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

Interchange fees are killing your margins.

Every swipe. Every tap. Every transaction. You're bleeding 2-3% to card networks and processors.

For small businesses running on tight margins, that's the difference between growth and stagnation.

But here's the thing: there's a smarter way. A Web3 way. And it doesn't involve surcharging your customers or begging processors for better rates.

Enter the receivables token.

What's Actually Eating Your Profits?

Let's break it down.

Traditional card payments hit merchants with:

• Interchange fees (1.5-3.5%)

• Assessment fees (0.13-0.15%)

• Processor markups (0.5-1%)

• Gateway fees

• Chargeback fees

• PCI compliance costs

Add it up. You're looking at 3-4% per transaction: sometimes more.

On $100K in monthly sales? That's $3,000-$4,000 gone. Every single month.

Card networks love this system. Processors love it. Banks love it.

You? Not so much.

The Receivables Token Solution

Here's where it gets interesting.

A receivables token fundamentally changes how payments work. Instead of routing through legacy rails with multiple middlemen, transactions happen on-chain.

Direct. Transparent. Cheap.

With Larecoin's receivables token system, payments settle in LUSD: our stablecoin pegged 1:1 to USD. No volatility headaches. No conversion fees. No surprise charges.

The fee structure? Dramatically lower.

We're talking 50%+ reductions compared to traditional interchange. Some merchants see even higher savings depending on their volume and transaction patterns.

Why? Because blockchain doesn't need:

• Card network fees

• Issuing bank cuts

• Acquiring bank cuts

• Multiple intermediary processors

One network. One fee. Done.

Why Self-Custody Matters (A Lot)

Here's where Larecoin separates from pretenders like NOWPayments and CoinPayments.

Those platforms? They hold your funds. They control your crypto. They decide when and how you access your money.

That's not financial freedom. That's just a different kind of bank.

Larecoin is different.

Self-custody means YOU control your private keys. YOU own your receivables tokens. Nobody can freeze your account, delay withdrawals, or make decisions about YOUR money without your permission.

This is non-negotiable for serious merchants. Learn more about merchant freedom with receivables tokens.

How NFT Receipts Change Everything

Traditional receipts? Paper or PDF. Forgettable. Easy to lose. Zero utility.

NFT receipts? Game-changer.

Every transaction on Larecoin generates an NFT receipt that:

• Lives on-chain : permanent, tamper-proof record

• Proves ownership : undeniable transaction verification

• Enables returns/exchanges : smart contracts automate the process

• Builds customer relationships : loyalty programs, exclusive access, future perks

• Simplifies accounting : every receipt is indexed and searchable

For small businesses dealing with chargebacks and disputes, this is massive. An NFT receipt is cryptographic proof. No he-said-she-said. No ambiguity.

Step-by-Step: Setting Up Your Receivables Token System

Ready to slash those fees? Here's how to get started.

Step 1: Create Your Larecoin Merchant Account

Head to larecoin.com and set up your merchant profile. Takes about 5 minutes.

No extensive paperwork. No 3-week approval process. No invasive underwriting.

Step 2: Set Up Your Self-Custody Wallet

This is crucial. Your wallet = your money.

Larecoin supports multiple wallet integrations. Choose what works for your setup. Hardware wallet? Software wallet? Mobile? Your call.

Step 3: Configure Your Payment Flow

Decide how you want to accept payments:

• Online checkout : plugin integrations for major e-commerce platforms

• In-store POS : QR code payments, NFC options

• Invoicing : send LUSD payment requests directly

Step 4: Receive Payments in LUSD

Customer pays. You receive LUSD directly to your wallet. Instantly.

No pending periods. No holds. No "processing time."

Step 5: Convert or Hold

Keep LUSD for future purchases and payments. Or convert to fiat through integrated off-ramps.

Your money. Your timeline.

Larecoin vs. The Competition

Let's be real about the landscape.

NOWPayments

They offer crypto payment processing. Okay.

But they:

• Hold your funds (custodial)

• Charge higher fees on conversions

• Limited stablecoin options

• No NFT receipt functionality

Check our detailed comparison of NOWPayments vs Larecoin.

CoinPayments

Been around a while. Legacy crypto processor.

Issues:

• Custodial model (they hold your keys)

• Outdated infrastructure

• No receivables token utility

• Higher effective fees when you add everything up

We've broken down the CoinPayments vs Larecoin comparison here.

The Larecoin Advantage

• Self-custody by default : your keys, your crypto

• LUSD stablecoin : no volatility, predictable cash flow

• NFT receipts : next-gen transaction records

• Gas-only transfers : minimal transaction costs

• Push-to-card : easy fiat conversion when needed

• Metaverse-ready : accept payments across virtual worlds

This isn't just incremental improvement. It's a fundamental shift.

Real Savings: What 50%+ Actually Looks Like

Numbers matter. Let's do the math.

Traditional Payment Processing:

• Monthly sales: $50,000

• Average fee: 3%

• Monthly cost: $1,500

• Annual cost: $18,000

With Larecoin Receivables Tokens:

• Monthly sales: $50,000

• Average fee: ~1% or less

• Monthly cost: $500 or less

• Annual cost: ~$6,000

Savings: $12,000+ per year.

For a small business, that's:

• A new hire (part-time)

• Marketing budget

• Equipment upgrades

• Emergency fund

That money was always yours. Legacy payment systems just kept taking it.

Common Concerns (Addressed)

"My customers don't use crypto."

They don't need to. Larecoin integrates seamlessly. Customers can pay with cards while you receive LUSD on the backend. Best of both worlds.

"What about volatility?"

LUSD is pegged to USD. No volatility. Receive $100, hold $100. Simple.

"Is this legal/compliant?"

Absolutely. Crypto payment processing is legal in the US and most global markets. Proper accounting practices apply, just like any business income.

"What about chargebacks?"

NFT receipts provide cryptographic proof of transactions. Dispute resolution becomes dramatically simpler. Plus, native crypto payments are irreversible by design: no fraudulent chargebacks.

The Bigger Picture: Financial Sovereignty

This is about more than saving money.

It's about ownership. Control. Independence.

Traditional finance decides who can transact. Banks close accounts. Processors freeze funds. Payment networks dictate terms.

Web3 payments flip that script.

You accept payments without permission. You hold your money without intermediaries. You operate on your terms.

That's financial sovereignty. And for small businesses tired of being squeezed by legacy systems, it's transformative.

Explore Larecoin's complete ecosystem and see what real merchant freedom looks like.

Next Steps

Stop losing money to interchange fees.

1. Visit larecoin.com

2. Set up your merchant account

3. Configure your first payment flow

4. Start saving

The technology exists. The infrastructure is ready. The savings are waiting.

Your move.