How to Reduce Merchant Interchange Fees by 50% with Crypto Payments (Easy Guide for Merchants)

Interchange fees are eating your profits. Every swipe. Every tap. Every online checkout.

Traditional payment processors charge 1% to 3% on every single transaction. That's thousands: sometimes tens of thousands: disappearing from your bottom line annually.

Here's the good news. Crypto payments can slash those fees by 50% or more. And with the right setup, you're looking at reductions of 90%+.

Let's break down exactly how to make this happen for your business.

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The Interchange Fee Problem (And Why It's Getting Worse)

Visa. Mastercard. American Express. They all take their cut.

The average merchant pays 2.24% in interchange fees alone. Add processor markups, assessment fees, and monthly charges. Suddenly you're hemorrhaging 3%+ per transaction.

For a business processing $500,000 annually? That's $15,000 gone. Just in fees.

And here's what most merchants don't realize:

• Interchange rates increased multiple times in 2024 and 2025

• Premium rewards cards cost you even more

• Chargebacks add insult to injury

• Settlement takes 2-3 business days (your money, held hostage)

The system wasn't built for merchants. It was built for card networks.

Time to break free.

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How Crypto Payments Eliminate Interchange Fees

When customers pay with crypto, you bypass the entire card network infrastructure.

No Visa. No Mastercard. No acquiring banks. No interchange.

Here's the math:

Payment Method	Typical Fee	Settlement Time
Credit Card	2.5% - 3.5%	2-3 days
Debit Card	1.5% - 2.5%	1-2 days
Stablecoin (LUSD)	0.1% or less	Minutes
Crypto Payment	0.5% - 1%	Minutes

Stablecoin transactions on modern blockchains cost fractions of a cent in network fees. Even with conversion services, you're saving 50% minimum.

The secret? Direct settlement.

Crypto payments go straight to your wallet. No intermediaries skimming off the top. No waiting days for funds to clear.

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Larecoin vs. NOWPayments vs. CoinPayments: The Real Comparison

Not all crypto payment solutions are created equal.

Let's compare what matters most to merchants:

NOWPayments

• Supports 150+ cryptocurrencies

• 0.5% transaction fee

• Auto-conversion to fiat available

• No self-custody option

• Centralized infrastructure

CoinPayments

• Supports 2,000+ coins

• 0.5% base fee

• Multi-coin wallet

• Custodial by default

• Limited merchant tools

Larecoin

• LUSD stablecoin integration

• True self-custody

• NFT receipt system

• Gas-only transfers

• Push-to-card functionality

• Decentralized architecture

The difference? Freedom.

With NOWPayments and CoinPayments, you're still trusting a third party with your funds. They hold your crypto. They control your access.

Larecoin gives you the keys. Your wallet. Your funds. Your business.

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The LUSD Advantage: Stability Meets Savings

Volatility scares merchants away from crypto. Understandable.

That's why LUSD exists.

LUSD is Larecoin's stablecoin: pegged to the US dollar. Customers pay in LUSD. You receive LUSD. No price swings. No conversion anxiety.

Benefits for merchants:

• Price stability (1 LUSD = $1)

• Instant settlement

• Near-zero transaction fees

• Self-custody compatible

• Easy conversion to fiat when needed

Your customers get crypto convenience. You get dollar stability.

Everyone wins.

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NFT Receipts: The Future of Transaction Records

Here's something competitors don't offer.

NFT receipts.

Every transaction through Larecoin can generate an NFT receipt. Immutable. Verifiable. Stored on-chain forever.

Why does this matter?

• Dispute resolution: Proof of purchase lives on the blockchain

• Accounting simplicity: Automated, tamper-proof records

• Customer loyalty: Collectible receipts become engagement tools

• Tax compliance: Transparent transaction history

Imagine never arguing about a receipt again. Imagine instant proof of every sale, every refund, every exchange.

That's the Larecoin ecosystem.

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Step-by-Step: Setting Up Crypto Payments for Your Business

Ready to cut those interchange fees? Here's your roadmap.

Step 1: Set Up Your Wallet

Self-custody starts with your wallet. Choose a Solana-compatible wallet for seamless Larecoin integration.

Options include:

• Phantom

• Solflare

• Backpack

Download. Create. Secure your seed phrase. Done.

Step 2: Integrate Payment Gateway

Connect your e-commerce platform or POS system. Larecoin supports major platforms and offers API integration for custom setups.

Step 3: Configure LUSD Acceptance

Enable LUSD as a payment option. Set up automatic conversion if you prefer fiat settlement. Or hold LUSD for maximum fee savings.

Step 4: Educate Your Customers

Add crypto payment badges to your checkout. Create simple guides showing customers how to pay. Consider offering a small discount for crypto payments: you're saving on fees anyway.

Step 5: Monitor and Optimize

Track your crypto payment adoption. Compare fee savings against traditional methods. Adjust your strategy based on data.

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Self-Custody: Why It Matters for Merchant Independence

Here's the uncomfortable truth about most crypto payment processors.

They're just new middlemen.

NOWPayments holds your funds. CoinPayments controls your wallet. When they have problems, you have problems.

Remember what happened to merchants using centralized exchanges in 2022? Funds frozen. Access denied. Businesses disrupted.

Self-custody eliminates that risk.

With Larecoin:

• You control your private keys

• No third-party can freeze your funds

• Instant access to your money

• True financial sovereignty

This isn't just about fees. It's about independence.

Your business. Your rules. Your crypto.

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Real Savings: What to Expect

Let's run the numbers for a typical retail merchant.

Monthly sales: $50,000

Scenario	Traditional Cards	Crypto (Larecoin)	Savings
Transaction Fees	$1,250 (2.5%)	$250 (0.5%)	$1,000
Monthly Fees	$50	$0	$50
Chargeback Costs	$150	$0	$150
Total Monthly	$1,450	$250	$1,200

Annual savings: $14,400

That's not a typo. Over $14,000 back in your pocket. Every year.

And as crypto adoption grows, these savings compound. More customers paying with crypto. More transactions avoiding interchange. More profit retained.

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Getting Started Today

The traditional payment system wasn't designed to help merchants. It was designed to extract fees.

Crypto changes that equation.

With Larecoin, you get:

• 50%+ fee reduction on every transaction

• LUSD stability without volatility risk

• NFT receipts for bulletproof record-keeping

• True self-custody and merchant independence

• Instant settlement instead of waiting days

The merchants who adopt crypto payments now gain competitive advantage. Lower costs mean better pricing. Better pricing means more customers.

Ready to stop paying unnecessary fees?

Join the Larecoin Community and connect with merchants already saving thousands.

Check out the official announcements for the latest integration updates.

Or dive into Larecoin Economics to understand exactly how the ecosystem works.

Your interchange fees are waiting to be cut. Let's make it happen.