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

Interchange fees are bleeding your business dry.

Every swipe. Every tap. Every transaction. Visa, Mastercard, and their network of intermediaries take their cut. We're talking 2-4% on every single sale.

Run $100,000 through your payment processor? That's $2,000-$4,000 gone. Just like that.

But here's the thing. There's a smarter way. A decentralized way. A way that puts you back in control.

Enter the receivables token.

What Are Interchange Fees (And Why They're Crushing Merchants)

Let's break it down.

Interchange fees are the charges merchants pay every time a customer uses a credit or debit card. These fees go to:

• Issuing banks

• Card networks

• Payment processors

• Gateway providers

That's a lot of hands in your pocket.

Traditional payment processors love this system. They've built empires on it. And merchants? They just accept it as "the cost of doing business."

Except it doesn't have to be.

Research shows blockchain-enabled payments can slash fees dramatically by eliminating intermediaries. A $10,000 international transaction that typically costs $330 in traditional fees? Drops to approximately $66 with blockchain rails.

That's an 80% reduction.

What Is a Receivables Token?

A receivables token is crypto's answer to merchant payments.

Think of it this way: instead of routing your money through five different intermediaries, a receivables token creates a direct line between you and your customer.

No middlemen. No excessive fees. No permission needed.

Here's how Larecoin's receivables token works:

1. Customer pays in crypto or stablecoin

2. Smart contract validates the transaction

3. Funds settle directly to your wallet

4. NFT receipt generated automatically

That's it. Four steps. Direct settlement. You keep more of what you earn.

The Larecoin ecosystem is built specifically for this. Gas-only transfers. LUSD stablecoin integration. Self-custody from day one.

How Receivables Tokens Cut Fees by 50% (Or More)

Let's get specific.

Traditional credit card processing:

• Interchange fee: 1.5-2.5%

• Assessment fee: 0.13-0.15%

• Processor markup: 0.2-0.5%

• Gateway fee: $0.10-0.30 per transaction

Total: 2-4% per transaction

Larecoin receivables token:

• Gas fee: Minimal (Solana-based)

• Network fee: Near zero

• Intermediary fee: Zero

Total: Under 1% per transaction

That's not marketing speak. That's math.

Some merchants using interchange optimization strategies report 30-50% fee reductions. With receivables tokens? You're looking at even more.

Larecoin vs. NOWPayments vs. CoinPayments: The Real Comparison

Not all crypto payment solutions are created equal.

Let's compare.

NOWPayments

• Supports 100+ cryptocurrencies

• 0.5% processing fee

• Custodial by default

• No native stablecoin

• No NFT receipt system

CoinPayments

• Supports 2,000+ coins

• 0.5% processing fee

• Custodial wallet required

• Multi-coin vault system

• No receivables token functionality

Larecoin

• Receivables token architecture

• LUSD stablecoin integration

• Self-custody from day one

• NFT receipts for every transaction

• Gas-only transfers

• Push-to-card functionality

• Full merchant freedom

See the difference?

NOWPayments and CoinPayments still operate on custodial models. Your money sits in their wallets until they decide to release it.

Larecoin? Your keys. Your crypto. Your business.

That's merchant independence.

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

Ready to slash those fees? Here's your playbook.

Step 1: Set Up Your Self-Custody Wallet

First things first. You need a Solana-compatible wallet.

Phantom, Solflare, or any SPL-compatible wallet works. This is where your receivables tokens settle. No third party. No waiting periods.

Download. Set up. Secure your seed phrase.

Step 2: Connect to the Larecoin Ecosystem

Head to larecoin.com/pay.

Connect your wallet. Configure your merchant settings. Set your preferred settlement currency (LUSD recommended for stability).

Takes about 5 minutes.

Step 3: Generate Your Payment Link or QR Code

Every merchant gets unique payment identifiers.

Embed these on your website. Print QR codes for in-store. Share links for invoicing.

Customers scan. Pay in crypto. Done.

Step 4: Receive Funds Instantly

No 2-3 business day settlements.

Transactions confirm in seconds on Solana. Funds hit your wallet immediately. Gas-only costs mean you keep the vast majority of every sale.

Step 5: Track Everything with NFT Receipts

Here's where it gets interesting.

Every transaction generates an NFT receipt. Immutable. Timestamped. Verifiable on-chain.

Tax season? Sorted. Dispute resolution? Bulletproof. Accounting? Automated.

Why LUSD Changes the Game for Merchants

Volatility scares merchants away from crypto.

Understandable. Nobody wants to accept $100 in Bitcoin and watch it become $80 overnight.

LUSD solves this.

Larecoin's stablecoin maintains dollar parity. Accept crypto from customers. Settle in stable value. Sleep easy.

Benefits of LUSD for merchants:

• Price stability (pegged to USD)

• Instant settlement

• No conversion fees

• Self-custody compatible

• Cross-chain bridging available

Your customers get the convenience of crypto. You get the stability of dollars. Everyone wins.

Self-Custody: The Merchant Freedom You Deserve

Let's talk about something most payment processors won't.

Control.

When you use traditional processors: or even custodial crypto solutions like NOWPayments: they hold your money. They set the rules. They can freeze accounts. Delay withdrawals. Change terms overnight.

Self-custody flips that script.

With Larecoin's receivables token system:

• No account freezes. Your wallet, your rules.

• No withdrawal limits. Move funds whenever you want.

• No permission required. You're the bank.

• No deplatforming risk. Decentralized means unstoppable.

This is what merchant independence actually looks like.

Not dependency on payment processors who treat you like a liability. Real ownership of your revenue stream.

Real Numbers: What 50% Fee Reduction Means for Your Bottom Line

Let's run the numbers on a typical small business.

Monthly revenue: $50,000

Traditional processing (3% average):

• Monthly fees: $1,500

• Annual fees: $18,000

Larecoin receivables token (under 1%):

• Monthly fees: Under $500

• Annual fees: Under $6,000

Annual savings: $12,000+

That's not a marketing number. That's money back in your pocket.

Money for inventory. Marketing. Staff. Growth.

Or just profit. Remember profit?

Getting Started Today

Enough reading. Time for action.

Here's your next move:

1. Check out the whitepaper at larecoin.com/lareblockswhitepaper

2. Set up your payment integration at larecoin.com/payment

3. Join the community and connect with other merchants at larecoin.com/groups

Interchange fees have dominated merchant payments for decades. Card networks built monopolies on taking their cut from every transaction.

Receivables tokens break that model.

Direct settlement. Self-custody. NFT receipts. LUSD stability. Gas-only costs.

This is what decentralized payments were always meant to be.

Your business. Your revenue. Your freedom.

Welcome to the future of merchant payments.