Best Crypto Payment Processor | XPayr - Next-Generation Non-Custodial Gateway
Why Traditional Payment Processors Fall Short
As a business owner, you know the struggle of managing payments in today's complex market. High fees, frozen funds, delayed settlements — these are just a few of the pain points that can significantly impact your bottom line. For instance, consider an e-commerce store selling NFTs or digital products. The traditional payment processors like Stripe and PayPal often charge exorbitant fees (up to 3%+), hold funds for extended periods, and reject "high-risk" categories such as adult content or gambling.
Enter XPayr, the next-generation non-custodial crypto payment gateway that offers a flat 0.5% transaction fee, instant settlement, and multi-chain support across Ethereum, BSC, Polygon, and more. With XPayr, you can expand your customer base, reduce costs, and maintain control over your funds.
Key Features That Set XPayr Apart
Non-Custodial Architecture
XPayr's non-custodial design ensures that funds are directly transferred to your wallet via smart contract, eliminating the risk of holdbacks and chargebacks. This means you always retain control over your funds.
Instant Settlement
No more waiting for 1-5 business days to settle payments. With XPayr, transactions are completed instantly, ensuring real-time cash flow and faster revenue growth.
Multi-Chain Support
XPayr supports a wide range of blockchains including Ethereum, BSC, Polygon, Arbitrum, Avalanche, Optimism, and Solana. This flexibility allows you to accept payments in multiple cryptocurrencies without the hassle.
Developer-Friendly Tools
XPayr offers a powerful xpayr.js SDK for seamless integration with your existing projects, along with RESTful API v1 and HMAC-SHA256 webhook signatures for secure notifications. The hosted checkout page and embeddable payment widget make it easy to integrate XPayr into any website or application.
Enterprise-Grade Security
API key authentication, rate limiting, IP whitelisting, and audit logging further enhance security. XPayr ensures that your business remains protected from potential threats while providing a reliable payment gateway.
XPayr vs Traditional Payment Processors: A Comprehensive Comparison
| Feature | XPayr | Stripe/PayPal/BitPay |
|---|---|---|
| Fees | 0.5% | 2.9%+30¢, 3.49%+49¢, 1-2% |
| Settlement Time | Instant | 2-7 days, 1-3 days, 1-3 days |
| Chargebacks | None | Yes (traditional processors) |
| High-Risk Merchants | Accepted | Rejected/Restricted |
| Custodial | No (non-custodial) | Yes (custodial) |
| Fund Holds | Never | Up to 180 days (traditional processors) |
As shown in the comparison table, XPayr outperforms traditional payment processors on multiple fronts. With a flat fee structure and instant settlement, you can maximize your profits while minimizing costs. Additionally, accepting payments across multiple blockchains gives you greater flexibility to reach a wider audience.
Frequently Asked Questions
A: XPayr offers a flat 0.5% transaction fee, which is significantly lower than traditional processors like Stripe (2.9%+30¢) and PayPal (3.49%+49¢). This makes it an ideal choice for businesses looking to reduce costs without compromising on payment processing.
A: Yes, XPayr supports a wide range of blockchains including Ethereum, BSC, Polygon, Arbitrum, Avalanche, Optimism, and Solana. This multi-chain support allows you to offer payment options that cater to diverse customer needs.
A: With XPayr, transactions are settled instantly, providing real-time cash flow and ensuring your business remains liquid. This is a major advantage over traditional processors that often take 1-5 business days to settle payments.
A: Yes, XPayr ensures the highest level of security through API key authentication, rate limiting, IP whitelisting, and audit logging. These measures help protect your business from potential threats while providing a reliable payment gateway.