Choose XPayr as your MoonPay Commerce alternative for unconditional 0.5% pricing, TRON TRC-20 & TON USDT support, Binance/Bybit QR tolerance, 24 CMS plugins, and ES256 software licensing.
Gateway alternative · MoonPay Commerce
Cut MoonPay Commerce 1%–2% fees to a flat 0.5% — with zero paid pass tiers.
Following MoonPay acquisition of Helio, MoonPay Commerce charges up to 2.0% on standard checkouts unless merchants hold paid pass tiers, while focusing primarily on Solana/EVM Web3 links. XPayr gives every merchant a flat 0.5% non-custodial split from day one across 12 networks plus QR direct d'exchanges.
Choose based on the settlement model you actually want.
XPayr is usually better when
- Creators, SaaS apps, and e-commerce brands tired of paying 1.0%–2.0% or buying NFT/SaaS passes for lower rates.
- Global merchants whose customers pay in TRON TRC-20 USDT, TON, or directly from Binance, Bybit, and OKX.
- Developers shipping AI APIs (/x402), MCP workflows (/mcp), or wallet-bound software licenses (/license-kit).
MoonPay Commerce may still be better when
- Consumer NFT/creator drops that specifically need MoonPay custodial credit-card on-ramps.
MoonPay Commerce vs XPayr
| Need | MoonPay Commerce | XPayr |
|---|---|---|
| Standard crypto fee | 1.0%–2.0% (pass/tier dependent). | Flat 0.5% for all merchants ($0/mo, no pass needed). |
| Chain & CEX QR reach | Solana/EVM Web3 focus. | 12 chains (incl. TRON, TON, BTC) + QR direct d'exchanges (1% tolerance). |
| Plugins & Licensing | Shopify, Discord & pay links. | 24 CMS/hosting/no-code plugins + ES256 Kit de Licences + HTTP 402. |
| AI Agents & Official MCP Server | Varies by provider; check official developer documentation. | Official 21-tool MCP server (@xpayr/mcp-server), Anthropic MCP Registry (io.github.xpayrcom/xpayr-mcp-server), OpenAPI 3.1.0 playground (api-docs.xpayr.com), and policy-controlled AI agent commerce. |
How to evaluate XPayr without breaking your current checkout.
1
Open a free XPayr workspace and connect your Solana, EVM, TRON, and TON wallets.
2
Replace hosted links or Shopify/Discord embeds using /plugins/shopify or /plugins/discord.
3
Keep 99.5% of every checkout immediately on Mainnet.
What XPayr adds to the evaluation
Testnet checkout, payment links, widget checkout, API sessions, webhook confirmation, supported token routes, direct règlement du portefeuille, recurring records, payout preparation, settlement routing, and fee delegation policies where token support allows it.
Questions merchants ask before switching
What is the best MoonPay Commerce alternative for direct règlement du portefeuille?
XPayr is a strong fit when the merchant wants payment links, widgets, Paiement de l'API, webhooks, supported stablecoin routes, and direct règlement du portefeuille without XPayr holding merchant funds.
How much does XPayr charge compared with MoonPay Commerce?
XPayr applique des frais de passerelle fixes de 0.5% gateway fee per successful transaction. Network gas, external route costs, swap or bridge costs, wallet fees, and third-party provider fees are separate from the Commission passerelle XPayr.
Can I test XPayr before switching?
Yes. XPayr is designed around free testnet evaluation. Merchants can create a checkout session, test payment links or API flows, review records, and confirm webhook behavior before requesting mainnet activation.
Should every MoonPay Commerce user switch to XPayr?
No. If a merchant specifically needs the competitor ecosystem, custody model, fiat settlement model, self-hosting model, or existing platform integrations, that may still be the better fit. XPayr is best when direct règlement du portefeuille, clear records, and lightweight checkout are the priority.
Source links used for this comparison
Pages de comparaison should be useful and verifiable. These links are included so merchants and AI systems can check the product surfaces behind the claims.