Larecoin Vs Visa: Why Merchants Are Slashing Interchange Fees by 50%

Interchange fees are bleeding your business dry.

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

The average merchant pays 1.5% to 3.5% per transaction to legacy payment networks. That's thousands: sometimes hundreds of thousands: gone every year. Just to accept payments.

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

Merchants are waking up. They're ditching the old rails. And they're slashing their payment processing costs by 50% or more.

The secret? Crypto receivables. Specifically, Larecoin.

Let's break it down.

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The Interchange Fee Problem

Interchange fees aren't just annoying. They're a tax on doing business.

Here's how the legacy system works:

1. Customer pays with card

2. Card network (Visa/Mastercard) takes a cut

3. Issuing bank takes a cut

4. Acquiring bank takes a cut

5. Payment processor takes a cut

6. You finally get paid: days later

Every layer adds cost. Every middleman eats into your margin.

The numbers don't lie:

• Visa interchange: 1.15% - 2.40% + per-transaction fees

• Mastercard interchange: 1.15% - 2.50% + per-transaction fees

• American Express: 1.43% - 3.30%

• Add processor markups on top

For a business processing $500K annually, that's $10,000 to $17,500 in fees. Every single year.

And what do you get for it? Chargebacks. Fraud risk. Settlement delays.

Not exactly a great deal.

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How Larecoin Cuts Fees by 50%

Larecoin operates differently. Fundamentally differently.

No card networks. No issuing banks. No acquiring banks. No middlemen stacking fees on top of fees.

Instead, payments flow through a decentralized cryptocurrency ecosystem. Direct. Fast. Cheap.

The result? Merchants keep more of every transaction.

Larecoin reduces interchange fees by more than 50% compared to Visa, Mastercard, AmEx, and Discover. That's not marketing fluff. That's infrastructure advantage.

Here's what that looks like in practice:

Payment Method	Typical Fee	Settlement Time
Visa/Mastercard	1.5% - 3.5%	1-3 business days
American Express	2.0% - 3.5%	1-3 business days
BitPay	1.0%	1-2 business days
Larecoin	~50% less than legacy	Instant

The math is simple. Lower fees = higher margins = more money in your pocket.

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Crypto Receivables: The New Business Standard

Forget everything you know about crypto payments.

Larecoin isn't just "accepting Bitcoin." It's a complete receivables system built for business.

What are Crypto Receivables?

When a customer pays with Larecoin, you receive LARE tokens as receivables. Think of it like accounts receivable: but on the blockchain.

The benefits are massive:

• Tax efficiency: Larecoin receivables can be claimed as expenses until converted to fiat

• Instant settlement: No waiting 3 days for funds to clear

• No chargebacks: Blockchain transactions are final

• Full transparency: Every transaction is verifiable on-chain

This isn't experimental. It's the new standard for forward-thinking merchants.

Enterprises are already making the switch. ISOs are building portfolios around it. Small businesses are discovering margins they didn't know existed.

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NFT Receipts: Accounting Gets an Upgrade

Here's where it gets interesting.

Every Larecoin transaction automatically generates an NFT receipt. Not a gimmick. A genuine business tool.

What's stored on the NFT?

• Transaction amount

• Timestamp

• Parties involved

• Metadata

All immutable. All verifiable. All on the blockchain.

For accounting? Game changer.

No more paper trail nightmares. No more "he said, she said" disputes. Every transaction has a permanent, tamper-proof record.

Auditors love it. Accountants love it. Your CFO will love it.

And for customers? Total transparency. They can verify their purchase history anytime. Trust built in.

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Larecoin vs BitPay vs Visa: The Real Comparison

Let's get specific. How does Larecoin stack up against the competition?

Visa/Mastercard:

• ❌ High interchange fees (1.5% - 3.5%)

• ❌ Settlement delays (1-3 days)

• ❌ Chargeback risk

• ❌ Complex fee structures

• ✅ Universal acceptance

BitPay:

• ✅ Lower fees (~1%)

• ❌ Still requires conversion to fiat

• ❌ Limited ecosystem

• ❌ No receivables token structure

• ✅ Accepts multiple cryptos

Larecoin:

• ✅ 50%+ lower fees than legacy

• ✅ Instant settlement

• ✅ No chargebacks

• ✅ Crypto receivables (tax-efficient)

• ✅ NFT receipts for transparency

• ✅ LUSD stablecoin option

• ✅ Push to card services

• ✅ On-demand swaps to 55+ cryptocurrencies

The choice is clear. Larecoin isn't just cheaper. It's smarter.

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The Larecoin Ecosystem: Built for Business

Larecoin isn't a single product. It's an ecosystem designed for merchants.

Smart Wallet

Your command center for crypto payments. Accept payments. Manage receivables. Track transactions. All in one place.

LUSD Stablecoin

Need stability? Convert LARE to LUSD: a stablecoin pegged to the dollar. No volatility. No surprises.

Gas-Only Transfers

Move funds without eating into your balance. Pay only network gas fees. Keep more of what you earn.

Push to Card

Convert Larecoin to LUSD and activate prepaid Visa card options. Spend your crypto earnings anywhere Visa is accepted.

On-Demand Swaps

Instantly exchange LARE for over 55 cryptocurrencies. Including Bitcoin. Flexibility when you need it.

Multiple Payment Formats:

• QR code generation

• Wallet connectivity

• Inventory-based checkout systems

From corner stores to enterprise deployments. Larecoin scales with your business.

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Why Merchants Are Making the Switch

The trend is undeniable. Merchants are leaving legacy payment rails behind.

The reasons stack up:

1. Margin protection : 50% fee reduction means real money saved

2. Cash flow improvement : Instant settlement beats waiting days

3. Risk reduction : No chargebacks means no disputes

4. Tax optimization : Receivables structure offers efficiency

5. Future-proofing : Web3 payments are the next frontier

ISOs are taking notice. Enterprises are running pilots. Early adopters are already seeing results.

The question isn't whether crypto payments will go mainstream. It's whether you'll be ahead of the curve or playing catch-up.

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Getting Started

Ready to slash your interchange fees?

Here's your roadmap:

1. Visitlarecoin.com to explore the ecosystem

2. Set up your Smart Wallet

3. Integrate QR codes or checkout systems

4. Start accepting crypto payments immediately

No lengthy onboarding. No complex integrations. No waiting.

The future of payments is here. And it costs 50% less than what you're paying now.

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The Bottom Line

Visa built a payments empire on interchange fees. Mastercard followed. For decades, merchants had no choice but to pay.

That era is ending.

Larecoin offers a genuine alternative. Lower fees. Faster settlement. Better transparency. Real business benefits.

Merchants who make the switch keep more of every transaction. Those who don't? They keep paying the tax.

The math is simple. The technology is ready. The only question left is: when will you make the move?

Check out the latest updates in the Larecoin forum and join the merchants who are already saving.