How to Slash Merchant Interchange Fees by 50% Without Switching Banks

Interchange fees are eating your margins alive.

Every swipe. Every tap. Every transaction. Visa and Mastercard take their cut. Your processor takes theirs. Your bank? Also taking.

By the time everyone's had their slice, you're looking at 2-4% gone. Just like that.

But here's the thing. You don't have to play that game anymore.

You can slash those fees by 50%. Without switching banks. Without complex negotiations. Without losing a single customer.

Let's break it down.

The Interchange Problem Nobody Talks About

Traditional payment processors love complexity. They thrive on it.

Here's what's actually happening every time a customer pays:

• Issuing bank fee

• Network fee (Visa/Mastercard)

• Processor markup

• Gateway fee

• PCI compliance fee

• Statement fee

• Batch fee

The list goes on. And on.

Most merchants pay between 2.5% and 3.5% per transaction. High-risk categories? You're looking at 4% or more.

That's thousands: sometimes tens of thousands: per month. Gone.

Traditional solutions? They're band-aids.

Surcharging passes costs to customers. They hate it. You lose sales.

Level 2/3 data optimization helps B2B transactions. Maybe saves 20-30 basis points. Not enough.

Negotiating rates requires leverage most small businesses don't have.

There's a better way.

Enter Larecoin: The 50% Fee Slash

Here's where things get interesting.

Larecoin isn't just another crypto payment processor. It's an entirely different approach to merchant transactions.

The secret? Receivables tokenization.

Instead of routing payments through the traditional card network maze, Larecoin converts transactions into tokenized receivables. Instant. Direct. Cheap.

The result: Processing fees drop from 2.5-3.5% to under 1.5%.

That's your 50% savings. Right there.

And the best part? Your customers can still pay however they want. Cards. Crypto. Stablecoins. QR codes. The experience stays seamless.

How the Larecoin Ecosystem Works

Let's get technical for a second.

The Larecoin ecosystem runs on four core components:

LARE Token

The receivables token powering the network. Fast settlements. Minimal gas fees. Built on Solana for speed.

LUSD Stablecoin

Dollar-pegged stability for merchants who don't want crypto volatility. Receive payments in LUSD. Convert to fiat whenever you want.

LarePAY

The merchant payment gateway. Integrates with your existing systems. No rip-and-replace required.

LareBlocks

The underlying infrastructure. Smart contracts. Automated settlements. Real-time reconciliation.

Together, these components eliminate the middlemen traditional processors rely on.

No card networks taking their cut. No processors marking up rates. No hidden fees buried in fine print.

Just direct, tokenized transactions between buyer and seller.

The Self-Custody Advantage

Here's where Larecoin really separates from competitors like NOWPayments, CoinPayments, and Triple-A.

Self-custody.

With traditional crypto processors, your funds sit in their wallets. Their custody. Their control.

What happens when they get hacked? When they freeze withdrawals? When they go bankrupt?

You're stuck.

The Larecoin Smart Wallet flips that model.

Your funds. Your keys. Your control.

Every transaction settles directly to your self-custody wallet. No intermediary holding periods. No withdrawal limits. No third-party risk.

And with gas-only transfers on Solana, moving funds costs fractions of a penny. Not the $20+ Ethereum used to charge.

NFT Receipts: The Accounting Game-Changer

Tax season. Audits. Reconciliation nightmares.

Every merchant knows the pain.

Traditional receipt systems are broken. Paper fades. PDFs get lost. Databases crash.

Larecoin's NFT receipts solve this permanently.

Every transaction generates an immutable, blockchain-verified receipt.

Here's what that means for your business:

• Permanent record : Can't be altered, deleted, or lost

• Instant verification : Auditors can verify any transaction in seconds

• Automated categorization : Smart tagging for tax purposes

• Multi-party access : Share with accountants without giving system access

• Legal admissibility : Blockchain timestamps hold up in court

Your accountant will thank you. Your auditor will be impressed. Your sanity will be preserved.

QR-Generated POS: No Hardware Required

Traditional POS systems cost money. Monthly fees. Hardware purchases. Maintenance contracts.

Larecoin's approach? QR-generated point-of-sale.

No terminals. No hardware. No monthly leases.

Just open the merchant app. Generate a QR code. Customer scans. Payment complete.

Works for:

• Brick-and-mortar retail

• Pop-up shops

• Food trucks

• Service businesses

• Events and conferences

Zero upfront cost. Zero monthly hardware fees.

Your smartphone becomes your payment terminal.

Larecoin vs. The Competition

Let's talk alternatives.

NOWPayments

Decent crypto processor. Supports 200+ coins. But here's the catch:

• 0.5% base fee + network fees

• Custodial by default

• No stablecoin native to the platform

• Limited merchant tools

Larecoin advantage: Lower effective fees. True self-custody. LUSD for stability. Full merchant ecosystem.

CoinPayments

One of the oldest in the game. 2,400+ coins supported. But:

• 0.5% fee (sounds good until you add withdrawal fees)

• Custodial wallets only

• Dated interface

• Slow customer support

Larecoin advantage: Modern infrastructure. Self-custody Smart Wallet. NFT receipts. Faster settlements.

Triple-A

Enterprise-focused. Good for big companies. Problems for SMBs:

• Complex onboarding

• Higher minimum volumes

• Limited crypto options

• No QR POS solution

Larecoin advantage: Built for businesses of all sizes. Simple setup. QR-generated POS. No minimums.

Implementation: Easier Than You Think

Getting started with Larecoin takes minutes. Not weeks.

Step 1: Create Your Smart Wallet

Download the app. Set up your self-custody wallet. Secure your keys.

Step 2: Connect to LarePAY

Link your wallet to the merchant gateway. Configure your preferred settlement currency (LARE, LUSD, or fiat).

Step 3: Generate Your POS

Create QR codes for your locations. Embed payment buttons on your website. Done.

Step 4: Start Accepting Payments

Cards. Crypto. Stablecoins. Whatever your customers prefer.

No contracts. No minimums. No switching banks.

Your existing banking relationship stays intact. Larecoin runs parallel: capturing the savings without disrupting operations.

The Math That Matters

Let's run the numbers.

Traditional processor at 2.75%:

• $100,000 monthly volume = $2,750 in fees

• Annual cost: $33,000

Larecoin at 1.25%:

• $100,000 monthly volume = $1,250 in fees

• Annual cost: $15,000

Annual savings: $18,000

That's not rounding error. That's another employee. That's marketing budget. That's profit margin.

And as volume scales? The savings compound.

Ready to Stop Overpaying?

Interchange fees aren't inevitable. They're a choice.

Legacy processors count on merchants accepting "that's just how it is." They profit from complexity and inertia.

Larecoin offers a different path.

50% lower fees. Self-custody security. NFT receipts for bulletproof accounting. QR POS for zero hardware costs.

The technology exists. It works. It's ready.

Visit Larecoin and see the difference yourself.

Your margins will thank you.