Connect non-custodial wallets & generate sk_test_ API keys
Register at /merchant/register, paste your destination EVM, Solana, TRON, or multisig wallet addresses, and generate a free Testnet API key.
Migrate from BitPay to XPayr (0.5% Non-Custodial Settlement)
Eliminate 1%–2% tiered fees, mandatory payer BitPay protocol constraints, and multi-day custodial settlement batches. Settle 99.5% of USDC, USDT, EURC, BTC, ETH, and SOL directly to your own wallet in seconds.
🔄 Open Interactive Payload Translator
⚡ Test Live Checkout Sandbox
⚖️ XPayr vs BitPay
📊 Commercial Breakdown
Cutover Time~15 Minutes (Parallel Safe)
BitPay Fee1.0%–2.0% + network cost & T+1/T+2 settlement
XPayr Gateway FeeFlat 0.5% ($0/mo · $0 Sweep)
XPayr Custody Model100% Non-Custodial (99.5% Direct)
Why Engineering & Finance Teams Switch Away From BitPay
BitPay charges 1%–2% plus extra "Network Cost" surcharges passed onto customers at checkout.
Legacy Payment Protocol restrictions block standard exchange withdrawals from Binance, Bybit, or Kraken.
BitPay webhooks omit a simple shared-secret HMAC header unless paired with secondary API fetch-backs or BitAuth keys.
Field-by-Field API & Webhook Mapping (BitPay → XPayr v1)
Keep your existing database order schema intact — map these 6 fields to cut over cleanly.
| Integration Layer | BitPay (Legacy) | XPayr Non-Custodial v1 |
|---|---|---|
| Authentication | BitAuth ECDSA keypair / POS token |
Standard Bearer sk_test_... / sk_live_... API keys |
| Create Invoice | POST https://bitpay.com/invoices |
POST https://xpayr.com/api/v1/payments |
| Invoice Fields | price, currency, orderId, notificationURL, redirectURL |
amount, currency, order_id, webhook_url, success_url |
| Exchange QR Support | Restricted by Payment Protocol rules |
Native Direct Exchange QR + 1% ($0.50 max) tolerance |
| Webhook Security | Fetch-back GET /invoices/{id} required |
Cryptographic X-XPayr-Signature HMAC-SHA256 |
| Merchant Payout | T+1/T+2 custodial payout threshold |
Immediate on-chain 99.5% transfer to your wallet |
Drop-In Migration Adapter (PHP 8.1+)
Copy-paste replacement ready for Testnet (sk_test_...) and Mainnet (sk_live_...).
<?php
declare(strict_types=1);
/**
* Replaces BitPay POST /invoices with XPayr REST API v1 session creation.
*/
function createXpayrInvoiceFromOrder(array $order, string $secretKey): array
{
$payload = json_encode([
'amount' => number_format((float) $order['total'], 2, '.', ''),
'currency' => 'USD',
'order_id' => (string) $order['order_number'],
'webhook_url' => 'https://merchant.example.com/webhooks/xpayr',
'success_url' => 'https://merchant.example.com/checkout/thank-you',
], JSON_THROW_ON_ERROR);
$ch = curl_init('https://xpayr.com/api/v1/payments');
curl_setopt_array($ch, [
CURLOPT_POST => true,
CURLOPT_POSTFIELDS => $payload,
CURLOPT_RETURNTRANSFER => true,
CURLOPT_HTTPHEADER => [
'Authorization: Bearer ' . $secretKey,
'Content-Type: application/json',
],
]);
$raw = (string) curl_exec($ch);
curl_close($ch);
return json_decode($raw, true, 512, JSON_THROW_ON_ERROR);
}
4-Step Zero-Downtime Canary Cutover Checklist
Deploy the X-XPayr-Signature HMAC-SHA256 webhook adapter
Add the raw-body HMAC-SHA256 verification handler alongside your existing BitPay callback endpoint and test events in /tools/webhook-tester.
Canary 10%–25% of live checkout sessions in parallel
Route a slice of live crypto orders to POST /api/v1/payments (or enable the XPayr storefront plugin) to verify instant 99.5% direct wallet settlement.
Cut over 100% of traffic & export clean ERP ledgers
Switch primary crypto checkout routing to XPayr, withdraw any remaining custodial float from BitPay, and export QuickBooks/Xero CSVs via /accounting.
Frequently Asked Questions — Switching From BitPay
Does XPayr charge customers a separate "Network Cost" surcharge like BitPay?
Never. Buyers only pay normal blockchain gas on their chosen network (often <$0.01 on Base, Arbitrum, Polygon, Solana, or Circle Arc), and XPayr deducts a flat 0.5% gateway fee.
Can we export accounting records like BitPay ledger CSVs?
Yes. XPayr generates double-entry CSV and JSON exports tailored for QuickBooks, Xero, and NetSuite (/accounting & /tools/crypto-accounting-export-simulator).
Are Magento 2, WooCommerce, PrestaShop, and Shopware plugins available?
Yes — XPayr maintains 24 storefront, CMS, billing, and automation integrations at /plugins.