📒 Zero Clearing-Account Drift
Because XPayr never holds merchant funds, you never have to reconcile delayed T+3 processor withdrawals against historical order dates.
Audit-ready crypto accounting without custodial clearing accounts.
Traditional crypto processors commingle merchant balances, apply opaque FX spreads, and batch bank payouts days later — turning month-end close into spreadsheet guesswork. XPayr ties every invoice directly to its on-chain `tx_hash`, exact `99.5% / 0.5%` split, and USD spot timestamp.
🧾 QuickBooks, Xero & NetSuite Ready
Map gross invoice revenue, the flat 0.5% (50 bps) gateway fee, and underpayment tolerance variances into clean CSV or JSON sub-ledger imports.
🔎 Cryptographic Audit Bundles
Package immutable chain IDs, block numbers, token contracts, and explorer transaction hashes with `@xpayr/payment-evidence (v0.2.0)` for external auditors.
⚖️ Exact Variance Attribution
Exchange QR underpayments (within your 1% / max $0.50 rule) record both expected USD and exact received token units so zero cents go unexplained.
🌍 Multi-Chain Cost Basis Stamps
Capture UTC confirmation timestamps and fiat reference rates across TRON TRC-20, Base, Arbitrum, Polygon, Solana, Ethereum, and Circle Arc.
🤖 Automated MCP Finance Queries
Let finance copilots inspect session statuses, fee splits, and network metadata directly via `POST https://xpayr.com/api/mcp`.
Sample Double-Entry Journal — $1,000.00 B2B Invoice Paid in Base USDC
Every XPayr webhook and CSV row supplies the exact figures required for automated ERP posting:
| Account | Type | Debit (USD) | Credit (USD) | On-Chain Reference |
|---|---|---|---|---|
| 1040 · Self-Custody USDC Treasury (Base) | Asset | $995.00 | — | 99.5% net merchant settlement |
| 6120 · Payment Gateway Processing Fees | Expense | $5.00 | — | 0.5% (50 bps) XPayr fee |
| 4000 · SaaS / Product Revenue (INV-2048) | Revenue | — | $1,000.00 | chain_id=8453 · tx_hash=0x8f4e... |
Frequently Asked Questions — Crypto Accounting & Audits
How is a non-custodial XPayr payment booked in double-entry accounting?
Because XPayr settles on-chain without holding a processor clearing balance, a $1,000.00 USD invoice paid in USDC debits Digital Asset Treasury ($995.00 USDC) and Payment Gateway Expense ($5.00 — 0.5% XPayr fee), while crediting Accounts Receivable / Sales Revenue ($1,000.00) — all linked to a single immutable blockchain tx_hash.
Can our finance team test QuickBooks, Xero, and NetSuite exports before signing up?
Yes. Open our ungated Crypto Accounting & ERP Export Simulator (/tools/crypto-accounting-export-simulator) to generate downloadable QuickBooks CSV, Xero CSV, and NetSuite JSON journal entries with custom order volumes and fee splits right in your browser.
How do external auditors verify that on-chain receipts match merchant invoices?
Every settled XPayr session links the merchant order_id, USD benchmark timestamp, chain ID, token contract, payer/recipient wallet addresses, and blockchain tx_hash, verifiable offline with our open-source @xpayr/payment-evidence (v0.2.0) package.
How are minor exchange withdrawal underpayments accounted for?
When a buyer pays via Exchange QR within your configured underpayment tolerance (e.g., $99.60 received on a $100.00 invoice), XPayr records both the nominal invoice amount and exact received token delta so the $0.40 exchange fee variance books cleanly to Payment Variance Expense.