Stop Wasting Money on Interchange Fees: Try These 5 Quick Hacks for Small Business Crypto POS Systems

Interchange fees are killing your margins.

Every swipe. Every tap. Every transaction. The credit card networks take their cut. We're talking 2-3% on every single sale. For a small business doing $500K annually? That's $10,000-$15,000 straight out of your pocket.

Gone.

But here's the thing. Crypto POS systems are flipping the script entirely. No middlemen. No card networks. No ridiculous processing fees eating into your profits.

Let's break down five quick hacks to slash those interchange fees and take back control of your payments.

Hack #1: Bypass Credit Card Networks Completely

This one's obvious. But most merchants still haven't made the switch.

Accept crypto. Skip the interchange fees entirely.

When a customer pays with Bitcoin, Ethereum, or stablecoins: Visa and Mastercard aren't involved. Their 2.5% interchange fee? Irrelevant. Their chargeback disputes? Gone.

Traditional payment processors like Square and Stripe built their empires on top of the card networks. They're just middlemen on top of middlemen.

Crypto POS systems cut straight to peer-to-peer.

The savings breakdown:

• Credit card processing: 2.5-3.5% + $0.10-0.30 per transaction

• Crypto payments: Often under 1%

• Larecoin ecosystem: Minimal gas-only transfers

That's real money back in your register.

NOWPayments charges around 1% after you hit volume thresholds. CoinPayments operates similarly. But both still function as intermediaries handling your funds.

The real hack? Self-custody solutions where YOU control the funds from the moment they hit your wallet.

Hack #2: Embrace Stablecoins for Zero Volatility Risk

"But crypto is too volatile for my business."

Fair point. Bitcoin swinging 10% in a day isn't exactly comforting when you need to pay suppliers.

Enter stablecoins.

LUSD and other dollar-pegged assets give you the best of both worlds. Crypto rails. Dollar stability. No conversion anxiety.

Here's why this matters for interchange fee savings:

Stablecoin transactions still bypass traditional card networks. You're still avoiding that 2-3% cut. But you're not exposed to price fluctuations between the time of sale and when you need to spend those funds.

Quick comparison:

Payment Method	Fees	Volatility Risk	Settlement Time
Credit Cards	2.5-3.5%	None	1-3 days
Bitcoin	<1%	High	Minutes
LUSD/Stablecoins	Minimal	None	Instant

The Larecoin ecosystem supports stablecoin payments directly. Customers pay. You receive stable value. No conversion fees. No waiting for settlement.

Hack #3: Go Self-Custody and Own Your Money

This is where most crypto payment processors fail.

NOWPayments? They hold your funds. CoinPayments? Same deal. You're trusting a third party with YOUR revenue.

Sound familiar? It's the same model as traditional payment processors. Just with crypto.

Self-custody changes everything.

When payments go directly to YOUR wallet, you're not waiting for someone else to release your funds. No withdrawal limits. No account freezes. No "pending review" holding up your cash flow.

Why self-custody matters for small businesses:

• Instant access to funds

• No withdrawal fees

• No third-party risk

• True financial independence

The Larecoin approach puts merchants first. Your keys. Your crypto. Your business.

This is what decentralized payments actually look like. Not just using crypto: but using it the way it was designed. Peer-to-peer. Trustless. Permissionless.

Hack #4: NFT Receipts for Transparent Record-Keeping

Here's an innovative twist most merchants haven't considered.

NFT receipts.

Every transaction generates a verifiable, immutable receipt on-chain. Not just a paper trail: a permanent digital record that can't be altered, lost, or disputed.

Why this matters for fee reduction:

Chargebacks cost businesses billions annually. The credit card dispute process is broken. Customer claims they never received goods? Your word against theirs. And the card networks almost always side with the consumer.

NFT receipts flip that dynamic.

• Timestamped proof of purchase

• Verifiable on blockchain

• Customer can't dispute a recorded transaction

• No chargeback fees (because no chargebacks)

Traditional processors charge $15-100 per chargeback dispute. Even if you win. That's on TOP of interchange fees.

Larecoin's NFT receipt system creates accountability on both sides. Transparent. Verifiable. Permanent.

Hack #5: Choose the Right Crypto POS Platform

Not all crypto payment solutions are created equal.

Let's break down what actually matters when selecting a platform for your small business.

NOWPayments

Popular choice. Supports 250+ cryptocurrencies. Pricing starts around 0.5% and scales based on volume. Decent option for businesses already comfortable with crypto.

The downside? Custodial model. They hold your funds until you withdraw. Fees compound when converting to fiat.

CoinPayments

Been around since 2013. Supports 2,000+ coins. Similar fee structure to NOWPayments. Offers invoicing and POS plugins for major e-commerce platforms.

Same problem though. Third-party custody. Your revenue sits in their system until you move it.

Larecoin Ecosystem

Different approach entirely.

• Gas-only transfers (minimal fees)

• Self-custody from moment of payment

• LUSD stablecoin integration

• NFT receipt functionality

• Web3-native architecture

The Larecoin platform was built for merchant independence. Not another middleman extracting value from your transactions.

Implementation: Getting Started Today

Switching to crypto POS doesn't require a complete business overhaul.

Step 1: Set up a self-custody wallet

Hardware wallet or secure software wallet. Your choice. But make sure YOU control the private keys.

Step 2: Display QR codes at checkout

No expensive terminal required. Customers scan. Payment confirmed in seconds.

Step 3: Offer stablecoin options

Give customers flexibility. Accept LUSD, USDC, or other stablecoins alongside Bitcoin and Ethereum.

Step 4: Track with NFT receipts

Every transaction recorded on-chain. Automatic. Permanent. Dispute-proof.

Step 5: Monitor your savings

Compare monthly processing costs. You'll see the difference immediately.

The Merchant Freedom Mindset

This isn't just about saving money on fees.

It's about independence.

Traditional payment systems were built to extract value from every transaction. Interchange fees fund massive corporate infrastructures that don't benefit your business.

Decentralized crypto payments flip the model. Direct. Transparent. Merchant-controlled.

Small businesses have operated at the mercy of card networks for decades. Credit card acceptance wasn't optional: it was survival. And the fees were the cost of doing business.

Not anymore.

Crypto POS systems give merchants a real alternative. Lower fees. Faster settlement. True ownership of funds.

Bottom Line

Interchange fees drain small business profits. Every. Single. Day.

The five hacks:

1. Bypass card networks : Accept crypto directly

2. Use stablecoins : LUSD for stability without volatility

3. Self-custody : Own your funds from payment to payout

4. NFT receipts : Eliminate chargeback disputes

5. Choose wisely : Platform matters for long-term savings

The technology exists. The infrastructure is ready. The only question is whether you'll keep paying 3% on every transaction: or take back control.

Ready to explore crypto payments for your business? Check out Larecoin's ecosystem and see what merchant freedom actually looks like.

Your margins will thank you.