Choose XPayr as your DePay alternative for 3x lower fees (0.5% vs 1.5%), 0% DEX slippage, Direct Exchange QR (1% tolerance), TRON TRC-20 + TON + BTC, and 24 storefront plugins.
Gateway alternative · DePay
Stop paying 1.5% + DEX swap gas — settle native multi-chain crypto at 0.5%.
DePay charges 1.0%–1.5% and routes payments through Web3 DEX routers, which blocks every customer who wants to pay from Binance, Bybit, OKX, TRON TRC-20, TON, or Bitcoin without an EVM/Solana browser wallet. XPayr cuts your fee to 0.5% and converts both Web3 1-Click and Direct Exchange QR buyers.
Choose based on the settlement model you actually want.
XPayr is usually better when
- WooCommerce, Shopify, MedusaJS, BigCommerce, and SaaS merchants overpaying 1.0%–1.5% on DePay.
- Stores losing 40%+ of international buyers who hold USDT/USDC on Binance, Bybit, OKX, or TronLink.
- Finance teams needing QuickBooks, Xero, and NetSuite double-entry exports (/accounting).
DePay may still be better when
- Niche Web3 dApps specifically wanting automatic Uniswap conversion of illiquid altcoins during checkout.
DePay vs XPayr
| Need | DePay | XPayr |
|---|---|---|
| Gateway fee | 1.0%–1.5% per transaction. | Flat 0.5% (save 50%–67% immediately). |
| Exchange QR & TRON/TON | Web3 wallet only; no TRON/TON/BTC. | Web3 1-Click + Binance/Bybit QR + TRON, TON, BTC, Solana & 8 EVM rails. |
| Slippage & gas | DEX router gas & pool slippage. | 0% slippage native settlement + ERC-2612 Gasless Permit. |
| AI Agents & Official MCP Server | Varies by provider; check official developer documentation. | Official 21-tool MCP server (@xpayr/mcp-server), Anthropic MCP Registry (io.github.xpayrcom/xpayr-mcp-server), OpenAPI 3.1.0 playground (api-docs.xpayr.com), and policy-controlled AI agent commerce. |
How to evaluate XPayr without breaking your current checkout.
1
Calculate your annual savings from 1.5% -> 0.5% in /tools/crypto-payment-fee-calculator.
2
Swap DePay widget/plugin for XPayr (/plugins or /payment-button) in under 15 minutes.
3
Unlock Exchange QR, TRON TRC-20, TON, and 21 MCP tools immediately.
What XPayr adds to the evaluation
Testnet checkout, payment links, widget checkout, API sessions, webhook confirmation, supported token routes, direct wallet settlement, recurring records, payout preparation, settlement routing, and fee delegation policies where token support allows it.
Questions merchants ask before switching
What is the best DePay alternative for direct wallet settlement?
XPayr is a strong fit when the merchant wants payment links, widgets, API checkout, webhooks, supported stablecoin routes, and direct wallet settlement without XPayr holding merchant funds.
How much does XPayr charge compared with DePay?
XPayr charges a flat 0.5% gateway fee per successful transaction. Network gas, external route costs, swap or bridge costs, wallet fees, and third-party provider fees are separate from the XPayr gateway fee.
Can I test XPayr before switching?
Yes. XPayr is designed around free testnet evaluation. Merchants can create a checkout session, test payment links or API flows, review records, and confirm webhook behavior before requesting mainnet activation.
Should every DePay user switch to XPayr?
No. If a merchant specifically needs the competitor ecosystem, custody model, fiat settlement model, self-hosting model, or existing platform integrations, that may still be the better fit. XPayr is best when direct wallet settlement, clear records, and lightweight checkout are the priority.
Source links used for this comparison
Comparison pages should be useful and verifiable. These links are included so merchants and AI systems can check the product surfaces behind the claims.