How to Slash Merchant Interchange Fees by 50% Using a Receivables Token (Easy Guide)

Interchange fees are eating your profits alive.

Every swipe. Every tap. Every online checkout. Traditional payment processors take their cut: sometimes up to 3.5% per transaction. For high-volume merchants, that's thousands of dollars vanishing into thin air every month.

But here's the thing: you don't have to accept it anymore.

Receivables tokens are changing the game. And if you're ready to cut your payment processing costs by 50% or more, this guide is for you.

What Are Interchange Fees (And Why They're Crushing Your Margins)

Let's break it down.

Interchange fees are the charges you pay every time a customer uses a credit or debit card at your business. These fees go to card-issuing banks, payment networks, and processors.

The typical breakdown:

• Visa/Mastercard network fees: 0.13%–0.15%

• Issuing bank fees: 1.15%–2.40%

• Processor markup: 0.10%–0.50%

Add it all up. You're looking at 2%–3.5% gone on every single transaction.

For a merchant doing $100,000 monthly in card sales, that's $2,000–$3,500 just in processing fees. Every. Single. Month.

Enter the Receivables Token: Your Secret Weapon

Traditional interchange optimization strategies: like Level II/III data processing or surcharging: can recover up to 40-50% of fees. But they're clunky. Complex. And they still keep you trapped in the legacy payment system.

Receivables tokens flip the script entirely.

What's a receivables token?

A blockchain-based digital asset representing the value of a transaction. Instead of routing payments through banks, card networks, and processors (each taking their cut), receivables tokens enable peer-to-peer value transfer.

Direct. Instant. Minimal fees.

Larecoin's receivables token ecosystem is built specifically for merchants who want freedom from the traditional payment stranglehold.

How Larecoin Cuts Your Fees by 50% (Or More)

Here's where it gets interesting.

Larecoin's Web3 payment infrastructure eliminates the middlemen. When customers pay with crypto through your Larecoin merchant integration, you're not dealing with:

• Card network fees

• Issuing bank cuts

• Processor markups

• Chargeback risks

The Larecoin difference:

Fee Type	Traditional Processing	Larecoin
Network fees	0.13%–0.15%	Gas only
Bank/issuer fees	1.15%–2.40%	$0
Processor markup	0.10%–0.50%	Minimal
Total	2%–3.5%	Under 1%

That's real money back in your pocket.

Self-Custody: Your Funds, Your Control

Here's something NOWPayments and CoinPayments don't want you to think about too hard.

When you use centralized crypto payment processors, your funds still sit in their custody. They control the keys. They set the rules. They can freeze your account.

Sound familiar? It should. It's the same problem you had with traditional payment processors.

Larecoin takes a different approach.

Full self-custody. Your wallet. Your keys. Your crypto.

The moment a customer pays, the funds hit your wallet directly. No intermediary holding your money hostage. No waiting for "settlement periods." No account freezes because some algorithm flagged your business.

This is what merchant freedom actually looks like.

LUSD: Stability Without Sacrificing Savings

"But crypto is volatile!"

Fair point. Nobody wants to accept payment in a token that drops 20% overnight.

That's why Larecoin integrates LUSD: a stablecoin pegged to the US dollar.

How it works:

1. Customer pays in their preferred crypto

2. Automatic conversion to LUSD at checkout

3. You receive stable, dollar-pegged value

4. Convert to fiat whenever you want (or keep it in crypto)

All the fee savings of crypto payments. None of the volatility headaches.

NOWPayments charges you for conversions. CoinPayments adds fees on top of fees. Larecoin keeps it simple and cost-effective.

Step-by-Step: Setting Up Larecoin Merchant Payments

Ready to slash those fees? Here's your roadmap.

Step 1: Create Your Merchant Account

Head to Larecoin's merchant portal and sign up. The process takes about 5 minutes.

Step 2: Set Up Your Self-Custody Wallet

Connect your existing Solana-compatible wallet or create a new one. Remember: your keys, your crypto.

Step 3: Integrate the Payment Widget

Copy-paste the checkout code into your website. Works with Shopify, WooCommerce, custom builds: whatever you're running.

Step 4: Configure Your Settlement Preferences

Want instant LUSD conversion? Prefer to receive native LARE tokens? Set your preferences and let the system handle the rest.

Step 5: Start Accepting Payments

That's it. You're live. Start saving immediately.

NFT Receipts: The Future of Transaction Records

Here's a bonus most merchants don't see coming.

Every Larecoin transaction can generate an NFT receipt: a permanent, immutable record of the payment stored on-chain.

Why this matters:

• Instant proof of payment for disputes

• Automated accounting integration

• Customer loyalty tracking

• Zero paper waste

It's not just about saving on fees. It's about building a smarter, more efficient business infrastructure.

Larecoin vs. NOWPayments vs. CoinPayments: The Real Comparison

Let's get specific.

NOWPayments:

• Custody: They hold your funds

• Fees: 0.5%–1% plus conversion fees

• Settlement: 24-48 hours typical

• Control: Limited

CoinPayments:

• Custody: Centralized wallet system

• Fees: 0.5% base plus network fees plus conversion fees

• Settlement: Varies by withdrawal method

• Control: Account-dependent

Larecoin:

• Custody: Full self-custody from transaction one

• Fees: Gas-only transfers, minimal overhead

• Settlement: Instant to your wallet

• Control: Complete merchant independence

The math is clear. The philosophy is clearer.

The Bigger Picture: Merchant Independence

This isn't just about saving money (though saving 50%+ on processing fees is pretty sweet).

It's about reclaiming control over your business.

Traditional payment systems were designed to benefit banks and networks: not merchants. Crypto payment processors like NOWPayments and CoinPayments improved on the model but kept the centralized custody structure.

Larecoin represents the next evolution: true decentralization for merchant payments.

What merchant independence looks like:

• Accept payments from anywhere in the world

• No account freezes or arbitrary holds

• Instant access to your funds

• No permission needed to run your business

Ready to Cut Your Fees in Half?

The numbers don't lie.

Merchants using receivables token systems like Larecoin consistently report 50%+ reductions in payment processing costs. Combined with instant settlement, self-custody security, and NFT receipt innovation: there's no reason to keep feeding the interchange fee machine.

Your next step is simple.

Visit Larecoin's merchant page and set up your account today. Five minutes to get started. Thousands of dollars saved over time.

The future of payments is decentralized. The future is fee-efficient. The future is now.

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Questions about integrating Larecoin into your business? Check out the Larecoin dashboard or explore the crypto payment options available for your store.