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

Interchange fees are eating your profits alive.

Every swipe. Every tap. Every transaction. Card networks take their cut. Processors take their cut. Banks take their cut.

Small businesses lose 2-3% on every single sale. That's thousands of dollars annually. Gone.

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

Receivables tokens are flipping the script on traditional payment processing. And Larecoin is leading the charge.

Let's break down exactly how you can slash those merchant fees by 50%: no complex setup required.

The Interchange Fee Problem (It's Worse Than You Think)

Traditional payment processing is a maze of middlemen.

• Credit card networks charge interchange fees (1.5%-3.5%)

• Payment processors add their markup

• Banks collect their share

• You're left with the scraps

For a business processing $100,000 annually, that's $2,000-$3,500 vanishing into thin air. Every. Single. Year.

Small businesses get hit the hardest. No volume discounts. No negotiating power. Just fees on top of fees.

What Is a Receivables Token?

Think of a receivables token as a digital proof of payment. But smarter.

Traditional processors hold your money. They decide when you get paid. They charge you for the privilege.

Receivables tokens flip this model.

Here's how Larecoin's receivables token works:

1. Customer pays with crypto or fiat

2. Transaction gets tokenized instantly

3. Funds go directly to YOUR wallet

4. NFT receipt generated automatically

5. No middleman holding your cash

It's peer-to-peer at its finest. Direct settlement. True ownership of your funds.

No more waiting 2-3 business days for deposits. No more hoping your processor doesn't freeze your account.

Why NOWPayments and CoinPayments Fall Short

Sure, crypto payment processors exist. NOWPayments and CoinPayments are popular options.

But they're still playing the old game with new tools.

NOWPayments:

• Still relies on centralized processing

• Limited self-custody options

• Standard fee structure (0.5%-1%)

• No receivables tokenization

CoinPayments:

• Custodial by default

• Complex fee tiers

• No NFT receipt functionality

• Traditional settlement delays

Both platforms improved on legacy processors. But they didn't reimagine the system.

Larecoin did.

Check out our detailed comparison with CoinPayments and our breakdown of NOWPayments vs Larecoin.

Step-by-Step: Reducing Your Fees by 50%

Ready to cut those interchange costs in half? Here's your playbook.

Step 1: Set Up Your Self-Custody Wallet

Self-custody is non-negotiable.

Your money. Your wallet. Your control.

Connect a Solana-compatible wallet to the Larecoin ecosystem. Phantom, Solflare, or any SPL-supporting wallet works.

No signup forms. No approval processes. No bank account linking.

Step 2: Integrate Larecoin Payment Processing

Add Larecoin to your checkout flow.

• E-commerce? Simple API integration

• Physical store? QR code payments

• Both? Unified dashboard

The system accepts crypto directly. No conversion delays. No processor markup.

Step 3: Leverage LUSD for Stability

Volatility concerns? Sorted.

LUSD: Larecoin's stablecoin: lets you receive payments pegged to the dollar. All the crypto benefits. None of the price swings.

Customers pay in their preferred crypto. You receive stable value. Everyone wins.

Step 4: Enable Gas-Only Transfers

Here's where the magic happens.

Larecoin's gas-only transfer system means you only pay network fees. That's it.

No percentage cuts. No hidden charges. Just the minimal cost to process the transaction on-chain.

For most transactions, we're talking fractions of a penny.

Step 5: Collect NFT Receipts Automatically

Every transaction generates an NFT receipt.

• Immutable proof of payment

• Automatic bookkeeping

• Zero extra effort

Your accountant will thank you. Your auditor will love you.

The Math: Real Savings for Real Businesses

Let's run the numbers.

Traditional Processing (Monthly):

• Sales: $50,000

• Average interchange rate: 2.5%

• Monthly fees: $1,250

• Annual fees: $15,000

Larecoin Processing (Monthly):

• Sales: $50,000

• Gas-only transfers: ~$25

• Monthly fees: ~$25

• Annual fees: ~$300

Annual Savings: $14,700

That's not 50%. That's closer to 98% reduction.

But let's be conservative. Factor in some fiat conversions, occasional network congestion, and operational costs.

Realistic savings: 50-80% depending on your transaction volume and customer payment mix.

Still life-changing for small businesses operating on thin margins.

Self-Custody: The Freedom Factor

Beyond fee savings, self-custody transforms your relationship with money.

Traditional processors can:

• Freeze your account without warning

• Hold funds for "review"

• Change terms overnight

• Shut you down entirely

With Larecoin's self-custody model:

• Funds hit your wallet instantly

• No one can freeze your assets

• You control every penny

• True financial independence

This isn't just about saving money. It's about merchant freedom.

NFT Receipts: More Than Just Cool Tech

NFT receipts sound gimmicky. They're not.

For Merchants:

• Automatic, tamper-proof records

• Simplified tax documentation

• Easy dispute resolution

• Customer loyalty tracking potential

For Customers:

• Proof of purchase forever

• No lost receipts

• Easy returns and warranty claims

• Digital collectibles for brand engagement

It's accounting infrastructure meets customer experience innovation.

Getting Started Today

The crypto payment revolution isn't coming. It's here.

Small businesses adopting receivables tokens now are positioning themselves ahead of the curve.

Here's your quick-start checklist:

• Set up a self-custody Solana wallet

• Visit Larecoin.com to explore integration options

• Review your current processing costs

• Calculate potential savings

• Start accepting crypto payments

No commitment required. No complex contracts. Just better payments.

The Bottom Line

Interchange fees are a legacy tax on modern commerce.

Credit card networks built a system that benefits them: not merchants. Not customers.

Receivables tokens represent a fundamental shift. Direct payments. Self-custody. Transparent fees. NFT receipts.

Larecoin built this infrastructure specifically for merchants tired of the old way.

50% fee reduction is the starting point. True financial independence is the destination.

Ready to stop paying the middlemen?

Explore Larecoin's crypto payment solutions and discover what merchant freedom actually looks like.