XPayr Review (2026) — Non-Custodial Crypto Payment Gateway, 0.5% Fee

Overview

XPayr is a non-custodial crypto payment gateway that lets merchants accept crypto checkout across EVM, TRON, and Solana with a single flat 0.5% gateway fee and direct-to-wallet settlement. XPayr does not custody merchant funds, store private keys, or operate withdrawal wallets — confirmed payments settle on-chain to the configured merchant wallet.

Merchants can launch checkout via payment links, widgets, buttons, donation pages, hosted checkout, or full API/webhooks. XPayr also supports player deposit mapping for gaming and iGaming operations, a Payout Hub for staff, affiliate, reward and tournament batches, a Settlement Router for preferred stablecoin routing, and permit-based gasless settlement for supported tokens via Fee Delegation.

Supported rails include TRON USDT and Solana SOL, USDC, and USDT, plus 30+ EVM tokens. Merchants can test the full payment flow on testnet (with a free faucet) before mainnet activation, and mainnet remains review-gated for lawful licensed operators — making XPayr particularly suited to licensed iGaming, casino, poker, betting and tournament operators.

XPayr is also building swap and bridge tools (same-chain swaps, USDC bridge, cross-chain conversions, Unified USDC) and is an early ARC network payment infrastructure partner, with ARC USDC checkout, deterministic sub-second finality, and agent-ready payment controls verified on ARC testnet.

Best for: crypto-native merchants, iGaming and gaming operators, and businesses that want non-custodial, direct-to-wallet settlement with transparent flat-fee pricing across EVM, TRON, and Solana.

Fees & Pricing

Gateway fee

Flat 0.5% per successful payment.
Network gas is separate (paid by the payer on-chain).
No setup fee, no monthly fee, no reserve hold.

Example settlement

Sale amount: $1,000.00
XPayr fee (0.5%): −$5.00
Reserve hold: $0.00
Net payout: $995.00 — direct to merchant wallet after confirmation.

Coming-soon tools (separate fees)

Swap: 0.35%
USDC Bridge: 0.30%
Cross-chain Swap: 0.35%
Unified USDC: 0.45%

Features & Integrations

Checkout options

Payment links, widgets, buttons, donation pages, hosted checkout.
Full API and webhooks for automation.
Testnet faucet for safe pre-mainnet testing.

Settlement

Direct-to-wallet on-chain settlement — no custody.
Settlement Router for preferred stablecoin routing.
Permit-based gasless-ready settlement for supported tokens (Fee Delegation).

Operations

Player Deposit Mapping — map deposits to players, users, orders, or internal references.
Payout Hub — prepare staff, affiliate, reward, cashback and tournament batches without XPayr holding funds.

Supported rails

EVM (30+ tokens), TRON USDT, Solana SOL/USDC/USDT.
Early ARC network support (USDC checkout, sub-second finality, agent payments).

iGaming-ready

Casino, poker, betting, tournament and contest operators can test freely; mainnet is controlled for lawful licensed operators.

Pros & Cons

Pros

Non-custodial — no fund custody, no stored private keys, no withdrawal wallets
Flat transparent 0.5% gateway fee — no setup or monthly fees
Direct-to-wallet on-chain settlement
Multi-chain: EVM (30+ tokens), TRON USDT, Solana SOL/USDC/USDT
Checkout links, widgets, buttons, hosted checkout and full API/webhooks
Player deposit mapping for gaming/iGaming reconciliation
Payout Hub for staff, affiliate, reward and tournament batches
Settlement Router for preferred stablecoin routing
Gasless-ready permit-based settlement for supported tokens
Free testnet with faucet before mainnet
Early ARC network infrastructure partner
Licensed iGaming-ready (casino, poker, betting, tournaments)

Cons

Newer platform — limited public track record vs. established gateways
Mainnet is review-gated, not fully open for all merchants
No native fiat settlement — crypto/direct-to-wallet only
Network gas is separate (payer bears on-chain cost)
Swap and bridge tools still coming soon
No built-in card or traditional fiat rails
Best suited to crypto-native and iGaming merchants, not general fiat commerce

Frequently Asked Questions

What is XPayr?

XPayr is a non-custodial crypto payment gateway for merchants that need checkout links, widgets, buttons, API payments, player deposit mapping, Payout Hub batch preparation, preferred stablecoin settlement, and direct-to-wallet settlement across EVM, TRON, and Solana rails.

What is XPayr’s fee?

A flat 0.5% gateway fee per successful payment. Network gas is separate and paid on-chain by the payer. There is no setup fee, no monthly fee, and no reserve hold.

Does XPayr hold merchant funds?

No. XPayr does not custody merchant funds, store merchant private keys, or operate withdrawal wallets. Confirmed payments settle on-chain directly to the configured merchant wallet.

Which blockchains and tokens are supported?

EVM (30+ tokens), TRON USDT, and Solana SOL, USDC, and USDT. XPayr is also an early ARC network partner with USDC checkout verified on ARC testnet.

How fast can we test XPayr?

Create a free merchant account, open a testnet payment session, connect a wallet, and verify checkout, confirmation, invoice status, and webhook behavior before mainnet. A free testnet faucet is available.

Is XPayr suitable for iGaming?

Yes. Casino, poker, betting, tournament and contest operators can test freely on testnet; mainnet remains controlled for lawful licensed operators. Player deposit mapping and Payout Hub are built for gaming operations.

What is the Payout Hub?

Payout Hub lets merchants prepare staff payments, affiliate commissions, rewards, cashback, and tournament batches without XPayr holding payout funds.

XPayr