Choose by operating model, not just feature count.
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.
Gateway comparison
XPayr против MoonPay Commerce
A direct comparison for merchants evaluating crypto checkout, расчет кошелька, stablecoin rails, fees, API/webhooks, testnet evaluation, and operational payment records.
Fee comparison needs context.
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.
XPayr взимает фиксированную комиссию шлюза 0.5% gateway fee per successful transaction before network gas, swap, bridge, or third-party route costs.
MoonPay CommerceWhere each platform fits
| Decision area | XPayr | MoonPay Commerce |
|---|---|---|
| Комиссия шлюза without paid pass | Flat 0.5% (50 bps) for every merchant from day one ($0/mo). | Up to 2.0% standard crypto checkout fee without paid pass/enterprise tier. |
| Global Exchange QR & TRON USDT | Native TRON TRC-20, TON, Solana & EVM + 1% ($0.50 max) CEX QR tolerance. | Primarily Solana/EVM Web3 wallet & Shopify/creator link focus. |
| Storefront & hosting plugins | 24 integrations (WooCommerce, Shopify, Medusa, Ghost, WHMCS, Next.js). | Focused on Shopify, Discord, and hosted pay links. |
| Software licensing & HTTP 402 | Built-in ES256 Комплект лицензий (/license-kit) & HTTP 402 API paywalls (/x402). | Not designed for offline JWT software licensing or HTTP 402 APIs. |
| AI Agent & MCP Server Integration | Official 21-tool Model Context Protocol server (@xpayr/mcp-server on NPM & Official Anthropic MCP Registry io.github.xpayrcom/xpayr-mcp-server), OpenAPI 3.1.0 playground (api-docs.xpayr.com), and policy-controlled AI agent commerce. | Check official provider documentation for current AI agent or MCP protocol support. |
When XPayr is the cleaner choice
XPayr cuts checkout fees by 50%–75% down to a flat 0.5% ($0 pass/subscription required), adds TRON TRC-20 USDT and TON alongside Solana/EVM, includes Прямой QR с криптобирж with 1% tolerance, and ships an official 21-tool MCP server.
- Creators, SaaS apps, and e-commerce brands tired of paying 1.0%–2.0% or buying NFT/SaaS passes for lower rates.
- Global merchants whose customers pay in TRON TRC-20 USDT, TON, or directly from Binance, Bybit, and OKX.
- Developers shipping AI APIs (/x402), MCP workflows (/mcp), or wallet-bound software licenses (/license-kit).
When MoonPay Commerce may still win
MoonPay Commerce fits consumer drops that prioritize custodial credit-card-to-crypto MoonPay on-ramps over pure stablecoin/crypto margins.
- Consumer NFT/creator drops that specifically need MoonPay custodial credit-card on-ramps.
Questions before choosing
Is XPayr cheaper than MoonPay Commerce?
XPayr взимает фиксированную комиссию шлюза 0.5% gateway fee per successful payment before chain gas or route costs. The right comparison depends on the competitor flow, conversion settings, network fees, settlement model, and merchant volume.
When should a merchant choose XPayr?
XPayr cuts checkout fees by 50%–75% down to a flat 0.5% ($0 pass/subscription required), adds TRON TRC-20 USDT and TON alongside Solana/EVM, includes Прямой QR с криптобирж with 1% tolerance, and ships an official 21-tool MCP server.
When might MoonPay Commerce still be better?
MoonPay Commerce fits consumer drops that prioritize custodial credit-card-to-crypto MoonPay on-ramps over pure stablecoin/crypto margins.
Does XPayr support AI agents and the Model Context Protocol (MCP) compared with MoonPay Commerce?
Yes. XPayr provides an official 21-tool MCP server (@xpayr/mcp-server on NPM and io.github.xpayrcom/xpayr-mcp-server on the Official Anthropic MCP Registry) plus policy-controlled AI agent payment intents with human-in-the-loop approval guardrails.