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

Interchange fees are killing your margins.

Every swipe. Every tap. Every online checkout.

Traditional card processors take 1.5% to 3.5% of every single transaction. For cross-border payments? That jumps to 3-5%.

You're bleeding money to middlemen.

Here's the good news: Web3 global payments can slash those costs by 50% or more. Some merchants see up to 60% reduction in transaction costs.

This guide shows you exactly how to make that happen.

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

Let's break down where your money actually goes.

Every credit card transaction involves:

• Interchange fees – Paid to the card-issuing bank

• Assessment fees – Paid to card networks (Visa, Mastercard)

• Processor markup – Paid to your payment processor

Combined? You're looking at $2-$3 per $100 transaction. Minimum.

International sales? Even worse. Currency conversion fees. Cross-border surcharges. Additional compliance costs.

The payment industry profits while you absorb the hit.

How Web3 Payments Cut Your Costs in Half

Blockchain technology eliminates the middlemen.

No card networks taking a cut. No issuing banks demanding their share. No assessment fees eating your revenue.

Here's what Web3 payments deliver:

• Transaction costs below 1% – Down from traditional 1.5-3.5%

• Cross-border fees under 1% – Compared to 3-5% with cards

• Near-instant settlement – No waiting 2-3 business days

• Stablecoin payments – Flat rates under $1 instead of percentage-based charges

The Lightning Network can reduce card processing fees from $2-$3 per $100 to less than $0.01.

Read that again.

Less than one cent versus two to three dollars.

That's the power of decentralized payments.

Larecoin vs. NOWPayments vs. CoinPayments: The Real Comparison

Not all crypto payment solutions are created equal.

Let's compare what matters to merchants.

NOWPayments

• Custodial by default

• Limited stablecoin options

• Standard crypto volatility exposure

• Requires third-party conversions

CoinPayments

• Centralized custody model

• Basic receipt systems

• Multi-step withdrawal process

• Platform-dependent access

Larecoin

• Self-custody from day one

• LUSD stablecoin – Price stability built-in

• NFT receipts – Immutable proof of every transaction

• Gas-only transfers – Minimal transaction costs

• Push-to-card functionality – Instant fiat access when needed

The difference? Merchant freedom.

With Larecoin, you control your funds. Always. No platform can freeze your assets. No third party holds your revenue hostage.

LUSD: The Stablecoin Advantage for Merchants

Crypto volatility scares merchants. Understandable.

LUSD solves this completely.

Accept payments in a price-stable digital currency. No exposure to Bitcoin's swings or Ethereum's fluctuations.

Benefits for your business:

• Predictable revenue – Know exactly what each sale is worth

• Instant settlement – No waiting for conversions

• Lower fees than card processors – Flat transaction costs

• Global accessibility – Accept payments from anywhere

Your customers pay in crypto. You receive stable value. Everyone wins.

NFT Receipts: Beyond Basic Transaction Records

Traditional receipts? Paper that fades. Digital files that get lost. Centralized records that can be altered.

NFT receipts change everything.

Every Larecoin transaction generates an immutable, blockchain-verified receipt. Stored permanently. Tamper-proof. Always accessible.

Why this matters for merchants:

• Dispute resolution – Undeniable proof of transaction

• Accounting automation – On-chain records integrate with modern systems

• Customer trust – Verifiable purchase history

• Audit readiness – Complete transaction trail

This isn't a gimmick. It's a fundamental upgrade to how business records work.

Step-by-Step: Implementing Web3 Payments for Your Business

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

Step 1: Set Up a Self-Custody Wallet

Your funds. Your control.

Choose a Solana-compatible wallet. Phantom and Solflare work great. Download. Create. Secure your seed phrase.

Never share your seed phrase. Ever.

Step 2: Connect to Larecoin's Ecosystem

Visit Larecoin.com to explore integration options.

Join the Larecoin Community to connect with other merchants already saving on fees.

Step 3: Configure LUSD Acceptance

Set up your payment flow to accept LUSD. Price stability means no surprise conversions or volatility losses.

Display prices in traditional currency. Accept LUSD at checkout. Receive exact value.

Step 4: Integrate NFT Receipt Generation

Every transaction automatically generates verifiable proof. No manual work required.

Your accounting team will thank you.

Step 5: Monitor and Optimize

Track your savings. Compare month-over-month costs. Watch those interchange fees disappear.

Most merchants see significant savings within the first 30 days.

Self-Custody: Why Merchant Independence Matters

Centralized payment processors hold power over your business.

They can:

• Freeze your account without warning

• Hold funds for "review" indefinitely

• Change terms whenever they want

• Shut down your payment processing entirely

Self-custody eliminates this dependency.

Your keys. Your crypto. Your business.

No permission needed to access your own revenue. No platform risk. No third-party gatekeepers.

This is what merchant freedom actually looks like.

The Numbers: Real Savings for Real Businesses

Let's do the math.

Traditional card processing on $100,000 monthly revenue:

• Average 2.5% fees = $2,500/month

• Annual cost = $30,000

Web3 payments on $100,000 monthly revenue:

• Sub-1% fees = Under $1,000/month

• Annual cost = Under $12,000

Your savings: $18,000+ per year

That's not theoretical. That's what merchants are actually experiencing with blockchain-based payment processing.

Reinvest those savings. Expand your business. Improve margins. Your choice.

Getting Started Today

Interchange fees don't have to eat your profits anymore.

Web3 global payments offer a legitimate path to 50%+ cost reduction. No gimmicks. Just blockchain efficiency replacing legacy financial infrastructure.

Larecoin makes implementation straightforward:

• Self-custody wallets for true ownership

• LUSD stablecoin for price stability

• NFT receipts for verifiable records

• Gas-only transfers for minimal costs

Your next steps:

1. Explore the ecosystem at Larecoin.com

2. Check out the official announcements for latest updates

3. Join the community discussion

4. Start accepting Web3 payments

The future of merchant payments is decentralized. Independent. Cost-effective.

Stop paying middlemen. Start keeping more of what you earn.

Crypto payments made easy. That's the Larecoin difference.