Evaluate custody boundaries, real checkout bps, TRON TRC-20 & Solana stablecoin support, withdrawal spreads, OpenAPI 3.1.0 SDKs, and 21-tool Model Context Protocol (`@xpayr/mcp-server`) automation side by side before writing a line of migration code.
Compares XPayr flat 0.5% direct Wallet-Abrechnung vs 1.0% custodial gateway fees and 1.5% fiat-converted stablecoin processors.
NOWPayments publicly describes 0.5% service fees for payments without exchange and 1% for multi-currency, fixed-rate, or fee-paid-by-user flows; network fees are separate.
Switch trigger: Wechseln Sie, wenn Kassenaufzeichnungen, die direkte Abrechnung mit dem Geldbeutel und die operative Routenkontrolle wichtiger sind als ein sehr umfassender Währungskatalog.
CoinPayments publishes fee tables for wallet, conversion, withdrawal, coin, and token processing flows; its V2 public fee page describes starting fees by asset type.
Switch trigger: Wechseln Sie, wenn das betriebliche Ziel eine schlanke Checkout-Ebene und nicht eine Gateway-Wallet-Konvertierungssuite ist.
Coinbase documentation for Commerce-to-Business migration describes a 1% transaction fee for migrating merchants and positions Coinbase Business as an all-in-one crypto financial platform.
Switch trigger: Wechseln Sie, wenn der Händler eine globale Checkout-Infrastruktur wünscht, ohne Coinbase zum zentralen Geschäftskonto zu machen.
BitPay publishes tiered crypto acceptance pricing by monthly transaction amount, including 2% + 25¢ under $500k, 1.5% + 25¢ from $500k to $999,999, and 1% + 25¢ at $1M+; high-risk industries may pay more.
Switch trigger: Wechseln Sie, wenn die direkte Abwicklung über das Wallet und die Klarheit niedrigerer Gateway-Gebühren wichtiger sind als der Betrieb mit Fiat-First-Zahlungsanbietern.
BTCPay-Server is open-source and self-hosted. There is no third-party processor fee, but the merchant operates the server, security, uptime, and infrastructure.
Switch trigger: Wechseln Sie, wenn verwalteter Checkout, Stablecoin-Routen, Dashboard-Aufzeichnungen und ein schnellerer Start wertvoller sind als Selbsthosting.
Cryptomus publicly advertises merchant processing fees starting from 0.4% to 2% depending on merchant tier, turnover, and conversion/wallet operations inside its custodial account ecosystem.
Switch trigger: Switch when eliminating custodial balance freezes, withdrawal queues, and account-held funds matters most.
CoinGate publicly lists a standard 1% checkout processing fee for crypto payments, alongside optional SEPA/bank fiat payout and account-managed settlement schedules.
Switch trigger: Switch when cutting the 1% gateway fee to 0.5% and receiving instant on-chain USDT/USDC Wallet-Abrechnung outweigh bank-batch payouts.
Stripe publicly prices stablecoin acceptance at 1.5% of the transaction amount (settling as fiat USD in supported Stripe merchant jurisdictions), compared with 2.9% + $0.30 + FX fees on cards.
Switch trigger: Switch when you want global merchant eligibility, TRON USDT support, native stablecoin treasury retention, and a 0.5% fee instead of 1.5%.
Triple-A positions itself as a licensed fiat-settlement crypto payment institution (typically charging around 1% processing plus FX/settlement spreads depending on local bank corridor).
Switch trigger: Switch when you want immediate API/testnet onboarding, direct stablecoin treasury control, and 0.5% flat fees without FX conversion spreads.
PayPal commercial checkout fees typically range from 0.99% (promotional US Pay with Crypto tiers) up to 2.99%–4.99% + fixed fee + FX spreads on standard cross-border digital wallet transactions, inside a custodial PayPal business account.
Switch trigger: Switch when you want global merchant eligibility, on-chain PYUSD/USDC/USDT direct Wallet-Abrechnung, 0.5% fees, and zero PayPal rolling reserves or account freezes.
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.
Switch trigger: Switch when you want true self-custodial Wallet-Abrechnung (no withdrawal step), white-label branding without a 1.2% markup, and AI/MCP developer tooling.
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.
Switch trigger: 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.
BVNK is an enterprise virtual-IBAN and custodial stablecoin payment institution with custom contract pricing, minimum monthly commitments, and full institutional KYB onboarding.
Switch trigger: Switch when you want immediate API/MCP integration, zero monthly minimums, and direct self-custodial USDT/USDC treasury control at 0.5%.
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.
Switch trigger: Switch when you want zero processor balance custody, predictable flat 0.5% pricing without withdrawal fees, and modern OpenAPI 3.1 / MCP agent automation.
CoinRemitter advertises a 0.23% withdrawal processing fee, requires a paid Premium Plan ($99.99/month) to unlock TRON TRC-20 USDT / ERC-20 token support and higher API limits, and generates custodial CoinRemitter-managed wallets.
Switch trigger: Switch when paying $99.99/month just to accept USDT/USDC makes no sense and you refuse to keep funds inside processor-generated hot wallets.
Confirmo is a European custodial crypto payment processor charging ~0.8% invoicing fee plus settlement/FX fees, designed around custodial merchant accounts and SEPA/SWIFT payouts.
Switch trigger: Switch when you want 100% non-custodial EURC/USDC/USDT direct Wallet-Abrechnung, 0.5% fees, and instant developer Testnet onboarding.
OpenNode is a Bitcoin-only custodial processor charging 1.0% on Bitcoin/Lightning payments (plus fiat conversion/payout spreads), with zero support for USDT, USDC, Ethereum, Solana, or TRON.
Switch trigger: Switch when your buyers ask for USDT, USDC, Solana, or EVM checkout and you want 0.5% non-custodial settlement instead of 1.0% custodial BTC-only processing.
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.
Switch trigger: Switch when you want 100% non-custodial direct wallet finality across Solana, Base, Arbitrum, EURC, and TRON USDT at a flat 0.5% fee.
ALFAcoins is a legacy custodial crypto payment processor charging 0.99% per transaction while holding merchant funds until minimum coin withdrawal thresholds are met.
Switch trigger: Switch when 0.99% custodial fees, minimum payout lockups, and missing Solana/Base/L2 stablecoin rails slow down your store.
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.
Switch trigger: 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.
xMoney (formerly Utrust, MultiversX ecosystem) charges ~1.0% merchant processing plus custodial fiat/crypto settlement holds and KYB underwriting before live checkout.
Switch trigger: Switch when you want 0.5% non-custodial EURC, USDC, and USDT settlement straight to your own wallet with zero custodial account holds.
Alchemy Pay is primarily a custodial fiat-to-crypto ramp and enterprise merchant acquirer (~1.0%–3.5%+ ramp/processing fees) requiring enterprise onboarding contracts.
Switch trigger: Switch when you need pure 0.5% non-custodial merchant crypto checkout, SaaS recurring billing, POS, and AI agent MCP tools.
Radom offers Web3 SaaS billing and checkout links starting around 0.5%–1.5%+ depending on billing features, smart-contract pulls, and enterprise plan tiers.
Switch trigger: Switch when you want flat 0.5% pricing across all features, Direkter Börsen-QR (Binance/Bybit) conversion, 20 CMS/hosting plugins, and 21-tool MCP + A2A agent support.
Slash Web3 Payments routes buyer tokens through DEX liquidity pools on EVM chains (exposing payers to DEX swap slippage and pool liquidity limits).
Switch trigger: Switch when you need TRON TRC-20 USDT, Solana USDC, TON, Bitcoin, zero DEX slippage, Exchange QR support, and 20 global e-commerce plugins.
MoonPay Commerce (post-Helio acquisition) charges 1.0%–2.0% on creator/merchant checkouts unless holding paid pass tiers, plus 3.5%–4.5%+ spreads on MoonPay fiat-card ramp flows.
Switch trigger: Switch when you want flat 0.5% non-custodial crypto checkout with zero membership pass gates, TRON TRC-20 + Binance/Bybit QR, 24 CMS plugins, and AI agent MCP/x402 billing.
SpherePay focuses on Solana-centric payment orchestration and KYB-gated fiat/ach off-ramp rails with custom enterprise fee schedules.
Switch trigger: Switch when you want 100% self-custodial multi-chain settlement across 12 networks (not just Solana/select EVM), 24 ready storefront plugins, and transparent 0.5% pricing.
Loop Crypto bills EVM/Solana recurring subscriptions via ERC-20 wallet allowance pulls, charging percentage fees plus tiered SaaS plans for advanced billing features.
Switch trigger: Switch when buyers refuse unlimited ERC-20 pull allowances or want to pay renewals from Binance, Bybit, TRON TRC-20, TON, Hardware Wallets, or Safe multisigs at 0.5%.
BoomFi positions an all-in-one crypto checkout and custodial/semi-custodial fiat settlement suite (~0.5%–1.0%+ plus FX/off-ramp fees and enterprise contract tiers).
Switch trigger: Switch when you want zero custodial middlemen, open-source v1.0.0 storefront plugins, Direkter Börsen-QR tolerance, and AI agent MCP + A2A v1.0 protocols.
DePay charges 1.0%–1.5% (100–150 bps) on Web3 smart-contract DEX-routed payments and requires payers to connect an injected/WalletConnect Web3 wallet.
Switch trigger: Switch when 95%+ of your buyers pay in USDT, USDC, EURC, SOL, ETH, TON, or BTC — or pay from Binance/Bybit — and you refuse to pay 1.5% + DEX swap gas.
0xProcessing operates a custodial enterprise merchant-wallet processor (~0.5%–1.5% negotiated fees + internal hot-wallet sweeps and withdrawal rules) requiring sales onboarding.
Switch trigger: Switch when treasury security demands zero processor custody, $0 sweep/withdrawal fees, instant self-serve API keys, and deterministic user_id deposit webhooks.
Custodial processors frequently stack a 0.8%–1.5% checkout fee on top of withdrawal fees, auto-conversion FX spreads, and rolling reserves. XPayr charges a single flat 0.5% (50 bps) gateway fee and routes 99.5% directly into your connected wallet on confirmation.
BTCPay-Server is excellent for sovereign Bitcoin-only node operators who maintain their own DevOps and RPC infrastructure. XPayr preserves 100% nicht-verwahrende Wallet-Abrechnung while eliminating full-node maintenance across TRON TRC-20, Solana, Base, Arbitrum, Polygon, BNB Chain, Ethereum, and Circle Arc.
Yes. Use our 15-Minute Provider Migration Hub (/migrate) to map webhook payloads, verify HMAC-SHA256 signatures on Testnet, and run XPayr alongside your existing gateway during cutover.
XPayr ships an official 21-tool MCP server (@xpayr/mcp-server on NPM and io.github.xpayrcom/xpayr-mcp-server on the Official Anthropic MCP Registry), a zero-install remote JSON-RPC endpoint (POST /api/mcp), and HTTP 402 agentic API paywall blueprints (/x402).