How to Slash Merchant Interchange Fees by 50%+ with Web3 Global Payments (Easy Guide)

You're bleeding money every single transaction.

Not because of bad products. Not because of weak sales. Because of interchange fees eating your margins alive.

Traditional payment processing costs 2-4% domestically. International? That jumps to 4-6%. For small and medium businesses operating on thin margins, that's the difference between growth and stagnation.

Here's the good news: Web3 global payments can slash those costs by 50-75%. Sometimes more.

This guide breaks down exactly how to make the switch. No fluff. Just actionable steps.

The Problem: Traditional Payment Processing Is a Fee Machine

Let's dissect where your money actually goes when a customer swipes their card.

The fee stack looks like this:

• Interchange fees: 1.5-3.5%

• Network assessment fees: 0.13-0.15%

• Acquiring bank fees: 0.1-0.5%

• Payment processor markup: 0.2-0.5%

• Foreign exchange spreads: 1-3% (international only)

• Cross-border surcharges: 0.5-1%

A $100 international sale? That can cost you $6 or more in combined fees.

And the kicker? Settlement delays lock your capital for 3-5 business days. Your money sits in limbo while intermediaries shuffle paperwork.

Multiple middlemen. Multiple cuts. Every single transaction.

The Solution: Web3 Payments Eliminate the Middlemen

Blockchain technology enables direct peer-to-peer transactions. Customer wallet to your self-custody merchant account. No correspondent banks. No processing layers. No gatekeepers.

What gets eliminated:

• Interchange fees? Gone.

• Network fees? Gone.

• Acquiring bank cuts? Gone.

• FX conversion markups? Gone.

What's left? Minimal blockchain gas fees. That's it.

Stablecoin-based transactions settle on-chain with costs below 1%. We're talking 50-75% savings compared to traditional rails.

The math is simple: fewer intermediaries = fewer entities taking cuts from your revenue.

Real Savings: The Numbers Don't Lie

Let's get specific.

Scenario 1: $30,000 Monthly Revenue

Method	Monthly Cost	Annual Cost
Traditional (3%)	$900	$10,800
Web3 (0.5-1%)	$150-300	$1,800-3,600
Annual Savings	,	$7,200-9,000

Scenario 2: $500,000 Annual Revenue (International)

Method	Annual Cost
Traditional (5%)	$25,000
Web3 with LUSD stablecoin	~$8,100
Annual Savings	$16,900 (69% reduction)

Scenario 3: $500,000 E-commerce Business

Method	Annual Cost
Traditional (3% + cross-border)	$18,000
Web3 payments (<1%)	$4,500
Annual Savings	$13,500 (75% reduction)

That's money back in your pocket. Money for inventory. Marketing. Expansion. Hiring.

Why Larecoin Beats the Competition

You've got options in Web3 payments. NOWPayments. CoinPayments. Others.

But here's why merchants are choosing Larecoin:

LUSD Stablecoin Advantage

Volatility concerns? Eliminated.

LUSD gives you the fee benefits of blockchain settlement without the price swings of traditional crypto. Your $100 stays $100. Not $97. Not $103. $100.

Competitors force you into volatile assets or charge premium fees for stablecoin conversion. Larecoin's native LUSD integration means seamless, stable transactions from day one.

True Self-Custody

This is non-negotiable in 2026.

NOWPayments and CoinPayments hold your funds. You're trusting third parties with your revenue. Sound familiar? That's just traditional banking with crypto paint.

Larecoin enables true self-custody. You control your private keys. You control your funds. Period. No lengthy bank applications. No credit checks. No asking permission to access your own money.

Financial sovereignty isn't a buzzword here. It's the architecture.

NFT Receipts: The Accounting Game-Changer

Every Larecoin transaction can generate an NFT receipt.

Why this matters:

• Immutable transaction records

• Verifiable proof of payment

• Simplified tax season

• Audit-ready documentation

• No more receipt hunting

Traditional processors give you spreadsheets. Larecoin gives you blockchain-verified proof that can't be altered or disputed.

Implementation: 4 Steps to Start Saving

Ready to cut fees? Here's the roadmap.

Step 1: Set Up Your Self-Custody Merchant Account

Create your account through Larecoin's platform. You control private keys and funds directly. The whole process takes minutes, not weeks.

No credit checks. No approval committees. No waiting.

Step 2: Enable Stablecoin Payments

Activate LUSD acceptance in your merchant dashboard. Customers pay in stablecoins. You receive stablecoins. No volatility. No conversion fees.

The blockchain handles settlement. You handle business.

Step 3: Offer Multiple Payment Options

Don't abandon traditional customers overnight.

Enable both:

• Stablecoin payments (for crypto-native users)

• Traditional card processing (for legacy customers)

Let customers choose. Capture the growing crypto market while maintaining accessibility.

Step 4: Leverage NFT Receipts for Accounting

Turn on NFT receipt generation. Every transaction creates verifiable, immutable records stored on-chain.

When tax season hits? When auditors come knocking? You've got blockchain-verified proof of every single transaction.

The Competitive Landscape: A Quick Comparison

Feature	Larecoin	NOWPayments	CoinPayments
Self-Custody	✅ Yes	❌ Custodial	❌ Custodial
Native Stablecoin	✅ LUSD	❌ Third-party	❌ Third-party
NFT Receipts	✅ Yes	❌ No	❌ No
Gas-Only Transfers	✅ Yes	❌ No	❌ No
Push-to-Card	✅ Yes	❌ Limited	❌ Limited

The differences add up. Fast.

Beyond Fee Savings: The Bigger Picture

Cutting interchange fees by 50%+ is just the start.

Instant Settlement

No more 3-5 business day holds. Blockchain transactions settle in minutes. Your cash flow thanks you.

Global Reach Without Borders

Sell to customers anywhere. No international surcharges. No currency conversion headaches. One system. Every country.

Future-Proof Infrastructure

Web3 adoption is accelerating. Building on blockchain rails now positions your business for where payments are headed.

Getting Started Today

The traditional payment system was built for the traditional financial system. Multiple intermediaries. Multiple fees. Multiple delays.

Web3 payments bypass all of it.

Larecoin makes the transition simple:

• Self-custody architecture

• LUSD stablecoin stability

• NFT receipt automation

• Gas-only transfer costs

Stop giving away 3-5% of every sale. Start keeping more of what you earn.

Check out the Larecoin blog for more guides. Join the community forums to connect with other merchants making the switch.

Your margins matter. Web3 protects them.