Dual Checkout Architecture · Web3 + Exchange QR

One Crypto Checkout for Every Buyer: 1-Click Wallet + Exchange QR.

Wallet-only gateways lose 50%+ of buyers who keep USDT or USDC on Binance, Bybit, OKX, or Kraken. QR-only gateways frustrate MetaMask, Rabby, Phantom, and TronLink power users with manual copy-paste. XPayr unites both inside a single non-custodial session at a flat 0.5% fee.

Launch Dual Checkout Free ⚡ Interactive Testnet Simulator 🧮 Tolerance Calculator (#17) 📘 UX Engineering Guide
99.5% / 0.5%Atomic direct merchant wallet settlement
6 SecondsMulti-chain RPC & Explorer auto-polling
1% (≤$0.50)Exchange withdrawal fee tolerance engine
12+ RailsTRON, Base, Arbitrum, Solana, Polygon, BNB, Arc

Inspect Both Buyer Flows Side-by-Side

1. Buyer Selects Chain & Clicks Connect Wallet

Automatically switches EVM Chain ID (Base, Arbitrum, Polygon, BNB, Ethereum, Circle Arc), Solana cluster, or TRON network without address copy-paste errors.

2. Atomic Smart-Contract Split Execution

The non-custodial XPayr router dispatches 99.5% directly to your merchant wallet and 0.5% gateway fee in a single atomic transaction (with optional ERC-2612 Gasless Permit sponsorship).

3. Instant TxHash Receipt & Signed Webhook

Order confirms in 1–3 seconds on L2/Solana and triggers a signed payment.completed HMAC-SHA256 webhook plus redirect to success_url.

Live Webhook Payload Preview (Web3 Mode)

Verified via X-XPayr-Signature HMAC-SHA256 header across Node.js, PHP, Python, Go, and n8n.

{
  "event": "payment.completed",
  "session_id": "sess_live_98f21a4c",
  "checkout_mode": "web3_one_click",
  "network": "base-mainnet",
  "currency": "USDC",
  "invoice_amount": "100.00",
  "received_amount": "100.00",
  "merchant_net_amount": "99.50",
  "gateway_fee_amount": "0.50",
  "tx_hash": "0x84d9f1a7c3e2b091...49e1",
  "metadata": {
    "order_id": "ORD-2026-8841"
  }
}
🔬 Test HMAC Signatures 🎨 Embed Pay Button
Zero Wrong-Network Losses

Explicit Chain Guardrails

Clear TRC-20 vs ERC-20 vs BEP-20 vs Solana badges, network warning banners, and URI encoding prevent buyers from sending stablecoins on unsupported chains.

Hosted, Modal, or API

3 Deployment Surfaces

Redirect to hosted /pay/{session} links, open an in-page overlay via xpayr-pay-button.js, or build a custom headless UI on POST /api/v1/payments (compare surfaces).

Dual Checkout — Frequently Asked Questions

What is XPayr Dual Checkout and why does it increase conversion rates?

Over half of global retail and B2B stablecoin buyers hold USDT or USDC inside centralized exchanges (Binance, Bybit, OKX, Coinbase) or mobile hardware wallets rather than browser extensions. XPayr Dual Checkout lets browser-wallet users pay in 1 click via Web3 smart-contract routing while letting exchange and mobile users scan a QR code or paste an address in the exact same session.

What happens if an exchange deducts a small withdrawal fee from the buyer transfer?

XPayr includes a built-in underpayment tolerance engine (configurable up to 1%, capped at $0.50 USD). When an exchange sender transfers $99.60 on a $100.00 invoice due to a $0.40 network fee deduction, XPayr automatically accepts the session and fires a signed payment.underpaid_accepted webhook with exact received_amount accounting.

How fast does Direct Exchange QR verification detect incoming blockchain transfers?

XPayr runs a 6-second background multi-chain verification loop across EVM RPCs & Etherscan V2, TRON Tronscan/TronGrid, and Solana JSON-RPC, plus an optional instant Customer TxID paste box for immediate on-chain receipt lookup.

Does XPayr hold funds during either Web3 1-Click Pay or Direct Exchange QR mode?

No. XPayr is 100% non-custodial across both modes. Confirmed funds settle directly to your configured merchant wallet address without processor balance pools or withdrawal delays.