Pay-As-You-Go Non-Custodial Infrastructure

Flat 0.5% Gateway Fee. $0 Monthly Cost. Instant 99.5% Wallet Settlement.

Keep full custody of your revenue from block confirmation zero. No setup fees, no rolling reserves, no custodial withdrawal holds, and full access to all 21 MCP AI tools, 6 e-commerce plugins, and ES256 software licensing.

Create Free Merchant Account ⚡ Try $10 Live Testnet Checkout 🧮 Full Fee Calculator 🛡️ Chargeback ROI Calculator 📄 Agent-Readable pricing.md
0.50% Flat per-payment split (50 bps) — 99.5% direct to your wallet
$0 / mo Zero setup, subscription, seat, or testnet sandbox fees
0% Zero chargebacks & $0 frozen rolling reserve capital
50% Partner & agency lifetime commission share on gateway fees
All-Inclusive Merchant Plan

0.5% Per Confirmed Payment

Every merchant account unlocks the complete XPayr stack on Testnet and Mainnet with zero feature gating:

  • Dual Checkout Engine: Web3 1-Click Wallet Pay + Direct Exchange QR Transfer (Binance, Bybit, OKX) with 1% (max $0.50) fee tolerance.
  • 9+ Settlement Rails: TRON (TRC-20 USDT), Solana (SPL USDC/USDT), Base, Arbitrum, Polygon, BNB Chain, Ethereum, Avalanche, and Circle Arc.
  • AI Agent & 21-Tool MCP Suite: Local @xpayr/mcp-server, Remote HTTP POST /api/mcp, spend guardrails, and human approval queue.
  • ES256 Software License Kit: Issue offline-verifiable wallet-bound JWT licenses verified via /.well-known/jwks.json and @xpayr/extension-kit (v0.2.0).
  • Signed Webhooks & Cryptographic Evidence: HMAC-SHA256 webhooks plus deterministic verification via @xpayr/payment-evidence (v0.2.0).
  • 6 Official Store Plugins: WooCommerce, PrestaShop, Magento 2, Shopware 6, OpenCart 4, and Zen Cart (all open-source on github.com/xpayrcom).
Complete Fee Schedule

Module-by-Module Fee Transparency

XPayr Capability / Surface Platform Fee Custody Model Interactive Tool / Docs
Hosted & Embedded Crypto Checkout 0.50% (50 bps) Non-custodial (99.5% direct to merchant wallet) /tools/crypto-payment-fee-calculator
Swap & Cross-Chain USDC Bridge 0.20% (20 bps) Wallet-signed DEX / Circle CCTP routing /swap-bridge
ES256 Software License Kit $0 Extra (standard 0.50% checkout) Offline JWT verification via /.well-known/jwks.json /tools/wallet-license-verifier
AI Agent Guardrails & 21-Tool MCP Free / Open-Source Policy-scoped agk_ keys + human approval queue /tools/mcp-playground
Payout Hub & Batch Dispersion $0 Platform Markup (network gas only) Merchant wallet signs multi-recipient batch directly /tools/batch-payout-planner
Testnet Sandbox & Simulators 100% Free Forever TRON Nile, BSC Testnet, Solana Devnet, Polygon Amoy, Arc /status
Pricing FAQs

Frequently Asked Questions

What is XPayr exact transaction fee and are there monthly charges?

XPayr charges a flat 0.5% (50 basis points) gateway fee only on successfully confirmed payments. There are $0 setup fees, $0 monthly subscription fees, $0 webhook fees, and $0 rolling reserves.

Does XPayr charge withdrawal or payout fees to access my crypto revenue?

No. Because XPayr is 100% non-custodial, 99.5% of every payment settles directly into your own wallet in real time. There is no custodial balance to withdraw from and zero gateway withdrawal markup.

Are the 21-Tool MCP Server, SDKs, and ES256 License Kit included for free?

Yes. All 30 open-source repositories, @xpayr/mcp-server (21 tools), Remote HTTP MCP (/api/mcp), 6 e-commerce plugins, and ES256 wallet-bound software licensing are included at no extra platform surcharge beyond the standard 0.5% checkout split.

How does Direct Exchange QR withdrawal fee tolerance work?

When a buyer pays directly from Binance, Bybit, or OKX, XPayr applies a configurable 1% (capped at $0.50 USD) network fee tolerance so minor exchange withdrawal deductions never stall order fulfillment.