Why Do You Need a Self-Hosted Payment Gateway?
If you're running a business that accepts cryptocurrency payments, you're likely using a third-party service like BitPay, Coinbase Commerce, or NowPayments. These services work — but as your business grows, the pain points become hard to ignore:
- High fees — 0.5%-1% per transaction. At $100k/month volume, that's $6,000-$12,000+ annually
- Custody risk — Your private keys are held by a third party. History shows this doesn't always end well
- Limited branding — Payment pages are constrained to the provider's look and feel
- Chain restrictions — Many providers don't support TRON TRC20 (the largest USDT market) or emerging L1/L2 chains
XPayLabs was built to solve all of these problems.
What Is XPayLabs?
XPayLabs is a self-hosted, non-custodial crypto payment infrastructure. Think of it as "BitPay that you deploy yourself" — but better:
- Fully non-custodial — Private keys never leave your servers
- Zero gateway fees — Pay only blockchain gas costs, nothing else
- 20+ chains — TRON (TRC20), Ethereum, BNB Chain, Polygon, Arbitrum, Optimism, Base, Avalanche, SUI, and more
- Enterprise security — HMAC-signed webhooks, HD wallet derivation, Docker containerized
Core Features
Multi-Chain Support
| Network | Supported Assets | Highlights |
|---|---|---|
| TRON | TRC20 USDT, USDC | 3s block time, $0.02-0.10 fee |
| EVM Chains | Ethereum, BNB Chain, Polygon, Arbitrum, Optimism, Base, Avalanche, zkSync Era, Linea, Scroll, Celo, Mantle, Gnosis, Cronos, Fantom, opBNB, Polygon zkEVM, Metis, Blast, Boba | 20+ EVM-compatible chains |
| SUI | SUI, USDC | 1s finality, <$0.001 fee |
| Custom Tokens | Any ERC20/TRC20 | Declare contract address in config |
Developer Tools
- REST API — Stripe-inspired interface for easy integration
- Webhooks — HMAC-SHA256 signed with exponential backoff retry
- SDKs — Node.js, Python, Go
- Monitoring Dashboard — Real-time mempool visualization and transaction tracking
White-Label Deployment
Full branding customization — your customers will never know you're using XPayLabs. One-click Docker Compose deployment, everything runs on your infrastructure.
Competitor Comparison
| Feature | XPayLabs | BitPay | Coinbase Commerce | NowPayments |
|---|---|---|---|---|
| Fees | 0% (gas only) | 1% per tx | 0.8% + $25/mo | 0.5% per tx |
| Custody | Non-custodial | Custodial | Custodial | Custodial |
| Chains | TRON + Ethereum, BNB Chain, Polygon, Arbitrum, Optimism, Base, Avalanche, 20+ EVM + SUI | BTC, ETH, LTC | ETH, Base, few | BTC, ETH, 50+ |
| White-label | Full | Limited | Limited | Limited |
| Deployment | Self-hosted (Docker) | Hosted | Hosted | Hosted |
| Cost at $100k/mo | ~$10/mo (VPS) | ~$1,000+/mo | ~$1,000+/mo | ~$500+/mo |
Who Should Use XPayLabs?
- E-commerce merchants — Accept crypto payments globally with zero gateway fees
- SaaS platforms — Offer crypto subscription billing to your users
- Gaming platforms — Enable crypto in-game purchases and deposits
- DeFi products — Integrate fiat on/off ramps
- High-volume businesses — Processing $10k+/month? The fee savings alone justify the switch
Pricing
| Plan | Price | Best For |
|---|---|---|
| Basic Setup | $1,500 one-time | First-time deployment with support |
| Business Plan | $3,000/year | Basic Setup + 12mo support + priority fixes |
| Enterprise | Custom | Custom development, dedicated support |
Real ROI Calculation
At $100,000 monthly transaction volume:
- BitPay: ~$12,000/year in fees
- XPayLabs: ~$120/year for a VPS
Annual savings: $11,880+ — and you maintain full control of your funds.
Get Started
Visit the XPayLabs website for technical documentation, API references, and deployment guides.