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

Interchange fees are bleeding your business dry.

Every swipe. Every tap. Every "thank you, come again."

That's 2-4% of your revenue vanishing into the void. For small business owners, this isn't just annoying: it's existential.

But here's the thing: you don't have to play by legacy rules anymore. There's a smarter path. A path that slashes those fees by 50%. And it starts with something called a receivables token.

Let's break it down.

What Are Interchange Fees Costing You?

Quick math.

You process $100,000 in card transactions monthly. Traditional payment processors take 2.5-3.5% in fees. That's $2,500 to $3,500 gone. Every. Single. Month.

Over a year? You're looking at $30,000-$42,000 in fees.

For most small businesses, that's an employee's salary. Marketing budget. New equipment. Growth capital.

Instead? It's lining the pockets of Visa, Mastercard, and their payment processor buddies.

Traditional advice says to negotiate with card networks. Submit Level 2 and Level 3 data. Process PIN debit instead of signature. Settle daily.

Sure, these methods can shave off 20-40%. But we're talking about 50% reduction: without the headaches.

Enter the Receivables Token: Your New Best Friend

A receivables token isn't some abstract crypto concept. It's practical. Real-world utility.

Think of it as digital cash that moves directly between buyer and seller. No middlemen extracting fees at every touchpoint. No waiting 2-3 business days for settlement. No chargebacks eating into your margins.

Larecoin built its entire ecosystem around this concept.

When a customer pays with LARE or LUSD (Larecoin's stablecoin), the transaction settles instantly. You receive the funds directly in your Larecoin Smart Wallet. The blockchain verifies everything.

Total cost? A fraction of traditional interchange.

How Larecoin Delivers 50% Fee Reduction

Here's where it gets good.

Traditional card payments involve multiple parties taking their cut:

• Issuing bank (1-2%)

• Acquiring bank (0.2-0.4%)

• Card network (0.1-0.3%)

• Payment processor (0.2-0.5%)

• Gateway fees (flat + percentage)

Each layer adds friction and cost.

Larecoin's approach? Gas-only transfers.

You pay a minimal network fee to move value on-chain. That's it. No percentage-based fees eating into high-value transactions. No subscription fees for the privilege of accepting payments.

For a $100 sale:

• Traditional processing: $2.50-$3.50 in fees

• Larecoin: Under $1.00

That's your 50%+ savings. Right there.

The Larecoin Ecosystem Breakdown

Understanding the full stack helps you maximize savings.

LARE Token The core receivables token. Used for payments, rewards, and ecosystem governance. Low-tax transfers make it perfect for everyday transactions.

LUSD Stablecoin Dollar-pegged stability without the volatility. Your customers get crypto convenience. You get predictable cash flow.

LarePAY The merchant interface. Accept payments. Track transactions. Manage your treasury. All in one dashboard.

LareBlocks The underlying infrastructure. Fast finality. Low fees. Built for payments at scale.

Together? A complete payment ecosystem that cuts legacy systems out of the equation.

Self-Custody: Keep Your Funds Under Your Control

Here's something most payment processors won't tell you.

When you use traditional services, your money sits in their accounts. They control the release. They set the terms. They can freeze funds for "review" whenever they feel like it.

Sound familiar?

The Larecoin Smart Wallet flips this model.

Self-custody means you hold your private keys. Your funds are yours: immediately. No waiting periods. No arbitrary holds. No "your account is under review" emails at 2 AM.

For small businesses operating on tight cash flow, this isn't a nice-to-have. It's a game-changer.

Plus, the Smart Wallet integrates directly with LarePAY. Funds from customer payments hit your wallet in real-time. You can hold, swap, or push to card whenever you need traditional currency.

NFT Receipts: Tax Season Just Got Easier

Now for something genuinely innovative.

Every Larecoin transaction generates an NFT receipt.

Not a gimmick. Not a marketing play. Actual utility.

Each receipt is an immutable record on-chain. It contains:

• Transaction amount

• Timestamp

• Parties involved

• Product/service details

Come tax season? Your accountant will love you.

No more digging through email receipts. No more reconciling bank statements with payment processor reports. Every transaction is verifiable, timestamped, and permanently recorded.

For businesses dealing with audits or complex tax situations, NFT receipts provide an evidence trail that's impossible to dispute.

QR-Generated POS: Accept Payments Anywhere

You don't need expensive hardware.

Larecoin's QR-generated POS system turns any device into a payment terminal.

Generate a QR code. Customer scans. Payment complete.

Works at:

• Farmers markets

• Pop-up shops

• Food trucks

• Service calls

• Online checkouts

No card reader purchase. No monthly terminal rental. No integration headaches.

Just open LarePAY, input the amount, show the QR code. Done.

For small business owners constantly on the move, this flexibility is invaluable.

How Does Larecoin Stack Up Against Competitors?

Fair question. Let's compare.

NOWPayments Solid crypto gateway. Accepts multiple coins. But they charge 0.5-1% per transaction plus conversion fees. And you're still dealing with third-party custody.

CoinPayments Another multi-currency option. Processing fees around 0.5%. But withdrawal fees add up. And their settlement times can lag depending on network congestion.

Triple-A Focuses on enterprise clients. Real-time settlement is nice. But their fee structure targets high-volume merchants. Small businesses often get overlooked.

Larecoin Gas-only transfers. Self-custody from day one. NFT receipts built-in. QR POS included. Ecosystem designed for small business use cases.

The math speaks for itself.

Getting Started: Your 5-Minute Setup

Ready to slash those fees?

Step 1: Set Up Your Larecoin Smart Wallet Download the wallet app. Secure your seed phrase. You're in control.

Step 2: Create Your LarePAY Merchant Account Connect your wallet. Configure your business details. Takes about 3 minutes.

Step 3: Generate Your First QR Code Input an amount. Generate the code. You're now accepting crypto payments.

Step 4: Promote Your New Payment Option Add "We Accept Larecoin" signage. Share on social media. Customers who pay with crypto often become repeat buyers.

Step 5: Track and Manage Monitor transactions through LarePAY. Review NFT receipts. Push to card when you need traditional currency.

That's it. No lengthy onboarding calls. No equipment purchases. No waiting for approval.

The Bottom Line

Interchange fees are a relic of a payment system built for plastic cards and paper trails.

Small business owners deserve better.

A receivables token like Larecoin cuts the middlemen. Reduces fees by 50% or more. Gives you instant settlement and true custody of your funds.

Throw in NFT receipts for effortless accounting and QR POS for hardware-free acceptance?

You've got a payment solution built for 2026 and beyond.

Stop feeding the legacy payment machine. Start keeping more of what you earn.

Explore the Larecoin ecosystem and take control of your payment processing today.