Test how centralized exchange network deductions (Binance, Bybit, OKX) interact with XPayr's 1% (max $0.50 USD) underpayment tolerance engine — and inspect the exact payment.underpaid_accepted HMAC webhook your backend receives.
When a customer withdraws $100.00 USDT from an exchange like Binance, Bybit, or OKX and forgets to toggle "Add network fee to withdrawal amount," the exchange deducts its $0.19–$1.00 network fee from the principal — delivering $99.00–$99.81 on-chain. Rigid gateways leave the order stuck in Pending.
XPayr lets merchants configure a deterministic underpayment tolerance (defaulting up to 1% of the invoice, capped at $0.50 USD). Whenever an incoming Direct Exchange QR transfer falls within both thresholds, XPayr automatically marks the session accepted and emits a signed payment.underpaid_accepted webhook recording exact invoice_amount, received_amount, and variance.
If the deduction exceeds your configured cap, XPayr protects your margin by classifying the session as underpaid/partial rather than silently giving away inventory — displaying the exact remaining top-up delta or routing to your support/credit workflow (/developers/underpaid-overpaid-handling).
Click Copy Shareable Report Link to copy a stateful URL (?invoice=...&fee=...&pct=...&cap=...) that restores your exact parameters and webhook JSON payload.
Model your recurring 30% RevShare and CPA earnings across referred merchants and volume.
Fee savingsCompare your current processor cost with XPayr flat 0.5% gateway pricing.
Network choiceChoose the right stablecoin rail across TRON, Ethereum, Solana, Polygon, and BNB Chain.
Launch readinessScore whether your business is ready for links, widgets, API checkout, and mainnet review.
Settlement designModel accepted assets, preferred settlement asset, routing complexity, and operational controls.
Checkout previewWalk through session creation, wallet payment, confirmation, webhook, and reconciliation.
Developer QAGenerate sample payment events, headers, HMAC signatures, and verification snippets locally.
No-code embedCustomize an embeddable multi-chain crypto checkout button with live modal preview and HTML/React snippets.
AI Agent QAExecute live JSON-RPC 2.0 tool calls against https://xpayr.com/api/mcp and inspect all 21 AI agent tools.
Agent guardrailsModel per-tx limits, daily caps, auto-approval thresholds, and chain whitelists for autonomous AI commerce agents.
License Kit QASimulate cryptographic wallet-bound software licenses for extensions, plugins, and SaaS with @xpayr/extension-kit (v0.2.0).
Treasury payoutsModel non-custodial multi-recipient payouts (10 to 5,000 wallets), gas savings, and JSON manifests for XPayr Payout Hub.
Zero chargebacksCalculate annual profit lost to card chargebacks, $15-$25 dispute fees, and rolling reserves vs XPayr 0.5% non-custodial finality.
B2B invoicingBuild itemized B2B USDT/USDC invoices, preview 99.5% direct wallet splits, and copy ready-to-run API v1 & MCP session payloads.
Retail & POSSimulate in-person retail & hospitality counter bills with optional tips, instant QR checkout, and 0.5% split vs card FX fees.
CFO & ERP auditGenerate balanced QuickBooks CSV, Xero CSV, and NetSuite JSON journal entries with 99.5% / 0.5% splits and tx_hash proofs.
9-Chain BenchmarkRank Base, Arbitrum, Optimism, Polygon, Solana, BNB Chain, TRON TRC-20, Ethereum, and Circle Arc by gas cost, finality, and 99.5% net take-home.
XPayr · Built on Arc NetworkEstimate 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 NetworkPlan 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 NetworkPreview a same-chain stablecoin conversion, slippage budget and XPayr operation fee before requesting an executable quote.
@xpayr/mcp-serverAll form inputs on this tool automatically sync to the page URL query string for one-click team sharing or autonomous AI execution.