Choose by operating model, not just feature count.
Switch when you want zero processor balance custody, predictable flat 0.5% pricing without withdrawal fees, and modern OpenAPI 3.1 / MCP agent automation.
Gateway comparison
XPayr vs CryptoCloud
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.
CryptoCloud advertises processing fees from ~0.4%–1.9% depending on project configuration and withdrawal/network costs, operating an account-balance processor dashboard from which merchants withdraw funds.
XPayr charges a flat 0.5% gateway fee per successful transaction before network gas, swap, bridge, or third-party route costs.
CryptoCloud official pricing & overviewWhere each platform fits
| Decision area | XPayr | CryptoCloud |
|---|---|---|
| Custody & withdrawals | 100% non-custodial — 99.5% settles straight to your own wallet immediately. | Account-balance gateway requiring outbound withdrawals from processor wallets. |
| Fee predictability | Flat 0.5% (50 bps) gateway fee; $0 XPayr withdrawal fee. | 0.4%–1.9% tiered structure plus outbound withdrawal/conversion charges. |
| Developer & AI stack | OpenAPI 3.1.0, Node/PHP SDKs, ES256 License Kit, 21-tool MCP & Google A2A. | REST API, CMS modules, and hosted invoice links. |
| Best buyer | Global SaaS, hosting, AI, and e-commerce teams prioritizing direct self-custody. | Stores comfortable holding balances inside a third-party gateway dashboard. |
| 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 eliminates processor-held account balances altogether by settling 99.5% directly to your own wallet on every confirmation, charges a predictable flat 0.5% with $0 withdrawal fees, and includes a 21-tool MCP server and ES256 License Kit.
- Merchants demanding immediate self-custodial wallet finality with $0 withdrawal fees.
- Hosting, VPN, and SaaS teams using WHMCS (/plugins/whmcs), Laravel (/plugins/laravel), or WooCommerce.
- AI and API builders monetizing endpoints via HTTP 402 (/x402) and @xpayr/mcp-server.
When CryptoCloud may still win
CryptoCloud can fit merchants who prefer accumulating crypto balances inside a hosted processor account with AML auto-swap widgets.
- Operators who prefer storing multi-coin balances inside a hosted processor dashboard.
Questions before choosing
Is XPayr cheaper than CryptoCloud?
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 eliminates processor-held account balances altogether by settling 99.5% directly to your own wallet on every confirmation, charges a predictable flat 0.5% with $0 withdrawal fees, and includes a 21-tool MCP server and ES256 License Kit.
When might CryptoCloud still be better?
CryptoCloud can fit merchants who prefer accumulating crypto balances inside a hosted processor account with AML auto-swap widgets.
Does XPayr support AI agents and the Model Context Protocol (MCP) compared with CryptoCloud?
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.