XPay LabsXPay Labs
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BitPay Alternative

BitPay Alternative — Self-Hosted Crypto Payment Gateway

BitPay pioneered crypto payments for merchants, but its custodial model, high fees, and limited chain support leave growing businesses wanting more. XPay Labs is the self-hosted, non-custodial alternative — full control, zero monthly fees, and multi-chain by design.

View Deployment GuideXPay Labs Overview

Why Merchants Are Looking for a BitPay Alternative

High Fees

BitPay charges 1% per transaction plus a monthly plan fee starting at $30/month. For a business processing $100k/month, that's over $12k/year in fees alone.

Custodial Risk

BitPay holds settlement funds and pays out on a schedule. You don't control the private keys. If BitPay freezes, delays, or restricts your account, your funds are inaccessible.

Limited Chain Support

BitPay supports BTC, BCH, ETH, and a handful of stablecoins. For merchants serving users on TRON (USDT), SUI, or L2 networks like Arbitrum and Base, there is no native support.

BitPay vs XPay Labs — Side by Side

FeatureBitPayXPay Labs
Transaction Fees1% per transaction0% (gas only)
Monthly Plan Fee$30 – $300+/month$0 (self-hosted)
Custody ModelCustodial — BitPay controls keysNon-custodial — you control keys
Settlement ControlScheduled payouts (manual)Instant — funds arrive in your wallet
Supported ChainsBTC, BCH, ETH, LTC, DOGE, 5 stablecoinsTRON, EVM (ETH, BNB, Polygon, Arbitrum, Optimism, Base), SUI
White-Label CheckoutBitPay branding requiredFull white-label (your brand)
Source AccessClosed-source (proprietary)Source-available (XPay License)
DeploymentCloud (SaaS)Self-hosted (Docker, VPS, bare metal)
KYC RequirementsRequired (business verification)None (self-sovereign)
Webhook / APIREST API + IPNREST API + HMAC-signed webhooks

Detailed Feature Comparison

Pricing & Fees

BitPay's fee structure combines a 1% transaction fee with a monthly plan ($30/month for Starter, $300/month for Business, custom pricing for Enterprise). For a business doing $50k/month in crypto revenue, BitPay costs $500 in transaction fees plus the monthly plan — over $6,000/year.

XPay Labs charges 0% transaction fees and $0 monthly fees. As a self-hosted solution, your only costs are server hosting (as low as $10/month on a VPS) and blockchain network gas fees (typically fractions of a cent per transaction on TRON or L2s). Over a year, that's a savings of thousands of dollars.

Custody & Key Management

BitPay uses a custodial model. When a customer pays, the funds go to BitPay's wallet. BitPay then settles to your bank account or crypto wallet on a schedule. You never hold the private keys. This introduces counterparty risk: if BitPay experiences regulatory issues, technical outages, or account restrictions, your funds are at risk.

XPay Labs is fully non-custodial. Every invoice generates a unique deposit address derived from your own node seed — held exclusively inside your Docker container. Funds settle directly to your wallet in real-time. No third party touches your money, no withdrawal delays, no account freeze risk. Your keys, your coins.

Chain & Token Support

BitPay supports Bitcoin, Bitcoin Cash, Ethereum, Litecoin, Dogecoin, and five stablecoins (USDC, USDP, GUSD, PAX, BUSD). While this covers the basics, it misses the chains where stablecoin volume is exploding: TRON (TRC-20 USDT), which processes more USDT volume than any other chain; L2 networks like Arbitrum, Optimism, and Base; and emerging chains like SUI.

XPay Labs supports TRON, EVM-compatible chains (Ethereum, BNB Chain, Polygon, Arbitrum, Optimism, Base), and SUI. This covers the vast majority of stablecoin and altcoin payment volume. New chains can be added by the community via pull request — the code is open.

White-Label & Brand Control

BitPay's checkout page and email notifications carry BitPay branding. Merchants on the standard plan cannot remove BitPay logos or customize the checkout domain. Enterprise plans may offer white-label, but at significant additional cost.

XPay Labs is fully white-label by default. The checkout page uses your brand colors, logo, and domain. No "Powered by XPay Labs" badge. Your customers see a seamless, professional checkout experience that reinforces your brand, not a third party's.

Settlement & Payout Control

BitPay aggregates your transactions and issues payouts on a schedule (daily, weekly, or monthly depending on your plan). You cannot access funds immediately unless you pay for instant settlement features. Conversion to fiat is handled by BitPay's partners, adding another layer of delay and cost.

With XPay Labs, settlement is instant and direct. Each invoice's payment goes straight to the derived deposit address that you control. You can sweep funds, swap, or HODL on your own schedule. No waiting for batch payouts, no settlement windows, no intermediary.

DEVELOPER

Developer Experience

BitPay's core infrastructure is closed-source and proprietary. You cannot audit the code, customize the integration, or contribute features. The API is documented but limited to what BitPay decides to expose.

XPay Labs is source-available — every line of code is visible on GitHub. You can audit security, submit pull requests, fork the project, and extend it however you need. The REST API is complemented by HMAC-signed webhooks for secure server-to-server notifications, and the Docker deployment means you can be running in minutes.

Pricing Comparison

B

BitPay

  • 1% transaction fee on every payment
  • $30 – $300+ monthly plan fee
  • Settlement delays (daily/weekly batches)
  • Fiat conversion fees via partners

Estimated annual cost at $50k/mo volume: ~$6,600+

X

XPay Labs

  • 0% transaction fee (gas only)
  • $0 monthly fee (self-hosted)
  • Instant settlement to your wallet
  • No fiat conversion overhead

Estimated annual cost at $50k/mo volume: ~$120 (VPS)

Who Should Switch — And Who Should Stay

Switch to XPay Labs If…

  • •You process over $10k/month and want to eliminate 1% transaction fees
  • •You want full control of private keys and instant settlement
  • •You need TRON (USDT), SUI, L2 support that BitPay doesn't offer
  • •You want a white-label checkout with your own branding
  • •You have DevOps capability to run a Docker container
  • •You want auditable, self-hosted infrastructure
  • •You want to avoid KYC/onboarding delays with payment processors

Stay with BitPay If…

  • •You primarily accept Bitcoin and Bitcoin Cash payments
  • •You need fiat settlement to your bank account (BitPay handles conversion)
  • •You prefer a fully managed SaaS solution with no server maintenance
  • •You have regulatory requirements that mandate a licensed payment processor
  • •You need BitPay's Gift Card purchase and BitPay Wallet ecosystem
Migration Guide

How to Migrate from BitPay to XPay Labs

Migrating payment infrastructure sounds daunting, but the process is straightforward. BitPay and XPay Labs share a similar invoice-based architecture, so the conceptual model maps directly.

1

Deploy XPay Labs

Spin up the XPay Labs Docker container on your VPS or server. Configure environment variables for your node seed, RPC providers, and HMAC secret. Full instructions in the deployment guide.

2

Generate Your Node Seed

XPay Labs derives unique deposit addresses from a BIP-39 mnemonic seed you generate. Back this up securely — it is your master key. Unlike BitPay, you never share this seed with anyone.

3

Update Your Checkout Integration

Replace BitPay API calls with XPay Labs REST API endpoints. The invoice creation flow is similar: create an invoice, get a payment address, and listen for webhook confirmations. Our HMAC-signed webhooks provide the same reliability as BitPay IPN.

4

Redirect Your Customers

Point your checkout flow to your self-hosted XPay Labs checkout page. Because XPay Labs is white-label by default, your customers will never know you switched providers — they'll just see a faster, more polished checkout experience.

5

Monitor & Optimize

Use XPay Labs' webhook logs and invoice dashboard to monitor payment flow. Run both systems in parallel during a transition period to ensure zero downtime. Once comfortable, deactivate your BitPay account.

Pro Tip: Run BitPay and XPay Labs in parallel for 1–2 weeks. Route a percentage of traffic to XPay Labs and compare settlement times, fee savings, and failure rates. You'll see the difference immediately.

Ready to Own Your Payment Infrastructure?

Stop paying 1% per transaction. Stop trusting third parties with your settlement funds. Deploy XPay Labs today and take full control of your crypto payment stack.

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