Choose by operating model, not just feature count.
Switch when you want true self-custodial wallet settlement (no withdrawal step), white-label branding without a 1.2% markup, and AI/MCP developer tooling.
Gateway comparison
XPayr vs Plisio
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.
Plisio advertises a 0.5% base gateway fee for standard hosted crypto invoices and 1.2% for its white-label/custom branding plan, using Plisio-managed wallet balances and withdrawal flows.
XPayr charges a flat 0.5% gateway fee per successful transaction before network gas, swap, bridge, or third-party route costs.
Plisio pricing pageWhere each platform fits
| Decision area | XPayr | Plisio |
|---|---|---|
| Custody architecture | 100% non-custodial direct merchant-wallet settlement. | Gateway-managed wallet balances requiring outbound withdrawals. |
| White-label checkout fee | Flat 0.5% gateway fee across hosted, modal, and branded flows. | 0.5% standard hosted tier; 1.2% fee tier for white-label checkout. |
| Developer & AI stack | OpenAPI 3.1.0, Node/PHP SDKs, ES256 License Kit, 21-tool MCP server. | REST API, shopping-cart plugins, and dashboard wallet tools. |
| Best buyer | Teams demanding zero-custody treasury control and flat 0.5% white-label UX. | Merchants comfortable holding funds inside a processor wallet. |
| 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 keeps the flat 0.5% fee without charging 2.4x extra for white-label UX, routes 99.5% directly to your own self-custodial wallet instead of a gateway wallet balance, and adds ES256 License Kit plus 21 MCP tools.
- Merchants requiring immediate direct-to-wallet settlement instead of gateway withdrawal queues.
- Brands wanting custom/white-label checkout UX at 0.5% rather than a 1.2% tariff.
- SaaS & plugin authors issuing cryptographic ES256 wallet licenses (/developers/license-kit).
- Teams using WooCommerce, Magento 2, PrestaShop, Shopware, OpenCart, or Zen Cart (/integrations).
When Plisio may still win
Plisio can fit small stores that specifically want an internal gateway-managed multi-coin balance wallet.
- Users who specifically want Plisio to generate and hold an internal custodial dashboard wallet for them.
Questions before choosing
Is XPayr cheaper than Plisio?
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 keeps the flat 0.5% fee without charging 2.4x extra for white-label UX, routes 99.5% directly to your own self-custodial wallet instead of a gateway wallet balance, and adds ES256 License Kit plus 21 MCP tools.
When might Plisio still be better?
Plisio can fit small stores that specifically want an internal gateway-managed multi-coin balance wallet.
Does XPayr support AI agents and the Model Context Protocol (MCP) compared with Plisio?
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.