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

Interchange fees are bleeding your business dry.

Every swipe. Every tap. Every online checkout. Credit card networks take their cut: anywhere from 1.5% to 3.5% per transaction. For high-volume merchants, that's thousands of dollars vanishing into thin air every single month.

But here's the thing. It's 2026. We have better options now.

Enter the receivables token: a Web3-native solution that's helping forward-thinking merchants slash those fees by 50% or more. No gimmicks. No complicated workarounds. Just smart, blockchain-powered payments that put money back in your pocket.

Let's break it down.

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What Are Interchange Fees (And Why Should You Care?)

Interchange fees are the "hidden tax" on every card transaction. When a customer pays with Visa, Mastercard, or Amex, the merchant pays:

• Interchange fee (goes to the card-issuing bank)

• Assessment fee (goes to the card network)

• Processor markup (goes to your payment processor)

Combined? You're looking at 2-4% gone. Poof.

For a business doing $500K annually in card sales, that's $10,000-$20,000 in fees. Every. Single. Year.

Traditional solutions? Not great. Surcharging customers (where legal) damages relationships. Negotiating with processors barely moves the needle. Cash discounts feel outdated.

The real solution? Eliminate the middlemen entirely.

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How Receivables Tokens Flip the Script

A receivables token is exactly what it sounds like: a blockchain-based digital asset representing money owed to your business. Think of it as a programmable IOU that settles instantly, on-chain, without banks or card networks taking their slice.

Here's how it works with Larecoin:

1. Customer initiates payment using crypto, stablecoin, or fiat-to-crypto conversion

2. Transaction creates a receivables token on the blockchain

3. Token settles instantly to your wallet: no 2-3 day waiting period

4. You receive funds minus a fraction of traditional fees

The magic? Peer-to-peer settlement. No Visa. No Mastercard. No interchange.

Result: Fee reduction of 50-80% compared to traditional card processing. Some cross-border merchants report savings up to 80% on international transactions alone.

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The Larecoin Advantage: Built Different

Not all crypto payment processors are created equal. Let's be real: platforms like NOWPayments and CoinPayments have been around for years. They work. But they weren't built for the merchant-first economy.

Here's where Larecoin stands apart:

Receivables Token Architecture

Larecoin's receivables token isn't just a payment method. It's a settlement layer. Every transaction generates an on-chain record that:

• Proves payment completion

• Creates instant liquidity

• Eliminates chargeback fraud

• Enables seamless accounting integration

NOWPayments? Great for accepting crypto. CoinPayments? Solid for multi-coin support. But neither offers the receivables infrastructure that makes fee elimination truly scalable.

LUSD Stablecoin: Volatility? Gone.

The biggest merchant objection to crypto payments: "But what about price swings?"

Fair point. Nobody wants to accept $100 in crypto that's worth $85 by morning.

Larecoin's LUSD stablecoin solves this. Pegged 1:1 to USD. Fully transparent reserves. Instant settlement.

Your customers pay in whatever they want: BTC, ETH, SOL, or LUSD directly. You receive stable, predictable value every time.

Compare that to CoinPayments, where you're often forced to convert at unfavorable rates or hold volatile assets you didn't ask for.

Gas-Only Transfers

Here's a hidden cost most crypto processors don't talk about: network fees.

Every transaction on Ethereum can cost $5-$50+ in gas during congestion. That eats into your savings real fast.

Larecoin operates on Solana's lightning-fast network. Gas costs? Fractions of a penny. We're talking $0.001 or less per transaction.

That's not a typo.

Your receivables token settles for less than a cent in network fees. Try getting that from traditional rails.

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NFT Receipts: Not a Gimmick: A Game Changer

"NFT receipts? Sounds like a buzzword."

Hear me out.

Every Larecoin transaction can generate an NFT receipt: a permanent, tamper-proof record of the sale stored on-chain. Why does this matter?

For Merchants:

• Eliminate chargeback disputes. The blockchain doesn't lie. Payment happened? Prove it instantly.

• Automate tax reporting. Every receipt is timestamped, categorized, and exportable.

• Build customer loyalty. NFT receipts can unlock future discounts, rewards, or exclusive access.

For Customers:

• Proof of purchase forever. Lost your email confirmation? Doesn't matter. It's on-chain.

• Warranty verification simplified. That smart TV purchase? Verified in seconds.

• Resale authentication. Buying a luxury item secondhand? NFT receipt proves authenticity.

NOWPayments offers basic transaction records. CoinPayments provides standard confirmations. Neither gives you the programmable, multi-utility receipts Larecoin delivers.

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Self-Custody: Your Money, Your Rules

Let's talk about something the legacy payment world doesn't want you to think about.

When you use traditional processors: or even most crypto gateways: your funds sit in their accounts. Sometimes for days. Sometimes longer.

• What if they freeze your account?

• What if they go bankrupt?

• What if new regulations lock your funds indefinitely?

It happens. More often than you'd think.

Self-custody changes everything.

With Larecoin, funds settle directly to your wallet. Not a hosted account. Not a custodial platform. Your private keys. Your money.

This is the foundational promise of Web3 payments: financial sovereignty.

You control:

• When you access funds

• How you convert or spend

• Where you store assets

No permission needed. No intermediaries holding your capital hostage.

For merchants serious about growth and independence, self-custody isn't optional. It's essential.

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Step-by-Step: Getting Started with Larecoin

Ready to slash those fees? Here's your action plan:

Step 1: Set Up Your Wallet

Create a self-custody wallet compatible with Solana. Options include Phantom, Solflare, or any Solana-native wallet. Your keys, your crypto.

Step 2: Integrate Larecoin Payments

Head to larecoin.com and connect your merchant account. Integration options include:

• API for custom e-commerce platforms

• Plugins for Shopify, WooCommerce, and more

• QR code payments for in-store POS

Step 3: Configure Settlement Preferences

Choose how you want to receive funds:

• LUSD stablecoin (recommended for stability)

• LARE token (for ecosystem benefits)

• Direct crypto (BTC, ETH, SOL)

Step 4: Go Live

Start accepting payments. Every transaction generates a receivables token, settles instantly, and creates an NFT receipt automatically.

Step 5: Track Your Savings

Monitor your fee reduction in real-time. Most merchants see 50%+ savings within the first month.

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The Numbers Don't Lie

Let's do some quick math.

Traditional processing:

• Annual card sales: $500,000

• Average fee: 2.75%

• Annual fees paid: $13,750

Larecoin processing:

• Annual crypto/stablecoin sales: $500,000

• Average fee: 1% or less

• Annual fees paid: $5,000 or less

Your savings: $8,750+ per year.

Scale that up. A $2M/year merchant saves $35,000+. A $10M operation? Over $175,000 back in the business.

That's real money. Real growth. Real competitive advantage.

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The Future Is Merchant-First

Interchange fees were designed for a world of paper receipts and dial-up authorization. That world is gone.

Web3 payments: powered by receivables tokens, stablecoins, and self-custody: represent the next evolution. Faster. Cheaper. More secure.

Larecoin isn't just keeping pace with this shift. We're leading it.

Ditch the legacy fees. Embrace financial sovereignty. Grow without limits.

Your business deserves better than 3% cuts on every transaction.

Start saving today at Larecoin.