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

Interchange fees are eating your profits alive.

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

For a shop doing $500K annually? That's $10,000-$20,000 gone. Every single year.

There's a better way. Receivables tokens on Web3 payment rails can slash those fees by 50% or more.

Here's exactly how it works: and how you can set it up for your business today.

The Interchange Fee Problem Nobody Talks About

Credit card payments feel convenient. But that convenience comes at a steep price.

Here's the breakdown:

• Visa/Mastercard interchange: 1.5-2.5%

• Processor markup: 0.3-0.5%

• Assessment fees: 0.13-0.15%

• Monthly fees, PCI compliance, chargebacks...

It adds up fast.

Traditional processors like Square and Stripe make it easy. But "easy" doesn't mean "cheap."

The worst part? You have zero control. Rates change. Hidden fees appear. Your money sits in their accounts for days before you see it.

Merchants deserve better.

What Is a Receivables Token?

A receivables token represents your incoming payment as a digital asset on the blockchain.

Think of it like this:

Traditional payment: Customer pays → Processor holds funds → Bank processes → You get paid (minus fees, minus delays).

Receivables token: Customer pays in crypto/stablecoin → Token confirms the receivable instantly → Funds hit your wallet → You control everything.

Key benefits:

• Instant settlement (no 2-3 day holds)

• Minimal blockchain gas fees only (typically 0.5-1%)

• Self-custody of your funds

• Transparent, immutable transaction records

• No chargebacks

The receivables token essentially unlocks trapped capital. Your money is YOUR money: immediately.

How Larecoin's Receivables Token Cuts Fees by 50%

Larecoin built its entire ecosystem around merchant freedom.

Here's the math:

Payment Method	Typical Fee	Settlement Time
Credit Card	2.5-4%	2-3 days
NOWPayments	0.5-1% + conversion	Same day
CoinPayments	0.5% + withdrawal fees	Varies
Larecoin Receivables Token	Gas only (~0.5%)	Instant

With Larecoin, you're not paying percentage-based processing fees. You're paying minimal Solana gas fees to move funds.

On $500K in annual sales:

• Credit cards cost: ~$15,000

• Larecoin cost: ~$2,500

That's $12,500 back in your pocket. Every year.

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

Ready to make the switch? Here's how.

Step 1: Set Up a Self-Custody Wallet

You need a Solana-compatible wallet. Phantom and Solflare are popular choices.

Why self-custody matters: Your keys, your coins. No processor can freeze your funds, delay withdrawals, or surprise you with account holds.

Download. Back up your seed phrase. Done.

Step 2: Get Your LUSD Stablecoin Ready

LUSD is a decentralized stablecoin pegged to the US dollar.

Why LUSD over other stablecoins?

• No centralized issuer that can freeze your funds

• Fully collateralized and transparent

• Perfect for merchant settlement: stable value, no volatility

Accept payments in LUSD. Settle in LUSD. Avoid conversion fees entirely.

Step 3: Integrate Larecoin Payment Gateway

Visit Larecoin's crypto payment solutions to explore integration options.

Integration methods:

• Direct wallet-to-wallet for in-person sales

• QR code generation for checkout

• API integration for ecommerce platforms

No complex coding required. Most merchants are up and running within a day.

Step 4: Generate NFT Receipts for Every Transaction

This is where Larecoin gets innovative.

Every transaction creates an NFT receipt. Immutable. Timestamped. Stored on-chain forever.

Benefits for accounting:

• Automatic, tamper-proof records

• Easy tax documentation

• No lost receipts or manual entry errors

• Auditable transaction history

Your accountant will thank you.

Step 5: Use Push-to-Card for Instant Fiat Conversion

Need USD in your bank account fast?

Larecoin's push-to-card feature lets you convert stablecoin earnings directly to your debit card. Instant liquidity when you need it.

The best of both worlds: Accept crypto. Access fiat. Your choice, your timeline.

Larecoin vs. NOWPayments vs. CoinPayments: Which Is Right for You?

Let's compare the top crypto payment options for merchants.

NOWPayments

Pros:

• Supports 150+ cryptocurrencies

• Auto-conversion to stablecoins

• Plugins for Shopify, WooCommerce, etc.

Cons:

• Custodial: they hold your funds

• 0.5-1% fees plus conversion spreads

• Limited self-custody options

Best for: Merchants who want simplicity and don't mind custodial risk.

CoinPayments

Pros:

• Multi-coin vault system

• Lower fees (0.5%)

• Long track record

Cons:

• Custodial wallet system

• Withdrawal fees add up

• Less focus on merchant tools

Best for: Crypto-native users comfortable managing multiple coins.

Larecoin Receivables Token

Pros:

• Gas-only fees (lowest cost)

• True self-custody

• NFT receipts built-in

• LUSD stablecoin settlement

• Push-to-card fiat conversion

• Instant settlement

Cons:

• Requires basic crypto knowledge

• Primarily Solana-based

Best for: Merchants who want maximum savings, full control, and innovative accounting tools.

Why Self-Custody Matters for Merchant Freedom

Here's the uncomfortable truth about custodial payment processors:

They can freeze your account. They can delay your funds. They can change their terms overnight.

PayPal does it. Stripe does it. Square does it.

Self-custody eliminates this risk entirely.

With Larecoin, your receivables token settles directly to YOUR wallet. No intermediary. No permission needed to access your own money.

This is what merchant independence looks like.

LUSD: The Stablecoin Built for Decentralized Commerce

Not all stablecoins are created equal.

USDC and USDT are centralized. Circle and Tether can blacklist wallets, freeze funds, and comply with demands to lock your money.

LUSD is different:

• Overcollateralized by ETH

• No central authority

• Censorship-resistant

• Fully redeemable

For merchants building a decentralized payment stack, LUSD is the logical choice. Stable value. True ownership.

NFT Receipts: The Future of Merchant Accounting

Paper receipts get lost. Digital receipts get deleted. Spreadsheets have errors.

NFT receipts solve all of this.

Every Larecoin transaction generates:

• Immutable timestamp

• Transaction amount and parties

• Unique on-chain identifier

• Permanent storage

Come tax season? Export your NFT receipt history. Done.

Audit request? Point to the blockchain. Verified.

This isn't just innovation for innovation's sake. It's practical, time-saving infrastructure for modern merchants.

Getting Started Today

Interchange fees shouldn't crush your margins.

Receivables tokens offer a real alternative. Lower fees. Faster settlement. True ownership.

Your next steps:

1. Set up a self-custody Solana wallet

2. Explore Larecoin's ecosystem

3. Join the Larecoin Community for merchant tips

4. Start accepting payments with gas-only fees

The merchants winning in 2026 aren't waiting for traditional finance to change.

They're building independence now.

50% fee savings. Instant settlement. Full control.

That's the Larecoin difference.