XPayr keeps crypto payment pricing simple: 0.5% per completed payment session. No mixed processor tiers, no confusing checkout markups, and no custody model that forces merchants to wait for withdrawals.
The model is designed for merchants that need simple reconciliation across payment links, widgets, hosted checkout, API sessions, player deposits, and recurring billing records.
| Invoice | 0.5% fee | Net before gas |
|---|---|---|
| $100 | $0.50 | $99.50 |
| $1,000 | $5.00 | $995.00 |
| $10,000 | $50.00 | $9,950.00 |
| $300,000 | $1,500.00 | $298,500.00 |
The important part is not only the percentage. It is that the fee, payment status, token, network, and transaction reference stay understandable after the payment is complete.
The merchant creates a payment session through a link, widget, hosted checkout, or API route with the invoice amount and selected payment options.
The customer pays from their wallet on the selected network. Network gas is a chain-level cost and is separate from the XPayr gateway fee.
XPayr confirms payment status, records the 0.5% gateway fee, and keeps invoice-level data available for dashboard review and webhook workflows.
Finance teams can compare the original invoice, gateway fee, net amount, token, network, transaction reference, and payment status in one predictable model.
Merchants do not only need low fees. They need a fee model that is easy to explain to finance, support, founders, and partners when payment volume grows.
0.5% per completed payment session. A $1,000 invoice creates a $5 gateway fee before any chain-level network gas.
Fees can vary by volume tier, asset, geography, checkout type, settlement path, or manual account review.
Mixed fee schedules make reconciliation slower because finance teams must explain why similar payments produced different net amounts.
The XPayr gateway fee is not the same as blockchain network cost. Keep these items separate when you model payment margin.
It means XPayr applies a flat 0.5% gateway fee to completed payment sessions. For example, a $1,000 crypto payment creates a $5 XPayr gateway fee, leaving $995 before chain-level gas or external wallet costs.
No. Blockchain gas is charged by the selected network and wallet flow. The XPayr gateway fee is separate from network gas, energy, priority fees, bridge costs, or swap costs.
A flat fee helps merchants forecast margin, explain payment records, and reconcile invoices faster because the same percentage applies across checkout sessions instead of changing by hidden pricing tiers.
Yes. Merchants can open a free XPayr account and use testnet payment sessions to review checkout behavior, status records, fee math, and integration flow before requesting mainnet activation.
XPayr is designed as non-custodial payment infrastructure. The platform does not hold merchant funds or operate merchant withdrawal wallets; payment routing and settlement behavior depend on the selected network and merchant setup.