XPay Labs (xpay) vs BTCPay Server: Which Self-Hosted Crypto Gateway Wins in 2026?
Both XPay Labs and BTCPay Server are excellent self-hosted crypto payment gateways — but they serve different needs. This comparison breaks down every dimension so you can choose the right one for your business.
Quick Verdict
Choose XPay Labs (xpay) if you need stablecoin payment infrastructure on TRON, EVM chains, or SUI with sub-second detection, a clean REST API, and true white-label checkout. Choose BTCPay Server if you need Bitcoin and Lightning support, a mature plugin ecosystem, or serve a Bitcoin-native merchant base. For multi-chain stablecoin merchants, XPay Labs is the better choice. For Bitcoin-first merchants, BTCPay Server remains unmatched.
Feature Comparison
| Feature | XPay Labs (xpay) | BTCPay Server | Winner |
|---|---|---|---|
| Chain Support | TRON (TRC-20), EVM (Ethereum, BSC, Polygon, Arbitrum, Base, 15+), SUI | Bitcoin, Lightning, Liquid, Ethereum, BSC, Polygon — community plugins vary | XPay Labs — broader EVM + SUI + TRON |
| Stablecoin Support | Native — USDT, USDC, DAI out of the box on all chains | Via plugins — USDT/USDC on Ethereum/BSC/Polygon only | XPay Labs — first-class stablecoin architecture |
| Transaction Fees | 0% — no gateway fees, only network gas | 0% — no gateway fees, only network fees | Tie |
| Custody Model | Non-custodial — keys in Docker, no third-party access | Non-custodial — keys on your server | Tie |
| Payment Detection | Mempool-level, 1-6 seconds across all chains | Block-level, typically 30s-10min depending on blockchain | XPay Labs — sub-second detection on all chains |
| Deployment | Single docker-compose.yml file | Multi-container with many opt-in services | XPay Labs — simpler deployment |
| API Design | Stripe-inspired REST API — clean, predictable, versioned | Greenfield API — powerful but more complex | XPay Labs — developer-first DX |
| Webhook System | HMAC-SHA256 signed, configurable retry, delivery logs | Webhook support, HMAC optional, fewer delivery guarantees | XPay Labs — signed webhooks by default |
| White-Label Checkout | Full customization — CSS variables, no iframes, no branding | Pre-built checkout with customization options | XPay Labs — true white-label |
| Community & Ecosystem | Early-stage, smaller community, fewer plugins | Mature, large community, extensive plugin ecosystem | BTCPay Server — established ecosystem |
| Bitcoin & Lightning | Not supported — stablecoin-first architecture | First-class Bitcoin and Lightning support | BTCPay Server — Bitcoin-native |
| Fiat Conversion | Not built-in — on-chain stablecoin settlement only | Via plugins — selective fiat integration options | BTCPay Server — more off-ramp options |
| Documentation | Clean, concise, Stripe-style docs with quickstart | Extensive wiki documentation contributed by community | Subjective — XPay Labs is more polished, BTCPay is more comprehensive |
Chain Support: The Biggest Difference
The most significant difference between XPay Labs and BTCPay Server is blockchain support. BTCPay Server was built for Bitcoin — its Ethereum and Polygon support came later via community plugins. XPay Labs was built from scratch as a multi-chain, stablecoin-first gateway.
XPay Labs (xpay) Chains
- TRON (TRC-20 USDT, USDC)
- Ethereum & EVM (20+ chains)
- BNB Chain, Polygon, Arbitrum, Optimism
- Base, Avalanche, zkSync, Linea, Scroll
- SUI native support
- ✕ No Bitcoin or Lightning
BTCPay Server Chains
- Bitcoin (first-class)
- Lightning Network (LNURL, LNBits)
- Liquid Network
- Ethereum, BSC, Polygon (plugins)
- ✕ No TRON support
- ✕ No SUI support
When to Choose Each Gateway
Choose XPay Labs (xpay) If...
- → You process stablecoin payments (USDT, USDC) on TRON, EVM chains, or SUI
- → You need sub-second payment detection for real-time checkout
- → You want a Stripe-quality API with HMAC-signed webhooks
- → You need true white-label checkout with no third-party branding
- → You prefer a single docker-compose.yml deployment
- → You want clean, modern documentation with quickstart guides
Choose BTCPay Server If...
- → You need Bitcoin and Lightning Network support
- → You want a large, mature plugin ecosystem
- → You need a well-established community and third-party integrations
- → You want fiat off-ramp options via plugins
- → You serve Bitcoin-native merchants or customers
- → You need tried-and-tested infrastructure with years of production use
Ready to Try XPay Labs (xpay)?
Deploy your own self-hosted crypto payment gateway in under 30 minutes. Zero transaction fees, non-custodial security, and multi-chain support. No signup, no KYC — just Docker.