Evaluate custody boundaries, real checkout bps, TRON TRC-20 & Solana stablecoin support, withdrawal spreads, OpenAPI 3.1.0 SDKs, and 21-tool Model Context Protocol (`@xpayr/mcp-server`) automation side by side before writing a line of migration code.
Compares XPayr flat 0.5% direct liquidação de carteira vs 1.0% custodial gateway fees and 1.5% fiat-converted stablecoin processors.
NOWPayments publicly describes 0.5% service fees for payments without exchange and 1% for multi-currency, fixed-rate, or fee-paid-by-user flows; network fees are separate.
Switch trigger: Mude quando os registros de checkout, a liquidação direta da carteira e o controle operacional da rota são mais importantes do que um catálogo de moedas muito amplo.
CoinPayments publishes fee tables for wallet, conversion, withdrawal, coin, and token processing flows; its V2 public fee page describes starting fees by asset type.
Switch trigger: Mude quando o objetivo operacional for uma camada de checkout enxuta, em vez de um conjunto de conversão de gateway-carteira.
Coinbase documentation for Commerce-to-Business migration describes a 1% transaction fee for migrating merchants and positions Coinbase Business as an all-in-one crypto financial platform.
Switch trigger: Mude quando o comerciante desejar infraestrutura de checkout global sem tornar a Coinbase a conta comercial central.
BitPay publishes tiered crypto acceptance pricing by monthly transaction amount, including 2% + 25¢ under $500k, 1.5% + 25¢ from $500k to $999,999, and 1% + 25¢ at $1M+; high-risk industries may pay more.
Switch trigger: Mude quando a liquidação direta da carteira e a clareza da taxa de gateway mais baixa forem mais importantes do que as operações do provedor de pagamento fiduciário.
Servidor BTCPay is open-source and self-hosted. There is no third-party processor fee, but the merchant operates the server, security, uptime, and infrastructure.
Switch trigger: Mude quando o checkout gerenciado, as rotas de stablecoin, os registros do painel e o lançamento mais rápido são mais valiosos do que a auto-hospedagem.
Cryptomus publicly advertises merchant processing fees starting from 0.4% to 2% depending on merchant tier, turnover, and conversion/wallet operations inside its custodial account ecosystem.
Switch trigger: Switch when eliminating custodial balance freezes, withdrawal queues, and account-held funds matters most.
CoinGate publicly lists a standard 1% checkout processing fee for crypto payments, alongside optional SEPA/bank fiat payout and account-managed settlement schedules.
Switch trigger: Switch when cutting the 1% gateway fee to 0.5% and receiving instant on-chain USDT/USDC liquidação de carteira outweigh bank-batch payouts.
Stripe publicly prices stablecoin acceptance at 1.5% of the transaction amount (settling as fiat USD in supported Stripe merchant jurisdictions), compared with 2.9% + $0.30 + FX fees on cards.
Switch trigger: Switch when you want global merchant eligibility, TRON USDT support, native stablecoin treasury retention, and a 0.5% fee instead of 1.5%.
Triple-A positions itself as a licensed fiat-settlement crypto payment institution (typically charging around 1% processing plus FX/settlement spreads depending on local bank corridor).
Switch trigger: Switch when you want immediate API/testnet onboarding, direct stablecoin treasury control, and 0.5% flat fees without FX conversion spreads.
PayPal commercial checkout fees typically range from 0.99% (promotional US Pay with Crypto tiers) up to 2.99%–4.99% + fixed fee + FX spreads on standard cross-border digital wallet transactions, inside a custodial PayPal business account.
Switch trigger: Switch when you want global merchant eligibility, on-chain PYUSD/USDC/USDT direct liquidação de carteira, 0.5% fees, and zero PayPal rolling reserves or account freezes.
Plisio advertises a 0.5% base gateway fee for standard hosted crypto invoices and 1.2% for its white-label/custom branding plan, using Plisio-managed wallet balances and withdrawal flows.
Switch trigger: Switch when you want true self-custodial liquidação de carteira (no withdrawal step), white-label branding without a 1.2% markup, and AI/MCP developer tooling.
Helio (acquired by MoonPay) charges 2% on its standard Pay-As-You-Go tier (or 1% with a paid HelioX subscription/pass), focusing heavily on Solana Pay, Shopify, and Web3 creator links.
Switch trigger: Switch when paying 2% (or buying a monthly pass just to get 1%) hurts margins and your global buyers also demand TRON TRC-20 USDT and Exchange QR transfers.
BVNK is an enterprise virtual-IBAN and custodial stablecoin payment institution with custom contract pricing, minimum monthly commitments, and full institutional KYB onboarding.
Switch trigger: Switch when you want immediate API/MCP integration, zero monthly minimums, and direct self-custodial USDT/USDC treasury control at 0.5%.
CryptoCloud advertises processing fees from ~0.4%–1.9% depending on project configuration and withdrawal/network costs, operating an account-balance processor dashboard from which merchants withdraw funds.
Switch trigger: Switch when you want zero processor balance custody, predictable flat 0.5% pricing without withdrawal fees, and modern OpenAPI 3.1 / MCP agent automation.
CoinRemitter advertises a 0.23% withdrawal processing fee, requires a paid Premium Plan ($99.99/month) to unlock TRON TRC-20 USDT / ERC-20 token support and higher API limits, and generates custodial CoinRemitter-managed wallets.
Switch trigger: Switch when paying $99.99/month just to accept USDT/USDC makes no sense and you refuse to keep funds inside processor-generated hot wallets.
Confirmo is a European custodial crypto payment processor charging ~0.8% invoicing fee plus settlement/FX fees, designed around custodial merchant accounts and SEPA/SWIFT payouts.
Switch trigger: Switch when you want 100% non-custodial EURC/USDC/USDT direct liquidação de carteira, 0.5% fees, and instant developer Testnet onboarding.
OpenNode is a Bitcoin-only custodial processor charging 1.0% on Bitcoin/Lightning payments (plus fiat conversion/payout spreads), with zero support for USDT, USDC, Ethereum, Solana, or TRON.
Switch trigger: Switch when your buyers ask for USDT, USDC, Solana, or EVM checkout and you want 0.5% non-custodial settlement instead of 1.0% custodial BTC-only processing.
Speed (tryspeed.com) is a custodial Bitcoin Lightning & USDT processor charging up to 1.0% on merchant checkouts/withdrawals while holding received balances inside a custodial Speed account.
Switch trigger: Switch when you want 100% non-custodial direct wallet finality across Solana, Base, Arbitrum, EURC, and TRON USDT at a flat 0.5% fee.
ALFAcoins is a legacy custodial crypto payment processor charging 0.99% per transaction while holding merchant funds until minimum coin withdrawal thresholds are met.
Switch trigger: Switch when 0.99% custodial fees, minimum payout lockups, and missing Solana/Base/L2 stablecoin rails slow down your store.
ForumPay positions itself as an enterprise crypto-to-fiat bank settlement processor (~1.0%–1.5%+ custom enterprise pricing and FX spreads) requiring sales-gated merchant underwriting.
Switch trigger: Switch when you prefer keeping 99.5% in on-chain USDC/EURC/USDT at a 0.5% fee with instant self-serve API, POS, and SDK onboarding.
xMoney (formerly Utrust, MultiversX ecosystem) charges ~1.0% merchant processing plus custodial fiat/crypto settlement holds and KYB underwriting before live checkout.
Switch trigger: Switch when you want 0.5% non-custodial EURC, USDC, and USDT settlement straight to your own wallet with zero custodial account holds.
Alchemy Pay is primarily a custodial fiat-to-crypto ramp and enterprise merchant acquirer (~1.0%–3.5%+ ramp/processing fees) requiring enterprise onboarding contracts.
Switch trigger: Switch when you need pure 0.5% non-custodial merchant crypto checkout, SaaS recurring billing, POS, and AI agent MCP tools.
Radom offers Web3 SaaS billing and checkout links starting around 0.5%–1.5%+ depending on billing features, smart-contract pulls, and enterprise plan tiers.
Switch trigger: Switch when you want flat 0.5% pricing across all features, QR Direto de Corretoras (Binance/Bybit) conversion, 20 CMS/hosting plugins, and 21-tool MCP + A2A agent support.
Slash Web3 Payments routes buyer tokens through DEX liquidity pools on EVM chains (exposing payers to DEX swap slippage and pool liquidity limits).
Switch trigger: Switch when you need TRON TRC-20 USDT, Solana USDC, TON, Bitcoin, zero DEX slippage, Exchange QR support, and 20 global e-commerce plugins.
MoonPay Commerce (post-Helio acquisition) charges 1.0%–2.0% on creator/merchant checkouts unless holding paid pass tiers, plus 3.5%–4.5%+ spreads on MoonPay fiat-card ramp flows.
Switch trigger: Switch when you want flat 0.5% non-custodial crypto checkout with zero membership pass gates, TRON TRC-20 + Binance/Bybit QR, 24 CMS plugins, and AI agent MCP/x402 billing.
SpherePay focuses on Solana-centric payment orchestration and KYB-gated fiat/ach off-ramp rails with custom enterprise fee schedules.
Switch trigger: Switch when you want 100% self-custodial multi-chain settlement across 12 networks (not just Solana/select EVM), 24 ready storefront plugins, and transparent 0.5% pricing.
Loop Crypto bills EVM/Solana recurring subscriptions via ERC-20 wallet allowance pulls, charging percentage fees plus tiered SaaS plans for advanced billing features.
Switch trigger: Switch when buyers refuse unlimited ERC-20 pull allowances or want to pay renewals from Binance, Bybit, TRON TRC-20, TON, Hardware Wallets, or Safe multisigs at 0.5%.
BoomFi positions an all-in-one crypto checkout and custodial/semi-custodial fiat settlement suite (~0.5%–1.0%+ plus FX/off-ramp fees and enterprise contract tiers).
Switch trigger: Switch when you want zero custodial middlemen, open-source v1.0.0 storefront plugins, QR Direto de Corretoras tolerance, and AI agent MCP + A2A v1.0 protocols.
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.
Switch trigger: 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.
0xProcessing operates a custodial enterprise merchant-wallet processor (~0.5%–1.5% negotiated fees + internal hot-wallet sweeps and withdrawal rules) requiring sales onboarding.
Switch trigger: Switch when treasury security demands zero processor custody, $0 sweep/withdrawal fees, instant self-serve API keys, and deterministic user_id deposit webhooks.
Custodial processors frequently stack a 0.8%–1.5% checkout fee on top of withdrawal fees, auto-conversion FX spreads, and rolling reserves. XPayr charges a single flat 0.5% (50 bps) gateway fee and routes 99.5% directly into your connected wallet on confirmation.
Servidor BTCPay is excellent for sovereign Bitcoin-only node operators who maintain their own DevOps and RPC infrastructure. XPayr preserves liquidação em carteira 100% não custodial while eliminating full-node maintenance across TRON TRC-20, Solana, Base, Arbitrum, Polygon, BNB Chain, Ethereum, and Circle Arc.
Yes. Use our 15-Minute Provider Migration Hub (/migrate) to map webhook payloads, verify HMAC-SHA256 signatures on Testnet, and run XPayr alongside your existing gateway during cutover.
XPayr ships an official 21-tool MCP server (@xpayr/mcp-server on NPM and io.github.xpayrcom/xpayr-mcp-server on the Official Anthropic MCP Registry), a zero-install remote JSON-RPC endpoint (POST /api/mcp), and HTTP 402 agentic API paywall blueprints (/x402).