XPay Labs（简称 xpay）是一款私有化、容器化的自托管加密支付基础设施，支持 TRON、所有 EVM 链（Ethereum、BSC、Polygon、Arbitrum、Optimism、Avalanche）和 SUI。完全非托管、白标商户网关，专为开发者打造。原生多商户架构—单套部署支持无限商户入驻，独立 API 凭证和可配置费率结构。
Self-hosted crypto payment gateway core (Spring Boot).
Merchant dashboard for XPayLabs self-hosted crypto payment gateway (Vue 3 + Element Plus).
Self-hosted white-label crypto payment checkout page. Vue 3 + TypeScript multi-chain payment UI for USDT/USDC.
Full e-commerce Vue 3 demo with XPay Labs crypto payment integration. Product catalog, cart, and USDT/USDC checkout.
Self-hosted, non-custodial crypto payment gateway — multi-chain USDT/USDC payments with Docker Compose
React example app demonstrating XPay Labs self-hosted crypto payment gateway SDK integration with QR codes and webhooks.
V1.0 — XPay Labs (often called xpay) is a private, containerized, self-hosted payment infrastructure supporting TRON, all EVM chains, and SUI. Fully non-custodial, white-label merchant gateways engineered for optimal developer power.
XPay Labs (xpay) is an open source, self-hosted crypto payment gateway that lets you accept stablecoin payments (USDT, USDC) across TRON (TRC20), EVM chains (Ethereum, BSC, Polygon, Arbitrum, Optimism, Avalanche), and SUI — with zero gateway fees and full control over your private keys. Multi-tenant by design — host unlimited merchants on a single deployment with isolated credentials and configurable fee structures. A non-custodial BitPay alternative for developers who want to own their payment infrastructure.
Website · Documentation · Pricing · Blog
Processing $100,000/month in crypto payments (public rates as of Aug 2026):
| Gateway | Transaction Fee | Monthly Fee | Annual Cost | Savings vs XPay |
|---|---|---|---|---|
| XPay Labs | 0% | $0 | ~$240 (VPS) | — |
| NowPayments | 0.5%+ (single-currency base) | $0 | ~$6,000+ | Save ~$5,760+ |
| Coinbase Business | ~1% | $0 | ~$12,000 | Save ~$11,760 |
| BitPay | 2% + $0.25 (<$500k/mo) | $0 (volume-tiered) | ~$24,000+ | Save ~$23,760+ |
Coinbase Commerce’s portal became inaccessible after March 31, 2026 (legacy Commerce was 1% and self-custodial). XPay Labs is free MIT-licensed software. You pay only blockchain gas costs (~$0.02-$0.50/tx) and your VPS bill.
| Feature | XPay Labs | BitPay | Coinbase Business | NowPayments |
|---|---|---|---|---|
| Fees | Zero (only gas) | 2%+$0.25 entry (<$500k); 1% at ≥$1M | ~1% | 0.5%+ (higher w/ conversion) |
| Custody | Non-custodial | Custodial | Custodial | Custodial or non-custodial |
| Chains | TRON, EVM, SUI | BTC, ETH, LTC + tokens | Major EVM (USDC-focused) | BTC, ETH, 50+ |
| White-label | Yes | Limited | Limited | Yes |
| Deployment | Self-hosted (Docker) | Hosted | Hosted | Hosted |
| License | MIT | Closed | Closed | Closed |
| Webhooks | HMAC-signed, retry queue | Limited | Basic | Basic |
# Clone the official deployment repo
git clone https://github.com/yan253319066/XPayLabs-docker.git
cd XPayLabs-docker
# Deploy the gateway
docker compose up -d
Edit .env to set XPAY_SEED_PHRASE, RPC endpoints, and your webhook URL. The gateway is available at http://localhost:180 (controlled by HOST_PORT_GATEWAY_HTTP in .env).
See the deployment documentation for Docker Compose and Kubernetes guides.
npm install
npm run dev
Open http://localhost:3000 in your browser.
| Repository | Description |
|---|---|
| XPayLabs-docker | Docker Compose deployment |
| XPayLabs-java | Gateway core — Spring Boot |
| XPayLabs-merchant-vue | Merchant dashboard — Vue 3 |
| XPayLabs-sui-node-service | SUI RPC proxy — Express |
| XPayLabs-checkout | Checkout page (Vue 3) |
| XPayLabs-docs | Documentation (Mintlify) |
| XPayLabs-node-sdk | Node.js SDK |
| XPayLabs-java-sdk | Java SDK |
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GitHub: yan253319066/XPayLabs Gitee (mirror): XPayLabs/XPayLabs