No private keys
XPayr never asks for, stores, or controls merchant private keys or seed phrases. Wallet ownership stays with the merchant.
Non-custodial by design
Crypto payments without fund custody.
XPayr provides smart-contract based payment infrastructure. We do not hold merchant funds, store private keys, pool balances, or operate withdrawal accounts. Payments execute on-chain and route directly to the wallet configured by the merchant.
Direct wallet settlement
Confirmed payments route to the configured merchant wallet without a settlement queue or withdrawal request.
Operational records
XPayr records payment sessions, transaction hashes, statuses, and webhook events so merchants can reconcile activity without XPayr holding funds.
What XPayr provides
- Hosted checkout, payment links, widgets, buttons, and API-driven payment sessions.
- Smart contract routing and on-chain payment execution.
- Webhook notifications, transaction history, and merchant dashboard tracking.
- Free testnet environment for integration and payment-flow validation.
What XPayr does not do
- We do not custody customer or merchant funds.
- We do not operate customer balances or withdrawal wallets.
- We do not approve unlawful or unlicensed business activity.
Merchant configures wallet
The merchant adds supported wallets, networks, and checkout settings.
Customer pays on-chain
The payment is approved in the customer wallet and executed on the selected blockchain.
Funds route directly
Smart contract logic routes the payment to the merchant wallet.
Status is synchronized
XPayr updates payment status and sends webhook events for reconciliation.
Infrastructure modules
More than checkout: a merchant payment operating layer.
XPayr can support high-volume payment operations without changing its custody model: merchants keep wallet control while XPayr handles payment metadata, routing rules, dashboards, and webhook events.
Persistent player deposit addresses
Map deposits to player IDs and send player_deposit_confirmed webhook events for automatic account crediting.
Employee, affiliate, and reward payouts
Prepare batch payouts for staff, affiliates, tournament rewards, cashback, and bonuses while the merchant wallet signs and funds transfers.
Preferred stablecoin settlement
Prioritize a target asset such as USDT and introduce same-chain conversion where liquidity, slippage, and review controls allow it.
Merchant-sponsored network fees
Sponsor selected gas costs for supported checkout flows with daily budgets and per-payment fee limits.
Payer-funded TRON checkout
For standard USDT TRC-20 checkout, the payer wallet covers TRON Energy or TRX for approval and payment. XPayr does not pay network fees per customer transaction unless a sponsored-fee program is explicitly enabled.
Payment links, widgets, and buttons
Launch checkout without backend development, then scale to API and webhook automation as volume grows.
Subscription and renewal flows
Use recurring metadata, payment reminders, and later wallet-authorized billing where the network and token support it.