How to Reduce Merchant Interchange Fees by 50% With a Receivables Token (Easy Guide for Small Business Owners)

Interchange fees are eating your profits alive.

Every swipe. Every tap. Every online checkout. That's 2-4% gone. Poof. Straight to card networks and banks.

For small business owners, that adds up fast. We're talking thousands: sometimes tens of thousands: per year. Money that should be in YOUR pocket.

But here's the thing. There's a smarter way. A Web3 way.

Enter the receivables token.

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

Let's break it down real quick.

Interchange fees are what you pay every time a customer uses a credit or debit card. These fees go to:

• Card-issuing banks (the biggest chunk)

• Card networks (Visa, Mastercard, etc.)

• Payment processors (your gateway provider)

The average? Around 1.5% to 3.5% per transaction. Premium rewards cards? Even higher.

Do the math on $500K in annual card sales. You're looking at $7,500 to $17,500 just in interchange. Every. Single. Year.

Traditional solutions like surcharging or interchange optimization help. But they only scratch the surface.

You need a fundamental shift. You need blockchain rails.

What Is a Receivables Token?

A receivables token is a digital asset representing money owed to you: your receivables: on the blockchain.

Think of it as a smarter, faster, cheaper way to get paid.

No card networks taking their cut. No middlemen stacking fees. Just peer-to-peer value transfer with crypto efficiency.

Larecoin ($LARE) is built exactly for this.

It's not just another crypto token. It's a receivables token designed specifically for merchant payments. Built on Solana for speed. Optimized for real-world commerce.

When customers pay with Larecoin, you skip the legacy payment rails entirely. That's where the 50% savings come from.

How Larecoin Slashes Interchange Fees by 50%

Here's the simple truth:

Blockchain transactions don't have interchange fees.

When you accept Larecoin instead of Visa or Mastercard, you're cutting out:

• Card network fees

• Issuing bank fees

• Assessment fees

• Cross-border fees

What's left? Minimal gas fees on Solana. We're talking fractions of a cent.

The result? Up to 50% reduction in payment processing costs compared to traditional card acceptance.

Let's compare:

Payment Method	Average Fee Per Transaction
Credit Cards	2.5% - 3.5%
Debit Cards	1.5% - 2.5%
CoinPayments	0.5% - 1%
NOWPayments	0.5% - 1%
Larecoin	Gas only (~0.001%)

That's not a typo. Gas-only transfers mean you keep more of what you earn.

The Larecoin Ecosystem: Your Complete Payment Stack

Larecoin isn't a standalone token. It's an entire ecosystem built for merchants.

LUSD (Larecoin Stablecoin)

Volatility concerns? Gone.

LUSD is the stablecoin version of Larecoin. Pegged to the US dollar. Perfect for merchants who want crypto efficiency without price swings.

Accept payments in LUSD. Settle in LUSD. No surprises on your balance sheet.

LarePAY

Your all-in-one payment gateway.

LarePAY handles:

• QR-generated POS for in-store payments

• Online checkout integration

• Multi-currency acceptance

• Instant settlement

No waiting 2-3 business days for funds. No batch processing delays. Money hits your wallet in seconds.

LareBlocks

The infrastructure layer.

LareBlocks powers the entire ecosystem with:

• Cross-chain bridging

• Liquidity pools

• FX calibration for global merchants

• Smart contract automation

It's the backbone that makes everything work seamlessly.

Self-Custody: Your Money, Your Control

Here's where Larecoin really shines.

With traditional payment processors, your money sits in THEIR accounts. You're at their mercy for withdrawals, holds, and frozen funds.

The Larecoin Smart Wallet changes everything.

Self-custody means:

• You hold your private keys

• No third-party can freeze your funds

• Instant access to your money 24/7

• No withdrawal limits or delays

Compare that to platforms like CoinPayments or NOWPayments where you still depend on their custody infrastructure.

With Larecoin, you're truly in control.

Set up your Smart Wallet in minutes. Connect to your POS. Start accepting payments with full self-custody from day one.

NFT Receipts: The Future of Tax & Accounting

This is where things get really innovative.

Every Larecoin transaction can generate an NFT receipt.

Why does this matter?

For Tax Purposes:

• Immutable proof of every transaction

• Timestamped on the blockchain

• Cannot be altered or lost

• Instant audit trail

For Accounting:

• Automated record-keeping

• Easy integration with accounting software

• No more manual receipt management

• Real-time revenue tracking

Traditional payment processors give you CSV exports and monthly statements. Larecoin gives you permanent, verifiable, on-chain records.

Your accountant will thank you. Your tax prep becomes a breeze.

Larecoin vs. The Competition

Let's be real. There are other crypto payment processors out there.

NOWPayments and CoinPayments are solid options. Triple-A has its place too.

But here's how Larecoin stacks up:

NOWPayments

• ✓ Multiple coin support

• ✓ Easy API integration

• ✗ 0.5% - 1% fees

• ✗ Custodial by default

• ✗ No NFT receipts

CoinPayments

• ✓ Wide crypto acceptance

• ✓ Established platform

• ✗ 0.5% transaction fees

• ✗ Custodial wallets

• ✗ No receivables token structure

Triple-A

• ✓ Fiat settlement options

• ✓ Enterprise focus

• ✗ Higher fee structure

• ✗ Less merchant control

• ✗ Traditional processing model

Larecoin

• ✓ Gas-only fees (50%+ savings)

• ✓ True self-custody

• ✓ NFT receipts built-in

• ✓ LUSD stablecoin option

• ✓ QR POS system

• ✓ Complete ecosystem (LarePAY, LareBlocks)

The difference is clear. Larecoin was built from the ground up for merchant success.

How to Get Started (5 Simple Steps)

Ready to slash those interchange fees? Here's your roadmap:

Step 1: Get a Solana Wallet

Download Phantom, Solflare, or any Solana-compatible wallet. This takes 2 minutes.

Step 2: Acquire SOL

You'll need a small amount of SOL for gas fees. Buy on any major exchange.

Step 3: Get $LARE

Swap SOL for Larecoin on Raydium using the official contract address.

Step 4: Set Up Your Smart Wallet

Connect to the Larecoin Dashboard. Configure your merchant settings.

Step 5: Integrate LarePAY

Add QR codes to your POS. Embed checkout buttons on your website. Start accepting payments.

That's it. You're live.

The Bottom Line

Interchange fees are a tax on your success. Every percentage point matters when you're running a small business.

A receivables token like Larecoin isn't just a novelty. It's a practical solution to a real problem.

50% fee reduction. Self-custody. NFT receipts. Stablecoin settlement. QR POS systems.

This is what modern payment infrastructure looks like.

The legacy card networks had their run. It's time for something better.

Ready to keep more of your hard-earned revenue?

Explore Larecoin and see the difference for yourself.

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Have questions about integrating Larecoin into your business? Let's chat and get you set up.