Choose by operating model, not just feature count.
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.
Gateway comparison
XPayr im Vergleich zu DePay
A direct comparison for merchants evaluating crypto checkout, Wallet-Abrechnung, stablecoin rails, fees, API/webhooks, testnet evaluation, and operational payment records.
Fee comparison needs context.
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.
XPayr berechnet eine pauschale 0.5% gateway fee per successful transaction before network gas, swap, bridge, or third-party route costs.
DePay pricingWhere each platform fits
| Decision area | XPayr | DePay |
|---|---|---|
| Transaction fee | Flat 0.5% (50 bps) — up to 3x lower than DePay 1.0%–1.5%. | 1.0%–1.5% protocol fee + higher DEX router smart-contract gas. |
| Binance / Bybit Exchange QR | Full Direkter Börsen-QR mode with 1% (max $0.50) fee tolerance. | Web3 wallet connection only — cannot accept CEX QR withdrawals. |
| TRON TRC-20, TON & Bitcoin | Native TRON TRC-20 USDT, TON Jettons & Bitcoin + Solana & EVM. | No TRON TRC-20, TON, or native Bitcoin UTXO QR checkout. |
| ERP, POS & AI MCP stack | QuickBooks/Xero exports, Browser POS, ES256 Lizenz-Kit & 21 MCP tools. | Web3 widget, Shopify/WooCommerce apps, and token payroll. |
| 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 DePay 1.0%–1.5% fee down to a flat 0.5% (saving 50%–67%), eliminates DEX router gas & slippage on standard stablecoin checkouts, unlocks Binance/Bybit/OKX Direkter Börsen-QR buyers, and adds TRON TRC-20, TON, and Bitcoin.
- WooCommerce, Shopify, MedusaJS, BigCommerce, and SaaS merchants overpaying 1.0%–1.5% on DePay.
- Stores losing 40%+ of international buyers who hold USDT/USDC on Binance, Bybit, OKX, or TronLink.
- Finance teams needing QuickBooks, Xero, and NetSuite double-entry exports (/accounting).
When DePay may still win
DePay fits Web3 token projects wanting automatic on-the-fly Uniswap/DEX conversion of obscure long-tail ERC-20 tokens at checkout.
- Niche Web3 dApps specifically wanting automatic Uniswap conversion of illiquid altcoins during checkout.
Questions before choosing
Is XPayr cheaper than DePay?
XPayr berechnet eine pauschale 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 DePay 1.0%–1.5% fee down to a flat 0.5% (saving 50%–67%), eliminates DEX router gas & slippage on standard stablecoin checkouts, unlocks Binance/Bybit/OKX Direkter Börsen-QR buyers, and adds TRON TRC-20, TON, and Bitcoin.
When might DePay still be better?
DePay fits Web3 token projects wanting automatic on-the-fly Uniswap/DEX conversion of obscure long-tail ERC-20 tokens at checkout.
Does XPayr support AI agents and the Model Context Protocol (MCP) compared with DePay?
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.