How to Reduce Merchant Interchange Fees by 50%+ with Web3 Global Payments (Easy Guide)

Interchange fees are eating your margins alive.

Every swipe. Every tap. Every online checkout. Traditional payment processors take their cut: usually 2-4% domestically. Cross-border? You're looking at 4-6% or more when you factor in FX spreads, network fees, and acquiring bank charges.

That's money walking out the door. Every. Single. Transaction.

Here's the good news: Web3 global payments are changing the game. Merchants are slashing those fees by 50% or more. No gimmicks. No complicated setups.

Let's break down exactly how to do it.

The Real Cost of Traditional Payment Rails

Most merchants don't realize how much they're actually losing.

Here's what stacks up on a typical international card transaction:

• Interchange fees (1.5-3%)

• Network fees (0.1-0.15%)

• Acquiring bank fees (0.2-0.5%)

• FX spreads (1-3%)

• Cross-border surcharges (0.5-1%)

Add it up. That's 4-6.5% gone on every cross-border sale.

For a business doing $500K annually in international transactions, you're hemorrhaging $25,000-$32,500 in fees alone.

Traditional rails were built decades ago. They're slow. They're expensive. And they're designed to benefit everyone except the merchant.

Why Stablecoins Are the Answer

Stablecoins bypass the legacy payment infrastructure entirely.

No interchange. No network middlemen. No FX spreads.

When a customer pays with a stablecoin like LUSD, the transaction settles directly on-chain. Peer-to-peer. Minutes instead of 3-5 business days.

The numbers don't lie:

• Traditional cross-border fees: 6.4% average

• Stablecoin transaction costs: Near zero

That's not a marginal improvement. That's a complete paradigm shift.

Monthly stablecoin payment volume has grown from under $2 billion to over $6.3 billion in just two years. Merchants are catching on. Fast.

Enter Larecoin: Web3 Payments Built for Merchants

Not all crypto payment solutions are created equal.

NOWPayments and CoinPayments offer basic crypto acceptance. Fine for hobbyists. But they lack the merchant-first infrastructure serious businesses need.

Larecoin was built different.

What sets Larecoin apart:

• LUSD Stablecoin: Gas-only transfers mean you're not bleeding fees on every transaction

• NFT Receipts: Immutable, audit-proof transaction records on-chain

• True Self-Custody: Your funds. Your keys. Your control.

• 1.5% Fee Structure: Transparent pricing that actually benefits global causes

Let's dig into each.

LUSD: The Stablecoin Built for Business

Most stablecoins charge transfer fees on top of gas.

LUSD doesn't.

Gas-only transfers mean you pay the minimal network cost to move your money: nothing else. For merchants processing high volumes, this adds up to massive savings.

LUSD advantages:

• 1:1 USD peg for price stability

• Gas-only transfers (no hidden fees)

• Instant settlement

• Full transparency on-chain

Compare that to competitors. CoinPayments charges 0.5% on transactions plus withdrawal fees. NOWPayments takes 0.5-1% depending on your plan.

With LUSD, you're paying fractions of a cent in gas. Period.

That's how you hit 50%+ savings on interchange.

NFT Receipts: Your Secret Weapon for Accounting

Here's something most payment solutions completely ignore: reconciliation.

Traditional payment processors give you statements. PDFs. Spreadsheets. All easily altered. All a nightmare during audits.

Larecoin generates NFT receipts for every transaction.

Why this matters:

• Immutable proof of payment on-chain

• Timestamped and verifiable by anyone

• No disputes about what was paid or when

• Audit-proof by design

Your accountant will thank you. Your auditors will be impressed. And if a customer ever disputes a transaction, you have cryptographic proof of payment that can't be altered.

This isn't just a feature. It's the future of business accounting.

Self-Custody: Why It's Non-Negotiable

Let's talk about NOWPayments and CoinPayments for a second.

Both services hold your funds. You're trusting a third party with your revenue. Sound familiar? It should: that's exactly what traditional payment processors do.

What happens when they freeze your account? When they decide you're "high risk"? When they go bankrupt?

You're stuck.

Self-custody changes everything:

• Funds go directly to your wallet

• No account freezes

• No withdrawal limits

• No third-party risk

Larecoin's architecture puts you in control from day one. Your crypto. Your wallet. Your financial sovereignty.

In Web3, "not your keys, not your crypto" isn't just a saying. It's the only way to operate.

Step-by-Step: Slashing Your Fees with Larecoin

Ready to cut your interchange costs in half? Here's exactly how to do it.

Step 1: Set Up Your Self-Custody Wallet

You'll need a Solana-compatible wallet. Phantom or Solflare work great.

Download. Create. Secure your seed phrase. Done.

Step 2: Integrate Larecoin Checkout

Head to larecoin.com and explore the merchant solutions.

Integration options include:

• Direct API for custom builds

• E-commerce plugins for existing platforms

• POS solutions for brick-and-mortar

Step 3: Accept LUSD Payments

Configure your checkout to accept LUSD.

Customers pay. Funds hit your wallet instantly. No waiting 3-5 business days. No intermediary holding your revenue hostage.

Step 4: Convert or Hold

Keep your LUSD for stability. Swap for other assets. Push to card for immediate fiat access.

Your choice. Your control.

Step 5: Generate NFT Receipts

Every transaction automatically creates an NFT receipt.

Export for accounting. Reference during audits. Sleep well knowing your records are bulletproof.

The Math: Traditional vs. Larecoin

Let's run the numbers on a $100,000 monthly revenue scenario.

Traditional Payment Processor (International):

• Average fee: 5%

• Monthly cost: $5,000

• Annual cost: $60,000

Larecoin with LUSD:

• Fee: 1.5% (goes to global causes)

• Gas: ~$50/month at high volume

• Monthly cost: ~$1,550

• Annual cost: ~$18,600

Annual savings: $41,400

That's 69% less in fees. Real money back in your pocket.

And unlike traditional processors, you're not waiting days for settlement. That locked capital becomes working cash immediately.

Why Competitors Fall Short

NOWPayments and CoinPayments have their place. But they're built on an old model.

NOWPayments limitations:

• Custodial by default

• 0.5% fees on transactions

• Limited stablecoin options

• No NFT receipt functionality

CoinPayments limitations:

• 0.5% transaction fees plus withdrawals

• Centralized custody

• Account freeze risk

• Traditional receipt systems

Neither offers true self-custody as a core feature. Neither has gas-only stablecoin transfers. Neither provides immutable NFT receipts.

Larecoin isn't just another crypto payment processor. It's the infrastructure merchants actually need.

The Bottom Line

Interchange fees are a relic of legacy finance.

Web3 payments: done right: eliminate the middlemen, the delays, and the excessive costs that have been standard for decades.

With Larecoin's LUSD stablecoin, NFT receipts, and self-custody architecture, you're not just saving money. You're taking control of your financial future.

50%+ fee reduction isn't a marketing claim. It's math.

Stop letting traditional payment rails drain your margins.

Get started with Larecoin today.