The Simple Trick to Slash Merchant Interchange Fees by 50% Right Now (No Bank Account Required)

Interchange fees are bleeding your business dry.

Every swipe. Every tap. Every online checkout. You're handing over 2.5% to 3.5% of your revenue to card networks and middlemen who do nothing but shuffle numbers around.

For a business doing $50,000 monthly? That's $1,250 to $1,750 vanishing into thin air. Every. Single. Month.

Here's the thing. You don't need to negotiate with banks. You don't need fancy payment terminals. You don't even need a traditional bank account.

The trick? Web3 payment rails with stablecoin settlement.

Let's break it down.

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Why Traditional Interchange Fees Are a Scam

Credit card processing involves way too many hands in the cookie jar:

• Issuing banks take their cut

• Card networks (Visa, Mastercard) grab their share

• Payment processors layer on fees

• Acquiring banks want a piece too

By the time your customer pays $100, you're lucky to see $97.

And what do you get for that $3 haircut? Chargebacks. Frozen funds. Delayed settlements. Rules that change whenever they feel like it.

Traditional processors like to pretend "interchange-plus pricing" is revolutionary. Sure, it might save you 20-40% on processing fees. But you're still playing their game. Still dependent on their systems. Still waiting days for your money.

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The 50% Fee Slash: Web3 Payments With LUSD

Here's where Larecoin changes everything.

Instead of routing payments through five different intermediaries, Web3 payments go direct. Customer to merchant. Wallet to wallet. No middlemen skimming off the top.

With LUSD, Larecoin's stablecoin pegged 1:1 to the US dollar, you get:

• Sub-1% transaction fees (compared to 2.9%+ with cards)

• Instant settlement (not 2-3 business days)

• Self-custody (your funds, your control)

• No chargebacks (transactions are final)

• No bank account required (just a digital wallet)

Do the math. Going from 2.9% to under 1% is a 65%+ reduction in payment processing costs. That's not marketing fluff. That's real money back in your pocket.

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How It Stacks Up Against NOWPayments and CoinPayments

You've probably heard of NOWPayments and CoinPayments. They're decent options for accepting crypto. But they come with strings attached.

NOWPayments

• Requires KYC verification

• 0.5% fee sounds great until you factor in conversion fees

• Custodial model, they hold your funds

• Limited stablecoin options

• Settlement delays for fiat withdrawals

CoinPayments

• 0.5% base fee plus additional conversion fees

• Custodial wallet (your keys? not really)

• Complex fee structure for different coins

• Withdrawal limits and processing times

• Less flexibility for self-custody enthusiasts

Larecoin's Approach

• True self-custody: Your wallet, your keys, your coins

• LUSD stability: No volatility anxiety, it's pegged to USD

• Gas-only transfers: Minimal fees, maximum value

• NFT receipts: On-chain proof for every transaction

• Push-to-card: Need fiat? Convert when YOU want

The difference? NOWPayments and CoinPayments are still acting like traditional payment processors. Just with crypto instead of cards.

Larecoin gives you actual merchant freedom.

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Self-Custody: Why It Matters More Than You Think

When you use custodial payment processors, you're trusting someone else with your money.

Sound familiar? That's exactly how traditional banking works. And we've all seen how that can go wrong.

Self-custody means:

• No frozen accounts because someone flagged a transaction

• No withdrawal limits imposed by a third party

• No waiting for business days or approval processes

• No middlemen who can decide you're "too risky"

With Larecoin, payments settle directly to your wallet. You control the private keys. You decide when and how to convert to fiat. You're not asking permission to access your own revenue.

For merchants tired of playing by someone else's rules? This is liberation.

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NFT Receipts: The Accounting Game-Changer

Here's something NOWPayments and CoinPayments can't touch.

Every Larecoin transaction can generate an NFT receipt, an immutable, on-chain record of the payment.

Why does this matter?

• Audit-proof documentation: Every transaction is permanently recorded on the blockchain

• No lost receipts: Digital, searchable, always accessible

• Customer disputes: Timestamped, verifiable proof of payment

• Tax compliance: Clear records that accountants actually understand

• Business intelligence: Track transaction history with blockchain precision

Traditional receipts get lost. Paper fades. Email records get deleted. PDFs can be altered.

NFT receipts are permanent. Tamper-proof. Blockchain-verified.

For business accounting? It's the upgrade you didn't know you needed.

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No Bank Account? No Problem.

This is the part that trips people up.

Traditional payment processing requires:

• Business bank account

• Merchant account application

• Credit checks

• Processing history reviews

• Reserve requirements

Get rejected? Good luck. You're stuck with cash-only or high-risk processors charging 5%+ fees.

Larecoin's Web3 payment ecosystem works differently.

You need:

1. A digital wallet (free to set up)

2. That's it

No credit checks. No bank relationships. No approval committees deciding if your business is worthy.

Sole proprietors. International merchants. New businesses with no processing history. Entrepreneurs in underbanked regions.

All welcome. All equal access.

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The Step-by-Step: Getting Started Today

Ready to cut those interchange fees in half?

Step 1: Set up a self-custody wallet compatible with the Larecoin ecosystem

Step 2: Generate your merchant receiving address for LUSD payments

Step 3: Add crypto payment options to your checkout (online or in-store)

Step 4: Receive payments directly: no waiting, no middlemen

Step 5: Convert to fiat via push-to-card when needed, on your schedule

Total setup time? Under an hour.

Compare that to the weeks (or months) of paperwork for traditional merchant accounts.

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Real Numbers, Real Savings

Let's run the scenario.

Monthly revenue: $25,000

Traditional card processing (2.9% + $0.30): ~$750/month in fees

Larecoin LUSD payments (sub-1%): ~$250/month in fees

Monthly savings: $500

Annual savings: $6,000

That's money you could reinvest in inventory. Marketing. Hiring. Growth.

Or just keep it as profit. Your call. It's your money.

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The Bottom Line

Interchange fees aren't some unavoidable cost of doing business.

They're a choice.

You can keep paying 2.5-3.5% to card networks and processors who add complexity without adding value.

Or you can switch to Web3 payment rails with LUSD stablecoin settlement and keep more of what you earn.

Self-custody. Sub-1% fees. NFT receipts. No bank account required.

The infrastructure exists. The technology works. The savings are real.

The only question: How much longer will you pay the old way?

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Ready to slash your payment processing costs? Explore the Larecoin ecosystem and take back control of your revenue.