Choose XPayr as your Speed alternative when you want true self-custody, full Solana/L2/TRON stablecoin coverage, ES256 software licensing, and 21 MCP tools.
Gateway alternative · Speed (TrySpeed)
Outgrowing Speed custodial balances? Settle 99.5% straight to your own wallet.
Speed (TrySpeed) centers on custodial Lightning and USDT balances with fees scaling up to 1.0%. XPayr is 100% non-custodial from dollar one — routing 99.5% directly on-chain to your own Base, Arbitrum, Solana, TRON, Polygon, BSC, or Bitcoin wallet at a predictable flat 0.5% fee.
Choose based on the settlement model you actually want.
XPayr is usually better when
- SaaS, AI, and e-commerce teams wanting direct non-custodial USDC/USDT/EURC settlement.
- Developers building on Next.js (/plugins/nextjs), FastAPI (/plugins/python-fastapi), and MCP (/agent-commerce).
- Creators selling wallet-bound licenses at 0.5% (/license-kit).
Speed (TrySpeed) may still be better when
- Merchants specifically seeking a hosted Bitcoin Lightning custodial wallet dashboard.
Speed (TrySpeed) vs XPayr
| Need | Speed (TrySpeed) | XPayr |
|---|---|---|
| Custody model | Custodial Speed account balance. | 100% non-custodial — 99.5% settles immediately to your wallet. |
| Supported chains | BTC/Lightning + limited USDT rails. | Base, Arbitrum, Optimism, Polygon, BSC, Solana, TRON, ETH, BTC, Arc. |
| Gateway fee | Up to 1.0% checkout/withdrawal. | Flat 0.5% (50 bps); $0 XPayr withdrawal fee. |
| 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
Test live Dual Checkout & HMAC webhooks immediately on /sandbox with zero signup.
2
Connect your self-custodial EVM, Solana, TRON, and BTC wallets in XPayr.
3
Swap API session creation in under 15 minutes (/migrate).
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 Speed (TrySpeed) 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 Speed (TrySpeed)?
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 Speed (TrySpeed) 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.