Choose by operating model, not just feature count.
Switch when you want 100% non-custodial direct wallet finality across Solana, Base, Arbitrum, EURC, and TRON USDT at a flat 0.5% fee.
Gateway comparison
XPayr vs Speed (TrySpeed)
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.
Speed (tryspeed.com) is a custodial Bitcoin Lightning & USDT processor charging up to 1.0% on merchant checkouts/withdrawals while holding received balances inside a custodial Speed account.
XPayr charges a flat 0.5% gateway fee per successful transaction before network gas, swap, bridge, or third-party route costs.
Speed official pricingWhere each platform fits
| Decision area | XPayr | Speed (TrySpeed) |
|---|---|---|
| Custody & balance model | 100% non-custodial — 99.5% settles immediately to your own wallet. | Custodial Speed account ledger requiring external withdrawals. |
| Multi-chain coverage | Base, Arbitrum, Optimism, Polygon, BSC, Solana, TRON, BTC, ETH, Circle Arc. | Primarily Bitcoin/Lightning + limited USDT custodial rails. |
| Checkout & Payout fee | Flat 0.5% (50 bps) gateway fee; $0 XPayr withdrawal fee. | Free tier caps + up to 1.0% processing/payout fees. |
| AI & Licensing stack | 21-tool MCP server, Google A2A Card, HTTP 402 kit, ES256 License Kit. | Standard REST checkout links and plugins. |
| 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 custodial Speed account balances with 99.5% direct self-custodial wallet settlement, caps gateway fees at a flat 0.5% across 9+ chains (Base, Arbitrum, Solana, TRON, Polygon, BSC, Ethereum, BTC, Arc), and ships an official 21-tool MCP server and ES256 License Kit.
- SaaS, AI, and e-commerce teams wanting direct non-custodial USDC/USDT/EURC settlement.
- Developers building on Next.js (/plugins/nextjs), FastAPI (/plugins/python-fastapi), and MCP (/agent-commerce).
- Creators selling wallet-bound licenses at 0.5% (/license-kit).
When Speed (TrySpeed) may still win
Speed fits Lightning-focused merchants comfortable maintaining a custodial Speed wallet balance.
- Merchants specifically seeking a hosted Bitcoin Lightning custodial wallet dashboard.
Questions before choosing
Is XPayr cheaper than Speed (TrySpeed)?
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 custodial Speed account balances with 99.5% direct self-custodial wallet settlement, caps gateway fees at a flat 0.5% across 9+ chains (Base, Arbitrum, Solana, TRON, Polygon, BSC, Ethereum, BTC, Arc), and ships an official 21-tool MCP server and ES256 License Kit.
When might Speed (TrySpeed) still be better?
Speed fits Lightning-focused merchants comfortable maintaining a custodial Speed wallet balance.
Does XPayr support AI agents and the Model Context Protocol (MCP) compared with Speed (TrySpeed)?
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.