Larecoin Vs Visa/Mastercard: How Merchants Are Slashing Interchange Fees by 50%

Interchange fees are killing your margins.

Every swipe. Every tap. Every transaction. Visa and Mastercard take their cut. And it adds up fast.

We're talking 2-3% on every single sale. For high-volume merchants, that's thousands: sometimes millions: gone. Just like that.

But here's the thing. It doesn't have to be this way.

Merchants across every industry are making the switch. They're cutting those fees in half. Some are saving even more.

The secret? Crypto payment rails. Specifically, Larecoin.

Let's break it down.

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The Problem With Traditional Payment Networks

Visa and Mastercard have dominated payments for decades. They built the infrastructure. They set the rules. And they charge whatever they want.

Average interchange fees:

• Visa: 1.4% - 2.5%

• Mastercard: 1.5% - 2.6%

• American Express: 2.5% - 3.5%

• Discover: 1.6% - 2.3%

That's before processor fees. Before gateway fees. Before monthly minimums and PCI compliance costs.

For a business doing $1 million in annual card sales, you're looking at $20,000 to $35,000 in interchange alone.

Every. Single. Year.

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Larecoin: The 1.5% Alternative

Larecoin flips the script.

One flat rate. 1.5% per transaction.

That's it. No hidden fees. No tiered pricing. No surprises at the end of the month.

The math is simple:

• Traditional card processing: 2.5% - 3.5%

• Larecoin: 1.5%

• Your savings: 50%+

For that same $1 million business? You just saved $10,000 to $20,000 annually. Money that stays in your pocket. Money you can reinvest.

And here's where it gets interesting.

87% of that 1.5% fee goes directly back into the ecosystem. It builds liquidity. It strengthens the network. It makes every transaction faster and more efficient.

This isn't extraction. It's infrastructure.

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How Merchants Accept Larecoin Payments

No complicated integrations. No months-long implementation cycles.

Here's how it works:

1. Set up your merchant account on the Larecoin dashboard

2. Generate your QR code for in-store or online checkout

3. Customer scans and pays directly from their crypto wallet

4. You receive funds instantly : no 2-3 day settlement delays

That's contactless. That's direct. That's Web3 payments done right.

No intermediaries skimming off the top. No card networks dictating terms. Just peer-to-peer value transfer on the blockchain.

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Crypto Receivables: The New Business Standard

This is where Larecoin really separates from the pack.

Crypto Receivables aren't just a payment method. They're a financial strategy.

When you accept payments through Larecoin, you're not just collecting revenue. You're building an asset class.

Here's why that matters:

Tax Efficiency Cryptocurrency receivables can be held as tax-deductible expenses until you convert to fiat. Work with your accountant on the specifics, but the opportunity is real.

Flexibility Hold your receivables in crypto. Convert to stablecoins. Swap to fiat on demand. Your treasury, your rules.

Appreciation Potential Fiat depreciates. Quality crypto assets have historically appreciated. Your receivables could be worth more tomorrow than they are today.

Traditional payment processors give you dollars minus fees. Larecoin gives you options.

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NFT Receipts: Transparency Meets Accounting

Every transaction on Larecoin generates an NFT receipt.

Not a gimmick. A game-changer.

Here's what NFT receipts deliver:

• Immutable record : Transaction metadata stored permanently on-chain

• Instant verification : Auditors can verify any transaction in seconds

• Automated reconciliation : No more manual matching of payments to invoices

• Fraud prevention : Can't alter what's written to the blockchain

For enterprises and ISOs dealing with high transaction volumes, this is huge. Your accounting team will thank you. Your auditors will thank you. Your CFO will definitely thank you.

Traditional receipts get lost. Paper trails disappear. Database entries get corrupted.

Blockchain receipts? Permanent. Transparent. Trustless.

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The Larecoin Ecosystem Advantage

Larecoin isn't just a payment processor. It's a complete Web3 financial ecosystem.

Smart Wallet One wallet for everything. Send, receive, swap, and store. Multi-chain support across Ethereum, Polygon, Solana, BSC, and more.

LUSD Stablecoin Don't want crypto volatility? Convert receivables to LUSD instantly. Dollar-pegged stability with blockchain efficiency.

Gas-Only Transfers Move funds across the ecosystem paying only network gas fees. No additional platform charges eating into your transfers.

Push to Card Need fiat fast? Push directly to your debit card. Crypto to spendable cash in minutes, not days.

Multi-Blockchain Support Accept payments on the chain your customers prefer. Ethereum. Solana. Polygon. BSC. Flexibility is built in.

Explore the full ecosystem at larecoin.com/payments.

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Larecoin vs BitPay: The Direct Comparison

BitPay was early to crypto payments. Credit where it's due.

But early doesn't mean best.

Feature	Larecoin	BitPay
Transaction Fee	1.5%	1% - 2%*
NFT Receipts	✓	✗
Crypto Receivables	✓	Limited
Multi-Chain Native	✓	Limited
Ecosystem Integration	Full	Partial
Settlement Speed	Instant	1-2 Days

*BitPay fees vary by plan and volume. Hidden costs apply.

BitPay converts your crypto to fiat immediately. You lose the upside. You lose the flexibility.

Larecoin lets you choose. Hold crypto. Convert to stablecoin. Cash out to fiat. On your timeline.

That's the difference between a payment processor and a financial ecosystem.

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Who's Making the Switch?

Retailers tired of watching 3% disappear on every sale.

E-commerce brands looking for global payments without currency conversion headaches.

ISOs seeking new revenue streams and competitive differentiation.

Enterprises demanding better treasury management and accounting transparency.

Restaurants and hospitality businesses where thin margins make every percentage point critical.

The common thread? They're all done overpaying for legacy infrastructure.

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The Bottom Line

Visa and Mastercard had their run. They built the rails. They collected the tolls.

But new rails exist now. Better rails. Cheaper rails.

Larecoin delivers:

• 50%+ reduction in transaction fees

• Instant settlement (no more waiting 2-3 days)

• Crypto receivables with tax advantages

• NFT receipts for bulletproof accounting

• Full ecosystem for treasury management

The merchants winning in 2026 aren't the ones clinging to legacy systems. They're the ones adapting. Innovating. Saving.

Ready to slash your interchange fees?

Set up your merchant account on the Larecoin dashboard and start accepting crypto payments today.

Or dive deeper into how Larecoin payments work.

The future of payments is here. The only question is whether you're collecting those savings: or still paying them to Visa and Mastercard.