoin payments. Set your preferences.

Step 4: Integrate with Your Store

API documentation available for custom integrations. Plugin support for major e-commerce platforms coming soon.

Step 5: Start Accepting Payments

That's it. You're live. Every transaction now settles directly to your wallet at gas-only costs.

The Bigger Picture: Financial Sovereignty for Merchants

Interchange fees aren't just expensive. They're a symptom of a broken system.

Banks and card networks built rails that prioritize their revenue over your profitability. For decades, merchants had no alternative.

Web3 payments change the power dynamic.

With Larecoin, you get:

• Direct settlement without intermediaries

• Immutable transaction records via NFT receipts

• Stable value preservation through LUSD

• Complete control via self-custody

This isn't about chasing crypto trends. It's about building sustainable, profitable payment infrastructure for your business.

The merchants who adopt now gain competitive advantage. Lower costs. Better margins. Happier customers.

Next Steps

Stop letting interchange fees drain your revenue.

Explore the Larecoin whitepaper for technical deep-dives.

Join the Larecoin Community to connect with other forward-thinking merchants.

Or just get started at larecoin.com.

Your margins will thank you.

---

Part of the Larecoin 10-year blog marathon. Helping merchants build financial sovereignty, one transaction at a time.