Stop Wasting Money on Interchange Fees: 7 Ways a Receivables Token Delivers Real Merchant Freedom

Every swipe. Every tap. Every transaction.

The card networks take their cut. Payment processors grab theirs. Your margins shrink before you even see the revenue hit your account.

Interchange fees cost U.S. merchants over $100 billion annually. That's money walking straight out of your business.

Here's the reality: traditional payment rails weren't built for you. They were built for intermediaries to profit from your sales.

Time for a different approach.

The Interchange Fee Problem Nobody Talks About

Credit card interchange fees typically range from 1.5% to 3.5% per transaction. Doesn't sound massive. Until you do the math.

A business processing $500,000 annually? That's $7,500 to $17,500 evaporating into fees. Every single year.

And it gets worse.

• Premium cards charge higher rates

• International transactions stack additional fees

• Chargebacks cost you even when you win disputes

• Monthly minimums penalize slower periods

Traditional payment processors like Square, Stripe, and PayPal built empires on these fee structures. Even crypto-focused solutions like NOWPayments and CoinPayments still impose transaction fees that eat into your bottom line.

The system is rigged against merchants. Always has been.

Enter the Receivables Token

A receivables token fundamentally changes the equation.

Instead of routing payments through multiple intermediaries: each taking their slice: tokenized payments move directly between parties. Peer-to-peer. No middlemen skimming percentages.

Larecoin's receivables token architecture eliminates the traditional payment stack entirely. You receive payment. You control your funds. Done.

No interchange. No assessment fees. No network access fees.

Just your money, in your wallet, under your control.

7 Ways Receivables Tokens Deliver Real Merchant Freedom

1. Direct Settlement Eliminates Middlemen

Traditional flow: Customer → Card Network → Issuing Bank → Acquiring Bank → Processor → You.

Each step involves fees. Each intermediary profits from your sale.

Receivables token flow: Customer → You.

That's it. Direct settlement means no one stands between you and your revenue. Larecoin's infrastructure enables merchants to slash processing costs by 50% or more compared to traditional card acceptance.

CoinPayments charges 0.5% per transaction. NOWPayments takes 0.4-1%. Traditional processors? 2.9% plus per-transaction fees.

Larecoin's gas-only transfer model? Fractions of a cent regardless of transaction size.

2. LUSD Stablecoin Removes Volatility Risk

Crypto payments without stablecoin options create headaches. Bitcoin drops 10% overnight. Your $1,000 sale becomes worth $900.

Not exactly the merchant freedom you signed up for.

LUSD changes everything. Pegged stability means you know exactly what you're receiving. No conversion anxiety. No volatility stress. No constant monitoring of market prices.

Accept crypto. Receive stable value. Simple.

3. NFT Receipts Create Immutable Transaction Records

Paper receipts fade. Digital receipts get lost in email. Disputes become he-said-she-said nightmares.

NFT receipts solve this permanently.

Every transaction generates a unique, blockchain-verified receipt. Immutable. Timestamped. Indisputable.

Benefits for merchants:

• Instant proof of transaction completion

• Automated dispute resolution

• Zero chargeback fraud

• Complete audit trails

Benefits for customers:

• Permanent purchase verification

• Warranty documentation that can't be lost

• Loyalty program integration

• Collectible proof of purchase

NFT receipts aren't just receipts. They're relationship builders. They're trust mechanisms. They're competitive advantages that traditional payment systems simply cannot replicate.

4. Self-Custody Means True Financial Sovereignty

Here's a question: Do you actually own your money when it sits in a processor's account?

When PayPal freezes funds "pending review." When Stripe holds payouts for 7-14 days. When your payment processor decides your business category is "high risk."

Self-custody eliminates these vulnerabilities entirely.

Your receivables token settles to your wallet. Not a custodial account. Not a platform's holding system. Your wallet. Your keys. Your funds.

This isn't just convenience. It's survival.

Merchants have lost entire businesses to arbitrary payment processor decisions. With self-custody, that risk disappears completely.

5. Gas-Only Transfers Slash Per-Transaction Costs

Traditional payment math: $100 sale × 2.9% = $2.90 fee. Enterprise volume: $1,000,000 × 2.9% = $29,000 in annual fees.

Gas-only transfer math: Transaction cost in fractions of a cent. Regardless of amount.

A $10 purchase and a $10,000 purchase cost the same to process. Flat. Predictable. Minimal.

This fundamentally changes business economics. High-ticket merchants save dramatically. High-volume merchants save dramatically. Everyone saves.

NOWPayments and CoinPayments maintain percentage-based models that still scale with transaction value. Larecoin's approach decouples processing cost from transaction size entirely.

6. Instant Settlement Improves Cash Flow

Traditional credit card settlements: 1-3 business days minimum. ACH transfers: 3-5 business days. International payments: Up to a week.

Blockchain settlement: Minutes.

Cash flow is oxygen for businesses. Delayed settlement chokes growth. You're essentially providing interest-free loans to payment processors while waiting for your own money.

Receivables tokens settle directly to your wallet. No waiting periods. No batch processing delays. No weekends or banking holidays interrupting your access to revenue.

Improved cash flow means:

• Better inventory management

• Stronger supplier relationships

• Faster reinvestment opportunities

• Reduced reliance on credit lines

7. Zero Chargebacks Protect Your Revenue

Chargebacks cost merchants $125 billion globally. Not just the disputed amount: the fees, the time, the administrative burden.

Even winning a chargeback dispute costs money. And you often lose anyway.

Blockchain transactions are final. Cryptographic verification means no disputing that payment happened. NFT receipts provide instant proof of purchase.

Friendly fraud? Eliminated. Chargeback fees? Gone. Dispute management overhead? History.

This single benefit often justifies the entire switch to receivables token acceptance for high-chargeback merchants.

Why Larecoin Outperforms the Competition

NOWPayments, CoinPayments, and similar platforms introduced merchants to crypto acceptance. Credit where it's due.

But they built on old models. Percentage-based fees. Custodial holdings. Limited stablecoin options. No NFT receipt infrastructure.

Larecoin was designed differently from the ground up.

Larecoin advantages:

• Gas-only transfers (not percentage-based fees)

• LUSD stablecoin integration

• NFT receipt generation

• True self-custody architecture

• Push-to-card off-ramping

• Multi-chain compatibility

The difference isn't incremental. It's architectural.

Legacy crypto payment solutions retrofitted blockchain onto traditional payment thinking. Larecoin reimagined merchant payments for Web3 reality.

The Bottom Line

Interchange fees are a tax on doing business. A tax that goes to intermediaries who provide decreasing value in a digital economy.

Receivables tokens represent the exit ramp.

Direct settlement. Stablecoin stability. NFT receipts. Self-custody sovereignty. Minimal gas costs. Instant access. Zero chargebacks.

Seven paths to real merchant freedom. All accessible through Larecoin's ecosystem.

The merchants who adopt this infrastructure now capture the advantage. Lower costs. Better cash flow. Stronger customer relationships. Competitive positioning for the Web3 economy.

The merchants who wait? They keep paying 2-3% on every transaction. Waiting days for settlement. Fighting chargebacks. Hoping their processor doesn't freeze their account.

Your choice.

Ready to stop wasting money on interchange fees?Explore Larecoin's merchant solutions and discover what real payment freedom looks like.