Choose by operating model, not just feature count.
Switch when you prefer keeping 99.5% in on-chain USDC/EURC/USDT at a 0.5% fee with instant self-serve API, POS, and SDK onboarding.
Gateway comparison
XPayr vs ForumPay
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.
ForumPay positions itself as an enterprise crypto-to-fiat bank settlement processor (~1.0%–1.5%+ custom enterprise pricing and FX spreads) requiring sales-gated merchant underwriting.
XPayr charges a flat 0.5% gateway fee per successful transaction before network gas, swap, bridge, or third-party route costs.
ForumPay merchant overviewWhere each platform fits
| Decision area | XPayr | ForumPay |
|---|---|---|
| Settlement model | 99.5% instant on-chain USDC, USDT, EURC, BTC, ETH, or SOL to your wallet. | Custodial conversion to T+1 fiat bank wire with FX spreads. |
| Fee transparency | Published flat 0.5% (50 bps); $0 setup, $0 monthly fee. | Custom enterprise quotes (~1.0%–1.5%+ plus conversion spreads). |
| Onboarding speed | Instant browser Sandbox (/sandbox) & self-serve sk_test_ API keys. | Sales-assisted enterprise underwriting before live access. |
| POS & E-Commerce | Ungated Browser POS (/pos), 16 CMS/framework integrations, 21 MCP tools. | Retail POS terminals and enterprise ERP connectors. |
| 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 gives merchants instant self-serve Testnet access with zero sales gatekeeping, charges a transparent 0.5% flat fee, and settles 99.5% directly into your corporate USDT, USDC, or EURC wallet in seconds without FX conversion spreads.
- Hospitality, luxury retail, travel (/solutions/travel-hospitality), and B2B exporters keeping USDC/EURC/USDT.
- CFOs requiring QuickBooks, Xero, and NetSuite audit exports (/accounting & /compliance).
- Developers wanting open OpenAPI 3.1 specs and self-serve Testnet keys today.
When ForumPay may still win
ForumPay fits traditional brick-and-mortar enterprises that strictly require T+1 domestic fiat bank deposits and cannot hold stablecoins.
- Enterprises barred by corporate charter from holding digital assets that require T+1 domestic bank wires.
Questions before choosing
Is XPayr cheaper than ForumPay?
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 gives merchants instant self-serve Testnet access with zero sales gatekeeping, charges a transparent 0.5% flat fee, and settles 99.5% directly into your corporate USDT, USDC, or EURC wallet in seconds without FX conversion spreads.
When might ForumPay still be better?
ForumPay fits traditional brick-and-mortar enterprises that strictly require T+1 domestic fiat bank deposits and cannot hold stablecoins.
Does XPayr support AI agents and the Model Context Protocol (MCP) compared with ForumPay?
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.