Atomic 99.5% / 0.5% Smart-Contract Split Visualizer.

How does XPayr split 99.5% and 0.5% without holding merchant funds?

In Web3 1-Click Mode, the buyer calls XPayr immutable PaymentSplitter contract, which transfers 9,950 bps (99.5%) straight to your merchant wallet and 50 bps (0.5%) to the XPayr fee collector in the exact same block. If either transfer reverts, the entire transaction reverts atomically.

Why do custodial gateways lose extra money on deposit-address sweeping?

Custodial processors spin up disposable deposit wallets per order, then execute a second sweep transaction (costing $0.50–$3.50 on Ethereum or TRON TRC-20) to move funds into their hot pool before charging another payout fee. XPayr settles in 1 hop with $0 sweep gas.

How are token decimals (6 vs 18 decimals) handled on-chain?

USDC, USDT, and EURC use 6 decimals on EVM/Solana/TRON (so $100.00 = 100,000,000 raw units -> 99,500,000 merchant + 500,000 fee), whereas DAI and BSC-bridged tokens often use 18 decimals. Use this visualizer to inspect exact integer base units with zero rounding drift.

What happens in Direct Exchange QR Mode when no smart contract is invoked by the exchange?

In Direct Exchange QR Mode (/qr-payments), 100% of the exchange withdrawal lands directly in your merchant wallet address, and XPayr records the 0.5% fee transparently on your non-custodial merchant ledger.

Partner revenue

Partner & Affiliate Earnings Calculator

Model your recurring 30% RevShare and CPA earnings across referred merchants and volume.

Fee savings

Crypto Payment Fee Calculator

Compare your current processor cost with XPayr flat 0.5% gateway pricing.

Network choice

USDT Network Cost Estimator

Choose the right stablecoin rail across TRON, Ethereum, Solana, Polygon, and BNB Chain.

Launch readiness

Crypto Payment Readiness Checker

Score whether your business is ready for links, widgets, API checkout, and mainnet review.

Settlement design

Stablecoin Settlement Planner

Model accepted assets, preferred settlement asset, routing complexity, and operational controls.

Checkout preview

Testnet Checkout Simulator

Walk through session creation, wallet payment, confirmation, webhook, and reconciliation.

Developer QA

Webhook Tester

Generate sample payment events, headers, HMAC signatures, and verification snippets locally.

No-code embed

Crypto Payment Button Generator

Customize an embeddable multi-chain crypto checkout button with live modal preview and HTML/React snippets.

AI Agent QA

Interactive MCP Server Playground

Execute live JSON-RPC 2.0 tool calls against https://xpayr.com/api/mcp and inspect all 21 AI agent tools.

Agent guardrails

AI Agent Spending Policy Simulator

Model per-tx limits, daily caps, auto-approval thresholds, and chain whitelists for autonomous AI commerce agents.

License Kit QA

ES256 Wallet License Verifier

Simulate cryptographic wallet-bound software licenses for extensions, plugins, and SaaS with @xpayr/extension-kit (v0.2.0).

Treasury payouts

Batch Payout & Treasury Dispersion Planner

Model non-custodial multi-recipient payouts (10 to 5,000 wallets), gas savings, and JSON manifests for XPayr Payout Hub.

Zero chargebacks

Chargeback & Dispute Loss ROI Calculator

Calculate annual profit lost to card chargebacks, $15-$25 dispute fees, and rolling reserves vs XPayr 0.5% non-custodial finality.

B2B invoicing

Crypto Invoice & Payment Link Studio

Build itemized B2B USDT/USDC invoices, preview 99.5% direct wallet splits, and copy ready-to-run API v1 & MCP session payloads.

Retail & POS

Crypto POS & QR Register Simulator

Simulate in-person retail & hospitality counter bills with optional tips, instant QR checkout, and 0.5% split vs card FX fees.

CFO & ERP audit

Crypto Accounting & ERP Export Simulator

Generate balanced QuickBooks CSV, Xero CSV, and NetSuite JSON journal entries with 99.5% / 0.5% splits and tx_hash proofs.

Exchange QR QA

Exchange Fee & Underpayment Tolerance Simulator

Model Binance/Bybit/OKX withdrawal fee deductions against XPayr 1% (max $0.50) tolerance and preview underpaid_accepted webhooks.

9-Chain Benchmark

Multi-Chain Gas, Finality & Net Treasury Comparator

Rank Base, Arbitrum, Optimism, Polygon, Solana, BNB Chain, TRON TRC-20, Ethereum, and Circle Arc by gas cost, finality, and 99.5% net take-home.

8-Stack Codegen

Multi-Language API & Webhook Code Generator

Generate zero-placeholder checkout, HMAC-SHA256 webhook, HTTP 402 paywall, and ES256 license snippets across 8 stacks (Node.js, Python, PHP, Go, Rust, Ruby, Next.js, cURL).

HTTP 402 & AI APIs

HTTP 402 API Paywall & x402.json Builder

Design 402 Payment Required machine paywalls, /.well-known/x402.json manifests, and offline ES256 JWKS middleware for Express, Next.js, FastAPI, and Cloudflare Workers.

SaaS Retention ROI

SaaS Subscription Churn & Decline Recovery Calculator

Quantify annual ARR rescued from cross-border card declines, 3.9%+ FX/MoR fees, and subscription disputes by adding XPayr 0.5% USDC/USDT billing.

XPayr · Built on Arc Network

USDC Gas Calculator for Arc Testnet by XPayr

Estimate an Arc Testnet transaction budget in USDC using the gas inputs you provide. This XPayr tool is a planner, not a Mainnet quote.

XPayr · Built on Arc Network

USDC Bridge Planner for Arc Testnet by XPayr

Plan a USDC route into or out of Arc Testnet, separate the bridge amount from the XPayr operation fee and continue to wallet-signed execution.

XPayr · Built on Arc Network

Stablecoin Swap Planner for Arc Testnet by XPayr

Preview a same-chain stablecoin conversion, slippage budget and XPayr operation fee before requesting an executable quote.