How to Reduce Merchant Interchange Fees by 50%+ with Web3 Global Payments

Interchange fees are killing your margins.

Every swipe. Every tap. Every transaction. You're bleeding 2-4% to card networks, banks, and processors. Cross-border? That jumps to 4-6%.

For merchants moving serious volume, that's thousands, sometimes millions, evaporating into the pockets of middlemen.

Here's the thing. Web3 payments exist now. And they're compressing those fees by 50% or more.

Let's break down exactly how.

The Interchange Fee Problem Is Massive

Traditional payment rails are bloated with intermediaries.

Card networks charge network fees. Issuing banks take interchange. Acquiring banks collect their cut. Payment processors layer on their margins. Cross-border transactions? Add FX spreads on top.

The result: A 6.4% average cost on international transactions.

That's not sustainable. Especially when global e-commerce is exploding and merchants are competing on razor-thin margins.

The legacy system wasn't built for 2026. It was built for an era when physical cards needed physical infrastructure.

Web3 changes everything.

How Web3 Payments Slash Costs by 50%+

Blockchain-based payments eliminate intermediaries.

No correspondent banks. No card network tolls. No acquiring bank fees.

Instead, transactions settle directly on decentralized networks. Validation happens through the blockchain itself, not through a chain of rent-seeking institutions.

The math is simple:

• Traditional cross-border: 4-6% in stacked fees

• Stablecoin-based payments: Near-zero transaction costs + minimal network fees

That's not a minor optimization. That's a fundamental restructuring of the cost model.

Stripe's data shows stablecoin payment volume grew from under $2 billion to over $6.3 billion in just two years. Merchants are catching on.

The infrastructure is ready. The adoption curve is accelerating.

LUSD Stablecoin: The Merchant's Secret Weapon

Not all stablecoins are created equal.

LUSD, Larecoin's native stablecoin, is purpose-built for merchant payments. Here's why it matters:

Price Stability: Pegged to maintain consistent value. No wild swings. No settlement surprises.

Gas-Only Transfers: Transaction costs are minimal. You're paying network fees, not interchange.

Instant Settlement: Funds arrive in your wallet immediately. No 3-5 business day holds.

Global Reach: Accept payments from anywhere. No FX spreads eating your margins.

Compare this to traditional card processing where your funds are held hostage, charged at every step, and subject to chargebacks.

LUSD flips the script.

Merchants keep more of what they earn. Period.

Learn more about LUSD and Larecoin's ecosystem →

NFT Receipts: More Than a Gimmick

Here's where it gets interesting.

NFT receipts aren't just digital proof of purchase. They're programmable assets that unlock real utility.

Immutable Record-Keeping: Every transaction is permanently recorded on-chain. No disputes. No lost paperwork. Complete audit trails.

Loyalty Integration: NFT receipts can carry embedded rewards. Returning customers? Auto-apply discounts. Hit spending thresholds? Unlock exclusive perks.

Warranty & Ownership Verification: Product authenticity and warranty terms live on the receipt itself. No more digging through email archives.

Resale & Transfer: Customers can prove ownership for secondary market transactions. Huge for high-value goods.

Traditional receipts are dead data. NFT receipts are living assets.

Larecoin's infrastructure makes issuing NFT receipts seamless. Every transaction can mint a receipt automatically: no extra integration headaches.

This isn't future tech. It's available now.

Self-Custody: The Non-Negotiable for Web3 Payments

Let's talk about control.

With traditional payment processors, your funds sit in their accounts. Subject to their rules. Subject to their freezes. Subject to their timelines.

Self-custody changes that equation entirely.

You hold your keys. You control your funds.

No third party can freeze your account because they don't like your industry. No surprise holds because an algorithm flagged something. No withdrawal limits imposed by platforms prioritizing their cash flow over yours.

Self-custody isn't just a philosophical stance. It's operational security.

For merchants, this means:

• Immediate access to revenue

• Zero counterparty risk from processor insolvency

• Complete autonomy over treasury management

Larecoin's push-to-card feature bridges the gap. Accept crypto payments with self-custody, then convert and push to traditional banking rails when needed. Best of both worlds.

Financial sovereignty isn't optional in Web3. It's the foundation.

Larecoin vs. NOWPayments vs. CoinPayments

Let's compare.

NOWPayments offers crypto payment processing. Decent multi-chain support. But here's the catch: they're custodial by default. Your funds flow through their infrastructure. Their fees. Their rules. Their timing.

CoinPayments has been around longer. Wide coin support. But the UX is dated. Settlement times vary. And again: custodial model means you're trusting a third party with your revenue.

Larecoin is built different.

Feature	Larecoin	NOWPayments	CoinPayments
Self-Custody	✅ Native	❌ Custodial	❌ Custodial
NFT Receipts	✅ Built-in	❌ No	❌ No
LUSD Stablecoin	✅ Proprietary	❌ Third-party	❌ Third-party
Push-to-Card	✅ Yes	❌ Limited	❌ Limited
Gas-Only Transfers	✅ Yes	❌ Fees apply	❌ Fees apply

The difference isn't marginal. It's architectural.

Larecoin's infrastructure was designed from day one for merchant empowerment. Not platform extraction.

Explore Larecoin's full feature set →

Built on Solana: Speed Meets Scale

Infrastructure matters.

Larecoin runs on Solana: the fastest, most cost-efficient blockchain for payments. Sub-second finality. Negligible transaction costs. Battle-tested throughput.

Why does this matter for merchants?

• Customer Experience: Payments confirm instantly. No spinning wheels. No "pending" limbo.

• Operational Efficiency: High-volume merchants can process thousands of transactions without network congestion.

• Cost Consistency: Gas fees stay predictable and minimal: even during network demand spikes.

Ethereum's high gas fees made crypto payments impractical for everyday commerce. Solana solved that problem.

Larecoin leverages Solana's infrastructure to deliver Web3 payments that actually work at scale.

Getting Started: Your 50%+ Savings Roadmap

Ready to slash interchange fees?

Here's the path:

Step 1: Set up a self-custody wallet compatible with Solana. Hardware wallets recommended for high-volume merchants.

Step 2: Integrate Larecoin's payment gateway into your checkout flow. API documentation makes implementation straightforward.

Step 3: Accept payments in LUSD or other supported tokens. Settlements hit your wallet immediately.

Step 4: Use push-to-card for fiat conversion when needed. Bridge to traditional banking without sacrificing custody.

Step 5: Issue NFT receipts automatically. Build loyalty. Reduce disputes. Create audit trails.

That's it. No complex overhauls. No lengthy onboarding processes.

The technology is ready. The savings are real.

The Bottom Line

Interchange fees are a legacy tax on modern commerce.

Web3 payments: specifically through Larecoin's LUSD stablecoin, self-custody infrastructure, and NFT receipt system: offer merchants a legitimate path to 50%+ fee reduction.

This isn't theoretical. Stablecoin payment volume is exploding. Merchants who move early capture the margin advantage.

Those who wait? They keep feeding the legacy system that's been extracting value for decades.

Your choice.

Start accepting Web3 payments with Larecoin →