Choose by operating model, not just feature count.
Switch when you want 100% non-custodial EURC/USDC/USDT direct wallet settlement, 0.5% fees, and instant developer Testnet onboarding.
Gateway comparison
XPayr vs Confirmo
A direct comparison for merchants evaluating crypto checkout, wallet settlement, stablecoin rails, fees, API/webhooks, testnet evaluation, and operational payment records.
Fee comparison needs context.
Confirmo is a European custodial crypto payment processor charging ~0.8% invoicing fee plus settlement/FX fees, designed around custodial merchant accounts and SEPA/SWIFT payouts.
XPayr charges a flat 0.5% gateway fee per successful transaction before network gas, swap, bridge, or third-party route costs.
Confirmo pricing overviewWhere each platform fits
| Decision area | XPayr | Confirmo |
|---|---|---|
| Custody & settlement | 100% non-custodial; 99.5% settles on-chain to your wallet in USDC, EURC, or USDT. | Custodial processor balance with scheduled crypto or fiat payouts. |
| Gateway fee | Flat 0.5% (50 bps) per confirmed transaction; $0 withdrawal fee. | ~0.8% invoicing fee plus applicable payout/FX conversion fees. |
| AI & ERP tooling | QuickBooks/Xero/NetSuite CSV/JSON exports + 21-tool MCP & HTTP 402 kit. | Prop-trading, forex, and e-commerce custodial dashboard tools. |
| Best buyer | Self-custodial SaaS, prop/trading platforms, AI products, and B2B exporters. | Merchants requiring custodial SEPA bank settlement. |
| AI Agent & MCP Server Integration | Official 21-tool Model Context Protocol server (@xpayr/mcp-server on NPM & Official Anthropic MCP Registry io.github.xpayrcom/xpayr-mcp-server), OpenAPI 3.1.0 playground (api-docs.xpayr.com), and policy-controlled AI agent commerce. | Check official provider documentation for current AI agent or MCP protocol support. |
When XPayr is the cleaner choice
XPayr cuts per-invoice gateway fees to 0.5% (saving 37.5% vs 0.8%), settles 99.5% directly on-chain to your own USDC/EURC/USDT wallet with zero custodial account risk, and provides instant self-serve Testnet keys.
- Prop firms, trading platforms (/solutions/trading-platforms), SaaS, and B2B exporters keeping self-custodial USDC/EURC/USDT.
- Finance teams exporting double-entry CSV/JSON journals (/accounting).
- Engineering teams wanting instant self-serve Testnet keys and 21 MCP tools.
When Confirmo may still win
Confirmo fits domestic European enterprises that require custodial EUR bank wire settlements rather than holding stablecoins.
- European businesses that require custodial EUR SEPA bank wire settlements instead of stablecoin custody.
Questions before choosing
Is XPayr cheaper than Confirmo?
XPayr charges a flat 0.5% gateway fee per successful payment before chain gas or route costs. The right comparison depends on the competitor flow, conversion settings, network fees, settlement model, and merchant volume.
When should a merchant choose XPayr?
XPayr cuts per-invoice gateway fees to 0.5% (saving 37.5% vs 0.8%), settles 99.5% directly on-chain to your own USDC/EURC/USDT wallet with zero custodial account risk, and provides instant self-serve Testnet keys.
When might Confirmo still be better?
Confirmo fits domestic European enterprises that require custodial EUR bank wire settlements rather than holding stablecoins.
Does XPayr support AI agents and the Model Context Protocol (MCP) compared with Confirmo?
Yes. XPayr provides an official 21-tool MCP server (@xpayr/mcp-server on NPM and io.github.xpayrcom/xpayr-mcp-server on the Official Anthropic MCP Registry) plus policy-controlled AI agent payment intents with human-in-the-loop approval guardrails.