Choose by operating model, not just feature count.
Switch when paying 2% (or buying a monthly pass just to get 1%) hurts margins and your global buyers also demand TRON TRC-20 USDT and Exchange QR transfers.
Gateway comparison
XPayr vs Helio (MoonPay Commerce)
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.
Helio (acquired by MoonPay) charges 2% on its standard Pay-As-You-Go tier (or 1% with a paid HelioX subscription/pass), focusing heavily on Solana Pay, Shopify, and Web3 creator links.
XPayr charges a flat 0.5% gateway fee per successful transaction before network gas, swap, bridge, or third-party route costs.
Helio / MoonPay Commerce pricingWhere each platform fits
| Decision area | XPayr | Helio (MoonPay Commerce) |
|---|---|---|
| Transaction fee | Flat 0.5% (50 bps) with $0 subscription or pass required. | 2.0% standard fee, or 1.0% with paid HelioX subscription tier. |
| TRON TRC-20 & Exchange QR | Native TRON TRC-20 USDT + Exchange QR with 1% fee tolerance. | Primarily Web3 wallet-connect across Solana, EVM, and Bitcoin. |
| Software & API licensing | Built-in ES256 JWT License Kit + HTTP 402 paywalls (/x402). | Creator paylinks, Discord gating, and e-commerce embeds. |
| Best buyer | Global SaaS, AI, B2B, and e-commerce teams optimizing net take-home at 0.5%. | Solana NFT/creator drops tied to MoonPay fiat onramps. |
| 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 checkout fees by 75% (0.5% vs 2% Pay-As-You-Go) with $0 subscription fees, adds full TRON TRC-20 USDT + Exchange QR support alongside Solana & EVM, and includes a 21-tool MCP server and ES256 License Kit.
- Teams cutting checkout fees from 2.0% down to 0.5% with $0 monthly pass cost.
- Global stores whose customers pay from Binance/Bybit/OKX via TRON TRC-20 USDT QR codes.
- Software & API creators needing ES256 License Kit (/developers/license-kit) and HTTP 402 paywalls (/x402).
When Helio (MoonPay Commerce) may still win
Helio fits NFT/Solana-centric creators using Shopify or Discord gated-role plugins within MoonPay's ecosystem.
- Creators running Solana NFT mints or Discord role-gating tied specifically to MoonPay consumer onramps.
Questions before choosing
Is XPayr cheaper than Helio (MoonPay Commerce)?
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 checkout fees by 75% (0.5% vs 2% Pay-As-You-Go) with $0 subscription fees, adds full TRON TRC-20 USDT + Exchange QR support alongside Solana & EVM, and includes a 21-tool MCP server and ES256 License Kit.
When might Helio (MoonPay Commerce) still be better?
Helio fits NFT/Solana-centric creators using Shopify or Discord gated-role plugins within MoonPay's ecosystem.
Does XPayr support AI agents and the Model Context Protocol (MCP) compared with Helio (MoonPay Commerce)?
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.