Stop Paying 3% Fees: The Ultimate Guide to Web3 Global Payments That Reduce Merchant Interchange Fees by 50%+

Traditional Payment Processing Is Bleeding Your Business Dry

Every swipe costs you money.

Credit card companies take 2-3.5%. Payment processors add another layer. International transactions? Try 3-7% plus currency conversion fees.

A restaurant processing $500,000 annually loses $15,000 to fees. That's inventory. Staff wages. Marketing budget. Gone.

Web3 global payments change everything.

The Hidden Tax Nobody Talks About

Traditional merchant interchange fees include:

Card network fees – Visa, Mastercard, Amex each take their cut.

Processor markup – Stripe, Square, PayPal add 0.5-1% on top.

Gateway fees – Another $10-30 monthly just to accept payments.

Cross-border surcharges – 1-3% extra for international customers.

Chargeback fees – $25-100 per dispute even if you win.

PCI compliance costs – Security requirements add hundreds annually.

The real kicker? These fees compound. A $10,000 international transaction through traditional banking costs $330 and takes 3-7 business days.

How Web3 Payments Slash Fees to Under 1%

Blockchain eliminates the middleman infrastructure.

No card networks. No acquiring banks. No correspondent banking chains. Just direct wallet-to-wallet settlement.

The math is simple:

$500,000 annual volume at 3% traditional = $15,000 in fees.

Same volume with Web3 payments under 1% = $5,000 in fees.

Annual savings: $10,000 (67% reduction).

Gas fees replace percentage-based processing. A $50 transaction costs the same as a $5,000 transaction – typically $0.50-$2 depending on network congestion.

Larecoin vs. The Competition: Why We Win

NOWPayments Alternative

NOWPayments charges 0.5% per transaction. Still percentage-based. Still adds up.

Larecoin: Gas-only transfers mean flat fees regardless of transaction size. Process $100,000 or $100 – same cost.

Plus: Built-in receivables token system. Convert payments to tradable assets instantly.

CoinPayments Alternative

CoinPayments takes 0.5% plus network fees. Limited to basic crypto acceptance.

Larecoin: Full ecosystem approach. Accept payments, manage inventory, generate NFT receipts, access liquidity pools, and operate a complete merchant portal – all in one platform.

Self-custody merchant accounts mean you control your funds. Always.

Triple-A Alternative

Triple-A focuses on enterprise. Complicated onboarding. Minimum volumes.

Larecoin: Built for businesses of all sizes. Coffee shops to corporations. Setup takes 3-5 minutes with just an email.

Technical Advantages That Actually Matter

NFT Receipts for Accounting

Every transaction generates an immutable blockchain record.

Tax authorities accept these. Auditors love them. Accountants save hours on reconciliation.

The NFT receipt includes:

• Timestamp (unchangeable)

• Transaction amount

• Wallet addresses

• Product/service details

• Exchange rates at transaction time

No more lost paper receipts. No disputes about transaction dates. Your entire financial history lives permanently on-chain.

LUSD Stablecoin Benefits

Volatility kills crypto adoption for merchants. Not with LUSD.

Larecoin supports LUSD – a decentralized stablecoin pegged to USD. Get the fee benefits of crypto with zero price fluctuation risk.

Why LUSD beats USDC or USDT:

Fully decentralized. No central authority can freeze your funds.

Collateral-backed by ETH. Transparent reserves you can verify on-chain.

Redeemable 1:1 for USD equivalent in crypto at any time.

Self-Custody Merchant Accounts

Traditional payment processors hold your money. They can freeze accounts. Delay payouts. Impose reserves.

Web3 flips this model.

You control the private keys. You control the funds.

Payments arrive directly in your wallet. No intermediary custody. No waiting periods. No arbitrary holds.

The Receivables Token Revolution

Larecoin pioneered receivables tokenization.

Here's how it works:

Customer pays you in crypto. You receive both the payment AND a receivables token representing that transaction.

That token is tradable. Sell it for instant liquidity. Use it as collateral for loans. Trade it on DEX platforms.

Real-world example:

B2B supplier issues 90-day payment terms. Instead of waiting three months for payment, tokenize the receivable and sell it for immediate cash at a small discount.

Your cashflow problem just disappeared.

Crypto POS System for Small Business

Brick-and-mortar merchants need point-of-sale integration.

Larecoin offers contactless POS terminals that accept:

• Bitcoin (BTC)

• Ethereum (ETH)

• Solana (SOL)

• LUSD stablecoin

• Larecoin (LARE) native token

Customers tap their crypto wallet. Transaction confirms in seconds. NFT receipt generates automatically.

No new hardware required. Mobile app turns any smartphone into a crypto payment terminal.

Implementation: Easier Than You Think

Step 1: Create account at larecoin.com – takes 2 minutes.

Step 2: Generate your merchant wallet addresses – automatic.

Step 3: Add payment buttons to your website or POS – copy-paste code snippet.

Step 4: Start accepting global payments – immediately.

Coffee shop processing $50,000 monthly saves $1,000 every month versus traditional 3% fees. That's $12,000 annually – enough to hire staff or upgrade equipment.

Beyond Fee Reduction: The Complete Picture

Instant Settlement

Funds arrive in minutes versus 2-3 day ACH transfers.

Improve cashflow. Pay suppliers same-day. No more float delays.

Chargeback Elimination

Blockchain transactions are final.

No fraudulent chargebacks. No $25-100 dispute fees. No merchandise loss.

Traditional merchants lose 0.47% of revenue to chargebacks annually. Web3 eliminates this entirely.

Global Reach Without Banking Dependencies

Serve customers in 200+ countries.

No correspondent banking networks. No international wire fees. No currency conversion losses.

Example: Customer in Japan pays you in SOL. Arrives in your wallet in 30 seconds. Convert to LUSD stablecoin immediately if you want USD stability.

Total cost: Network gas fee (typically $0.50-$2).

Traditional wire transfer: $45 sender fee + $25 receiver fee + 3% FX markup = $100+ on a $1,000 transaction.

Bank-Free Business Operations

Most revolutionary aspect? You don't need a business bank account.

Operate entirely on-chain. Accept payments. Pay suppliers. Manage payroll. All wallet-to-wallet.

Benefits:

No monthly account fees.

No minimum balance requirements.

No account freezes over "suspicious activity."

No discrimination against crypto or cannabis businesses.

Financial sovereignty. Complete.

The Numbers Don't Lie

Annual processing volume: $500,000

Traditional payment fees:

• 3% average = $15,000

• Chargebacks (0.47%) = $2,350

• Gateway fees = $360

• PCI compliance = $500 Total annual cost: $18,210

Larecoin Web3 payments:

• Gas fees (estimated) = $5,000

• Zero chargebacks = $0

• No gateway fees = $0

• No compliance costs = $0 Total annual cost: $5,000

Net savings: $13,210 (72.5% reduction)

What Other Platforms Won't Tell You

NOWPayments still uses percentage fees. Scales with transaction size.

CoinPayments lacks advanced features like receivables tokenization.

Triple-A targets enterprise only. Small businesses ignored.

Larecoin built the complete ecosystem.

Payment acceptance is just the beginning. Access our DEX. Trade in liquidity pools. Use FX calibration tools. Manage everything through one merchant portal.

Start Saving Today

Visit larecoin.com/pay to set up your merchant account.

Read the whitepaper for technical details.

Join the Larecoin community to connect with other merchants already slashing fees.

Stop bleeding money to payment processors.

Web3 global payments reduce merchant interchange fees by 50-70%.

The future of payments is here. Decentralized. Direct. Yours.