Cryptocurrency Payment Processor
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Why Traditional Payment Methods Are Failing Online Merchants
Imagine running a digital product store, offering courses or software subscriptions. You're excited to reach global customers but find yourself facing a myriad of challenges with traditional payment processors like Stripe, PayPal, and Square. These platforms charge exorbitant fees, up to 3% per transaction plus an additional 30 cents. They also hold funds for extended periods—sometimes even up to 180 days—and reject "high-risk" businesses due to their stringent policies. This is where XPayr steps in as the innovative, non-custodial solution that offers better terms.What Makes XPayr Different?
XPayr (xpayr.com) is a next-generation crypto payment gateway that caters to the needs of modern e-commerce and digital product sellers. Unlike traditional processors, XPayr doesn't hold funds; instead, it uses non-custodial smart contracts for secure transactions. This means your customers' cryptocurrencies go directly into your wallet without intermediaries.
Another key feature is its flat 0.5% transaction fee, which remains consistent and predictable, unlike the variable charges of Stripe or PayPal. XPayr supports multi-chain payments, including Ethereum, Binance Smart Chain (BSC), Polygon (MATIC), Arbitrum, Avalanche, Optimism, Base, and Solana. With over 30 tokens supported, it's a versatile platform for any type of transaction.
XPayr vs Traditional Payment Processors: A Side-by-Side Comparison
| Feature | XPayr | Stripe | PayPal | BitPay |
|---|---|---|---|---|
| Fees | 0.5% flat fee per transaction | 2.9% + 30¢ per transaction | 3.49% + 49¢ per transaction | 1-2% per transaction |
| Settlement Time | Instant settlement | 2-7 days for transactions, up to 180 days hold time | 1-3 days for transactions, up to 180 days hold time | 1-3 days for transactions |
| Chargebacks | No chargebacks; payments are irreversible | Yes, chargeback risk exists | Yes, chargeback risk exists | No chargebacks; payments are irreversible |
| High-risk Merchant Categories | Accepted | Rejected or restricted categories | Restricted or limited access for high-risk businesses | Limited support for some high-risk categories |
| Custodial Architecture | No, non-custodial architecture | Yes, custodial model with security risks | Yes, custodial model with security risks | Mixed, depends on the merchant and transaction |
Developer-Friendly Tools for a Smooth Integration
For developers looking to integrate cryptocurrency payment processing into their platforms, XPayr offers several robust tools. The xpayr.js SDK provides a Stripe-like JavaScript integration, enabling you to add crypto payments with just two lines of code. Additionally, the RESTful API v1 allows full management of the payment lifecycle, and HMAC-SHA256 webhook signatures ensure secure notifications.Security Features That Ensure Peace of Mind
XPayr takes security seriously with features like rate limiting (100 requests per minute in live mode), IP whitelisting, and audit logging. Webhook signature verification further enhances the security of your transactions, ensuring data integrity.Frequently Asked Questions
XPayr uses non-custodial smart contracts, meaning your customers' cryptocurrencies go directly into your wallet. This eliminates the risk of centralized security breaches and ensures that your funds remain secure at all times.
Yes, XPayr supports over 30 tokens across various blockchain networks. This flexibility allows you to accept a wide range of popular cryptocurrencies like USDT, USDC, ETH, BNB, MATIC, SOL, AVAX, DAI, and more.
The xpayr.js SDK provides a simple integration with just two lines of code. Additionally, the RESTful API v1 and hosted checkout pages make it easy for developers to manage payment lifecycles and handle transactions smoothly.
XPayr accepts a wide range of high-risk merchant categories, including adult content, IPTV, software as a service (SaaS) providers, and more. Unlike traditional processors, XPayr doesn't reject these businesses due to stringent policies.