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

Interchange fees are bleeding your business dry.

Every swipe. Every tap. Every online checkout. Visa, Mastercard, and the legacy payment processors take their cut. We're talking 1.5% to 3.5% per transaction. Sometimes more.

For a merchant doing $500K monthly? That's $7,500 to $17,500 vanishing into thin air. Every. Single. Month.

Traditional solutions offer crumbs. Network tokenization? Maybe 0.05% to 0.10% savings. That's not a solution. That's a rounding error.

But what if you could bypass the card networks entirely?

Enter the receivables token. Specifically, Larecoin's receivables token ecosystem. And yes: we're talking about cutting those fees by 50% or more.

Let's break it down.

What Exactly Is a Receivables Token?

A receivables token represents actual value owed to you. Think of it as a digital IOU that's instantly liquid, programmable, and doesn't require Visa's permission to move.

With Larecoin, merchants accept payments directly. No intermediary card networks. No 15-day settlement windows. No chargebacks eating into your margins.

The token itself: $LARE: functions as the native currency of the ecosystem. Paired with LUSD (our stablecoin pegged 1:1 to USD), merchants get price stability without the volatility headaches.

Key components:

• $LARE : The receivables token powering the network

• LUSD : Stablecoin for predictable settlement

• LarePAY : Merchant payment gateway

• LareBlocks : Layer 1 blockchain infrastructure

The Math: How 50% Savings Actually Works

Legacy payment rails charge fees at every checkpoint:

Fee Type	Traditional Rate
Interchange	1.5% - 2.5%
Assessment	0.13% - 0.15%
Processor markup	0.2% - 0.5%
Total	1.83% - 3.15%

With Larecoin's receivables token system:

Fee Type	Larecoin Rate
Network gas fee	~0.001%
LarePAY processing	0.5% - 1.0%
Total	~0.5% - 1.0%

That's not a marginal improvement. That's a fundamental restructuring of payment economics.

For that $500K/month merchant? We're talking $2,500 to $5,000 in fees versus $9,000 to $15,000. Annual savings north of $100,000.

Step-by-Step: Setting Up Your Receivables Token System

Ready to cut the card networks out of your revenue stream? Here's the playbook.

Step 1: Set Up Your Larecoin Smart Wallet

Self-custody is non-negotiable. Your money. Your keys. Your control.

The Larecoin Smart Wallet gives you:

• Full ownership of your funds

• Instant settlement (no 3-day holds)

• Multi-signature security options

• Direct conversion to fiat when needed

No third party can freeze your assets. No processor can hold your funds for "review."

Step 2: Integrate LarePAY Into Your Checkout

LarePAY works with existing e-commerce platforms. Shopify. WooCommerce. Custom builds. Doesn't matter.

The QR-generated POS system handles in-store transactions. Customers scan. Payment confirms in seconds. Done.

Integration options:

• API for custom implementations

• Plug-and-play widgets for major platforms

• QR code generation for physical locations

• Invoice system for B2B transactions

Step 3: Configure Your Settlement Preferences

Want instant conversion to LUSD for stability? Set it.

Prefer to hold $LARE for potential appreciation? Your call.

Need automatic push-to-card for immediate fiat access? Configured in two clicks.

The flexibility is the point. Legacy processors give you their terms. Larecoin gives you options.

Step 4: Enable NFT Receipts

This is where it gets interesting.

Every transaction generates an NFT receipt. On-chain. Immutable. Timestamped.

Why this matters for your business:

• Tax documentation that auditors actually trust

• Automatic categorization for accounting software

• Dispute resolution with cryptographic proof

• Customer loyalty programs built on transaction history

Your accountant will thank you. Your tax attorney will love you.

How Larecoin Stacks Up Against Other Crypto Payment Processors

Let's be real: we're not the only crypto payment option. NOWPayments, CoinPayments, Triple-A all exist.

Here's where Larecoin differs:

Feature	Larecoin	NOWPayments	CoinPayments	Triple-A
True self-custody	✅	❌	❌	❌
Native stablecoin (LUSD)	✅	❌	❌	❌
NFT receipts	✅	❌	❌	❌
Own Layer 1 blockchain	✅	❌	❌	❌
Processing fees	0.5-1.0%	0.5-1.0%	0.5%	0.8%

The fee structures look similar. The infrastructure doesn't.

NOWPayments and CoinPayments require you to trust their custody. Your funds sit in their wallets until they decide to release them.

Triple-A focuses on enterprise clients. Good for them. Not great for the SMB merchant trying to keep margins healthy.

Larecoin's receivables token model means you're not just accepting crypto payments. You're building on a financial infrastructure designed for merchant profitability.

Real Talk: Who Should Actually Use This?

Not every business needs to slash interchange fees. If you're processing $5K monthly and interchange is $150... maybe not worth the setup.

Ideal Larecoin merchants:

• Monthly volume above $50K

• Recurring subscription businesses

• International sellers (no cross-border fees)

• High-ticket items (where 2.5% hurts)

• Digital goods/services (instant delivery, instant payment)

Industries seeing the biggest wins:

• SaaS and digital subscriptions

• E-commerce with global customer bases

• Professional services

• Wholesale and B2B

• Gaming and digital content

The Self-Custody Advantage You're Probably Ignoring

Here's something most merchants don't think about until it's too late:

Payment processors can (and do) freeze accounts. Hold funds for 90+ days. Demand documentation. Terminate relationships without warning.

Happened to thousands of merchants in 2024 alone.

With Larecoin's Smart Wallet, there is no counterparty risk. Funds hit your wallet. They're yours. Immediately. No approvals needed.

That's not just fee savings. That's business continuity insurance.

Getting Started Today

The gap between legacy payment systems and receivables token infrastructure is widening. Every month you wait is another month of 2-3% bleeding out of your transactions.

Your next steps:

1. Visit Larecoin and explore the merchant documentation

2. Set up your Smart Wallet

3. Integrate LarePAY into one sales channel as a test

4. Track your savings over 30 days

5. Scale across all channels

The math is simple. The implementation is simpler.

50% fee reduction isn't marketing speak. It's the inevitable result of removing middlemen who add friction and extract value.

Your move.

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Questions about implementation? Join the conversation in our official announcements forum or check the latest Larecoin updates.