The Fastest Way to Slash Merchant Interchange Fees and Reclaim Your Financial Sovereignty

Interchange fees are killing your margins.

Every swipe. Every tap. Every online checkout. Traditional payment processors take their cut, often 2.5% to 3.5% per transaction. For high-volume merchants, that's thousands of dollars vanishing monthly.

Here's the truth: you don't have to accept this anymore.

Web3 payments are rewriting the rules. And Larecoin is leading the charge.

The Hidden Tax on Every Transaction

Traditional payment rails weren't designed for merchants. They were designed for banks.

Credit card networks like Visa and Mastercard set interchange rates. Processors add their markup. Payment gateways tack on additional fees. By the time your customer's $100 purchase settles, you're lucky to see $97.

The breakdown looks something like this:

• Interchange fees: 1.5% - 2.5%

• Processor markup: 0.2% - 0.5%

• Gateway fees: $0.10 - $0.30 per transaction

• Chargeback fees: $15 - $100 per dispute

For B2B merchants, the pain intensifies. Commercial and rewards cards carry even higher interchange rates. Some transactions cost 3%+ before you've paid a single employee.

Why Traditional Solutions Fall Short

Sure, you could switch to interchange-plus pricing. Get more transparency. Negotiate your processor markup.

But here's the problem: you're still playing their game.

Card networks control the base rates. You have zero leverage over interchange. Level 2/3 data processing helps B2B merchants qualify for lower rates, but requires complex implementation and ongoing compliance.

The savings? Marginal at best. Maybe 0.70% to 1.50% reduction if you're lucky.

Meanwhile, crypto-native payment solutions are delivering 50%+ fee reductions with instant settlement. No chargebacks. No middlemen extracting value from your business.

Enter Larecoin: Built for Merchant Freedom

Larecoin isn't just another crypto payment processor.

It's a complete financial sovereignty stack.

Core advantages:

• Transaction fees under 1% , often as low as 0.5%

• Instant settlement , no waiting 2-3 business days

• Zero chargebacks , blockchain transactions are final

• Self-custody options , your funds, your control

• NFT receipts , immutable transaction records

• LUSD stablecoin , volatility protection built-in

Traditional processors like NOWPayments and CoinPayments offer crypto acceptance. But they operate as custodians. They hold your funds. They control your access.

Larecoin flips this model.

The LUSD Stablecoin Advantage

Crypto volatility scares merchants. Understandable.

Bitcoin can swing 10% in a day. Ethereum isn't much better. Accepting volatile assets introduces risk most businesses can't stomach.

LUSD solves this.

Larecoin's native stablecoin maintains a 1:1 USD peg. Merchants receive payments in LUSD and maintain purchasing power stability. No more watching profits evaporate because BTC dropped overnight.

Key LUSD benefits:

• Pegged to USD , predictable value

• Low gas fees , affordable transfers

• Cross-chain compatibility , works across multiple networks

• Instant conversion , swap to other assets anytime

• Push-to-card functionality , off-ramp to traditional banking

Compare this to competitors. NOWPayments supports stablecoins but doesn't offer proprietary options with ecosystem-wide utility. CoinPayments provides multi-asset support but lacks the integrated stablecoin infrastructure.

LUSD isn't just a stablecoin. It's the settlement layer for a merchant-first ecosystem.

NFT Receipts: Beyond Traditional Record-Keeping

Every Larecoin transaction can generate an NFT receipt.

Sounds gimmicky? It's not.

NFT receipts create immutable, verifiable transaction records on the blockchain. No lost paperwork. No disputed invoices. No "he said, she said" during audits.

Practical applications:

• Tax documentation : instant proof of every transaction

• Warranty tracking : customers prove purchase dates forever

• Returns processing : eliminate receipt fraud entirely

• B2B verification : streamline accounts receivable

• Loyalty programs : tie rewards to verifiable purchase history

Traditional payment systems produce paper trails that can be altered, lost, or disputed. NFT receipts exist permanently on-chain. Timestamped. Verified. Indisputable.

For merchants processing high transaction volumes, this isn't a nice-to-have. It's operational infrastructure.

Self-Custody: The Foundation of Financial Sovereignty

Here's where most crypto payment processors fail merchants.

They operate custodially.

When you accept payments through NOWPayments or CoinPayments, those funds hit their wallets first. They control access. They set withdrawal limits. They can freeze accounts.

Sound familiar? It should. That's exactly how traditional banking works.

Larecoin offers true self-custody integration.

What this means for merchants:

• Funds settle directly to your wallet

• No third-party holding your revenue

• Instant access to every payment

• No account freezes or arbitrary limits

• Complete control over your financial operations

Self-custody isn't about ideology. It's about operational security.

When a payment processor controls your funds, they become a single point of failure. Regulatory pressure, banking partner issues, or simple technical problems can lock you out of your own money.

With Larecoin's self-custody model, you hold the keys. Your business operates independently of any centralized entity's decisions.

The 50%+ Fee Reduction Reality

Let's do the math.

A merchant processing $100,000 monthly through traditional payment rails pays approximately:

• Traditional fees (2.9% + $0.30/transaction): $3,200+ monthly

• Larecoin fees (0.5% average): $500 monthly

Monthly savings: $2,700+

Annual savings: $32,400+

That's not theoretical. That's actual margin recovery.

For high-volume merchants, the numbers scale dramatically. Process $1M monthly? You're looking at $27,000+ in monthly savings. That's $324,000 annually staying in your business instead of feeding payment processors.

Implementation: Faster Than You Think

Traditional payment optimization takes months. Interchange-plus negotiations. Level 2/3 data implementation. Hardware upgrades. Compliance certifications.

Larecoin integration takes days.

Getting started:

1. Visit larecoin.com

2. Set up your merchant wallet

3. Integrate payment widget or API

4. Start accepting Web3 payments

5. Watch fees plummet

No complex negotiations. No processor approvals. No waiting for banking partners.

The Larecoin ecosystem supports immediate deployment for online merchants. In-store solutions leverage existing smartphone and tablet hardware.

Why Competitors Can't Match This

NOWPayments offers competitive crypto processing. CoinPayments has broad asset support.

Neither provides the complete sovereignty stack.

Feature	Larecoin	NOWPayments	CoinPayments
Self-custody	✓	Limited	Limited
Native stablecoin	✓ (LUSD)	✗	✗
NFT receipts	✓	✗	✗
Sub-1% fees	✓	Variable	Variable
Push-to-card	✓	Limited	Limited

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

Larecoin was built from the ground up for merchant financial sovereignty. Competitors adapted existing custodial models to crypto. The gap shows in every feature comparison.

Your Money, Your Rules

Interchange fees represent a tax on commerce.

Every percentage point extracted by payment processors is margin that could fund growth, pay employees, or improve products. Traditional systems make this extraction invisible: buried in complex fee schedules and opaque processing statements.

Web3 payments make costs transparent. Larecoin makes them minimal.

Financial sovereignty isn't just about holding your own keys. It's about operating a business without permission from banking intermediaries. It's about instant settlement instead of float periods. It's about verifiable records instead of disputed paperwork.

The fastest way to slash interchange fees?

Stop paying them entirely.

Join the Larecoin community and discover what merchant-first payments actually look like.

Your margins will thank you.