How to Slash Merchant Interchange Fees by 50% and Keep Full Custody of Your Crypto (Easy Guide for Small Businesses)

Let's talk about the elephant in the room.

You're running a small business. Every sale counts. But every time a customer swipes their card, you're handing over 2-4% to payment processors. That's money straight out of your pocket.

Traditional interchange fees are brutal. Visa. Mastercard. The banks. They all take their cut before you see a dime. On a $10,000 monthly revenue? You're losing $200-$400. Every single month.

There's a better way. And it doesn't involve giving up control of your money.

The Hidden Tax Crushing Small Businesses

Here's the reality most merchants face:

• Credit card processing: 2.5-4% per transaction

• Chargebacks and fraud fees

• Monthly gateway fees

• PCI compliance costs

• Currency conversion fees for international sales

It adds up. Fast.

A coffee shop doing $50,000/month in card sales? They're bleeding $1,250-$2,000 in processing fees alone. That's rent money. That's an employee's salary. Gone.

The traditional payment system wasn't built for small businesses. It was built for banks.

Crypto Payments: The 50% Fee Reduction Secret

Blockchain-based payments flip the script entirely.

Direct transactions. No intermediaries skimming profits. No banks holding your funds for days.

The math is simple:

Traditional Processing: 2.5-4% per transaction Crypto Processing: Under 1% (often as low as 0.5%)

That's a 50-75% reduction in fees. Real savings. Real impact.

But here's where most crypto payment solutions fail small businesses: they take custody of your funds.

You accept crypto. They hold it. They convert it. They control when you get paid.

Sound familiar? That's the same problem you had with traditional processors. Different technology. Same lack of control.

Why Self-Custody Changes Everything

Self-custody means one thing: your crypto, your keys, your control.

When a customer pays, the funds go directly to YOUR wallet. Not a third-party's. Not an exchange's. Yours.

No waiting for withdrawals. No account freezes. No surprise policy changes locking up your revenue.

This matters for three critical reasons:

1. Immediate Access Your money is available the moment the transaction confirms. Not tomorrow. Not in 3-5 business days. Now.

2. Zero Counterparty Risk If a payment processor goes bankrupt (it happens), they don't take your funds with them. Your wallet. Your assets.

3. Complete Financial Sovereignty Nobody can tell you how to spend your own money. No restrictions. No permissions needed.

Larecoin vs. The Competition: A Real Comparison

Let's break down how Larecoin stacks up against other crypto payment solutions.

NOWPayments

Popular choice. Decent integration options. But here's the catch:

• They hold your funds initially

• Conversion happens on their end

• Limited stablecoin options

• No NFT receipt functionality

• Compliance varies by region

CoinPayments

Been around since 2013. Wide coin support. However:

• Custodial model (they hold your crypto)

• Higher fees for certain features

• No integrated stablecoin solution

• Manual withdrawals required

• No blockchain-verified receipts

Larecoin

Built different from day one:

• Full self-custody: Funds go directly to your wallet

• LUSD stablecoin integration: Avoid volatility without losing custody

• NFT receipts: Immutable, blockchain-verified transaction records

• Sub-1% processing fees: Keep more of what you earn

• US compliant: MSB registered with state MTL strategy

The difference isn't subtle. It's fundamental.

LUSD: Stability Without Sacrificing Control

Crypto volatility scares merchants. Understandably.

You accept 1 ETH at $3,000. By the time you convert, it's worth $2,700. That's a $300 loss on a completed sale.

LUSD solves this.

Larecoin's stablecoin maintains dollar parity. Accept payments in LUSD. Hold value. Convert when YOU want, not when you have to.

Key benefits:

• Dollar-pegged stability: 1 LUSD = $1 USD

• Gas-only transfers: Minimal transaction costs

• Self-custody compatible: Keep LUSD in your own wallet

• Push-to-card functionality: Convert to fiat when needed

No more watching your revenue fluctuate with Bitcoin's mood swings.

NFT Receipts: The Future of Transaction Records

Paper receipts? Outdated. PDF invoices? Hackable. Editable. Unreliable.

NFT receipts are immutable transaction records on the blockchain.

Every sale generates a unique NFT receipt containing:

• Transaction amount

• Timestamp

• Wallet addresses

• Product/service details

• Verification hash

Why does this matter for small businesses?

Tax compliance: Auditors love immutable records. Blockchain-verified transactions are indisputable.

Dispute resolution: Customer claims they never received service? The NFT receipt proves the transaction occurred.

Business analytics: Track every sale on-chain. Real data. Real insights.

Customer trust: Buyers receive verifiable proof of purchase that can't be faked or lost.

It's not just a receipt. It's a permanent record.

US Compliance: Built for Legitimate Business

Here's where many crypto payment processors fail spectacularly.

They operate in regulatory gray areas. They avoid US customers. They hope nobody asks questions.

Larecoin takes the opposite approach.

Money Services Business (MSB) Registration: Federally registered. Transparent. Accountable.

State Money Transmitter License (MTL) Strategy: Systematic licensing across US states. Proper compliance. No shortcuts.

What this means for your business:

• Legal clarity when accepting crypto payments

• Banking relationships remain intact

• Audit-ready transaction records

• No surprise regulatory shutdowns

Running a legitimate business? Work with a legitimate payment solution.

Implementation: Getting Started in 5 Steps

Ready to slash those interchange fees?

Step 1: Set Up Your Self-Custody Wallet Choose a Solana-compatible wallet. Phantom works great. Your keys. Your control.

Step 2: Connect to Larecoin Visit larecoin.com and integrate with your existing systems.

Step 3: Configure LUSD Settings Decide whether to accept payments in LUSD for stability or other supported cryptos.

Step 4: Enable NFT Receipts Automatic generation for every transaction. No extra setup required.

Step 5: Start Accepting Payments Display your payment options. Customers pay. You receive. Done.

No coding required. No complex integrations. No weeks of setup.

The Bottom Line

Traditional payment processors have had small businesses in a stranglehold for decades.

High fees. Held funds. Zero transparency.

Crypto payments offer an escape route. But only if you choose a solution that respects your autonomy.

Larecoin delivers:

• 50%+ fee reduction compared to traditional processing

• Full self-custody of all received payments

• LUSD stability without third-party control

• NFT receipts for bulletproof record-keeping

• US regulatory compliance for legitimate operation

Your business. Your revenue. Your control.

The tools exist. The infrastructure is ready. The only question: how much longer will you keep paying 4% to swipe a card?

Explore what's possible at larecoin.com.