XPayr face à DePay: crypto payment gateway comparison

TL;DR

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.

Pricing snapshot

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 applique des frais de passerelle fixes de 0.5% gateway fee per successful transaction before network gas, swap, bridge, or third-party route costs.

DePay pricing

At a glance

Where 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 QR direct d'exchanges 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 Kit de Licences & 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.

XPayr fit

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 QR direct d'exchanges 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).

Competitor fit

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.

Evaluation path: run a free XPayr testnet checkout, compare the invoice amount, 0.5% gateway fee, token/network, transaction hash, webhook event, and dashboard record against the flow you use today.

🛡️ Calculate Chargeback & Reserve Savings 🧮 Calculateur de frais 0.5% 📦 Planificateur de paiements groupés 🔑 Vérificateur de licence ES256 ⚡ État du système en direct

FAQ

Questions before choosing

Is XPayr cheaper than DePay?

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 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 QR direct d'exchanges 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.