Choose by operating model, not just feature count.
Changez lorsque le paiement géré, les itinéraires stablecoin, les enregistrements du tableau de bord et un lancement plus rapide sont plus précieux que l'auto-hébergement.
Gateway comparison
XPayr et BTCPay Server
A direct comparison for merchants evaluating crypto checkout, règlement du portefeuille, stablecoin rails, fees, API/webhooks, testnet evaluation, and operational payment records.
Fee comparison needs context.
Serveur BTCPay is open-source and self-hosted. There is no third-party processor fee, but the merchant operates the server, security, uptime, and infrastructure.
XPayr applique des frais de passerelle fixes de 0.5% gateway fee per successful transaction before network gas, swap, bridge, or third-party route costs.
Serveur BTCPay documentationWhere each platform fits
| Decision area | XPayr | Serveur BTCPay |
|---|---|---|
| Infrastructure | Managed checkout layer with merchant wallet routing. | Self-hosted payment server operated by the merchant. |
| Cost model | 0.5% gateway fee per successful payment before chain gas. | No processor fee, but server, uptime, and maintenance costs remain. |
| Asset strategy | Stablecoin-focused coverage across supported EVM, TRON, and Solana routes. | Strong fit for Bitcoin-first self-hosted payments. |
| Best buyer | Teams that want faster launch and operational payment records. | Technical teams that want full self-hosted ownership. |
| 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 is stronger when the merchant wants wallet control without running and maintaining a payment server.
- Teams that do not want to deploy, secure, monitor, and maintain a payment server.
- Merchants that need stablecoin checkout routes beyond a Bitcoin-first setup.
- Businesses that want testnet checkout, dashboard records, and API/webhooks quickly.
- Operators that need recurring records, payout preparation, or route policy controls.
When Serveur BTCPay may still win
Serveur BTCPay can still be best for technical, Bitcoin-first teams that want open-source self-hosting and full infrastructure ownership.
- Merchants that want open-source self-hosting and full infrastructure ownership.
- Bitcoin-first teams that accept server maintenance as part of the operating model.
- Organizations that prefer 0% third-party processor fees and can handle hosting, security, and uptime themselves.
Questions before choosing
Is XPayr cheaper than Serveur BTCPay?
XPayr applique des frais de passerelle fixes de 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 is stronger when the merchant wants wallet control without running and maintaining a payment server.
When might Serveur BTCPay still be better?
Serveur BTCPay can still be best for technical, Bitcoin-first teams that want open-source self-hosting and full infrastructure ownership.
Does XPayr support AI agents and the Model Context Protocol (MCP) compared with Serveur BTCPay?
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.