Custody boundary
0.5%flat gateway fee
No custodymerchant wallet control
Testnetbefore mainnet review
Webhooksoperational records
Accept crypto payments without turning XPayr into your wallet.
XPayr is built as non-custodial payment infrastructure. Merchants keep wallet control while XPayr handles sessions, status records, routing context, and webhooks.
Non-custodial settlement means XPayr does not hold merchant funds as an internal balance, store merchant private keys, pool merchant assets, or operate a withdrawal wallet. Payment behavior follows the configured wallet, network, token, and route settings.
01
Merchant registers supported wallet and rail settings.
02
Checkout shows only enabled network and token routes.
03
Customer signs the payment from their own wallet.
04
XPayr confirms status and records the payment lifecycle for operations.
Who pays gas?
Gas is paid according to the selected network and wallet flow. XPayr does not remove base chain costs.
Operational limit
Non-custodial infrastructure does not remove merchant review, licensing requirements, tax duties, or wallet operational responsibility.
FAQ
What problem does this XPayr flow solve?
Non-custodial settlement means XPayr does not hold merchant funds as an internal balance, store merchant private keys, pool merchant assets, or operate a withdrawal wallet. Payment behavior follows the configured wallet, network, token, and route settings.
Who pays gas or network fees?
Gas is paid according to the selected network and wallet flow. XPayr does not remove base chain costs.
What should merchants not assume?
Non-custodial infrastructure does not remove merchant review, licensing requirements, tax duties, or wallet operational responsibility.
Need to prove the flow before production?
Use testnet checkout, API docs, webhook guides, and operational explainers before asking for mainnet activation.