# Thentic vs xPay

Thentic records 8,735 monthly visits with +80.8% month-over-month growth and Contact for Pricing pricing. xPay records 223,057 monthly visits with +152.8% growth and Paid, Contact for Pricing pricing.

| Metric | [Thentic](https://openaitools.app/tool/thentic) | [xPay](https://openaitools.app/tool/xpay) |
| :--- | :--- | :--- |
| Website URL | https://thentic.tech | https://xpaycheckout.com |
| Categories | Web3, No-Code&Low-Code, Blockchain | AI For Finance, AI Sales, AI Tax Assistant |
| Pricing Model | Contact for Pricing | Paid, Contact for Pricing |
| Monthly Visits | 8,735 | 223,057 |
| MoM Growth Rate | +80.8% | +152.8% |
| Primary Market | Germany | India |
| Direct Visits | 3,618 | 147,131 |
| Review Score | 3.8 | 4.4 |
| Saved Count | 3 | 0 |
| Supported Platforms | Website | Website |

## Thentic

Thentic Pay is the current product of thentic.tech: a non-custodial crypto payment gateway built for merchants who want to accept digital assets without handing custody to a processor. A merchant signs up, connects a wallet and receives a merchant ID, then embeds a payment button or calls the REST API. Customers choose a token, pay, and funds arrive in the merchant's wallet in seconds — under two seconds on chains like Base and Polygon. The company stresses that it never holds the money, and that on-chain signing removes the risk of mistyping a destination address.

The commercial model is deliberately simple: a flat 1% fee on processed volume, billed monthly, with no monthly subscription, no minimum volume and no setup charge. That commission is designed to be passed on to the paying customer rather than absorbed by the merchant. Beyond one-off payments, the platform supports fully on-chain recurring subscriptions using native ERC-20 approve, which replaces card rails and eliminates chargebacks — an approach aimed at SaaS vendors, digital sellers and subscription businesses.

Compliance is treated as a built-in rather than an upsell. Every transaction is screened against the OFAC SDN list locally and through the Scorechain API, with automatic blocking, timestamped logs and sanction details delivered inside webhook payloads; if the external screening service is unavailable, local OFAC checks continue. The stack also includes a merchant analytics dashboard with CSV export, webhook events with custom metadata and order IDs, and a hardware terminal with a touchscreen, receipt printer and QR/NFC support that was announced as an upcoming pre-order device.

**Pricing & Plans:** Thentic Pay runs on a 1% pay-as-you-go fee on transaction volume, billed monthly, with no monthly subscription, no minimums and no setup fees; the commission is intended to be paid by the customer at checkout. An Enterprise tier adds volume discounts, dedicated support, SLA guarantees, custom fiat withdrawal and white-label options on request.

- **Non-custodial settlement:** Payments arrive directly in the merchant's connected wallet and are signed on-chain, so no intermediary or bank ever holds the funds.
- **16 chains, 30+ tokens:** Accept stablecoins and major tokens across Ethereum, Polygon, Base, Arbitrum, BNB Chain, Optimism, Avalanche, Cronos, Gnosis, Flare and Monad, with settlement in seconds on fast chains.
- **On-chain subscriptions:** Launch daily, weekly or monthly recurring plans using native ERC-20 approvals, removing card networks and chargeback exposure from the flow.
- **Built-in AML and OFAC screening:** Every transaction is screened against the OFAC SDN list plus the Scorechain API, with automatic blocking, sanctions logs and fail-safe local screening if the external API is down.
- **Developer-first API and embed:** Drop in an iframe pixel or POST to the REST API to create a payment, then track volume, subscriptions and status via the dashboard, CSV export or webhooks.

**Strengths:** Flat 1% pay-as-you-go pricing with no monthly fee, minimum volume or setup charge; Non-custodial design means funds go straight to the merchant's wallet, not a third party; Broad chain coverage — 16 networks and 30+ tokens — from a single integration; AML/OFAC sanctions screening included automatically with no configuration or extra cost

**Limitations:** The 1% fee is transferred to customers at checkout, which merchants must explain clearly to buyers; Non-custodial settlement means merchants are fully responsible for key management and wallet security; Subscriptions depend on native ERC-20 approve flows, which behave differently from familiar card-based recurring billing; Crypto payment checkout still demands wallet literacy from end customers, limiting conversion versus card rails

[Profile (Markdown)](https://openaitools.app/tool/thentic.md)

## xPay

xPay is an international payment gateway aimed at companies that sell beyond their home market. Instead of treating cross-border checkout as a single card-payment problem, it combines acquiring, local payment method coverage, subscription billing and money movement into one platform. The pitch is that most cross-border failures come from routing every transaction through the same acquirer, so xPay uses direct local acquiring plus retry logic tuned in real time to hold a 95% success rate.

Coverage is deliberately broad: 45+ local payment methods, support for over 150 currencies, and operations in 160+ countries. Alongside core card acceptance, the platform offers multi-currency subscription billing for SaaS, payment links for teams without a developer, and global collection accounts that let an Indian entity receive USD, GBP, CAD and other currencies without setting up a foreign company. Settlement is quoted at 24 hours with compliant FIRC documentation, and sales tax collection across 100+ geographies can be switched on to keep billing compliant as volumes grow.

On pricing, xPay charges per transaction rather than a monthly platform fee at the entry level. The standard rate is 3% + $0.35 per card transaction, with separate rates for wallets, PayPal, BNPL options such as Klarna and Afterpay, plus a published schedule for disputes, tokenization, extra storefronts, subscription billing, payouts, FX conversion and priority support. Enterprise pricing with volume-based tiers applies once a merchant processes above roughly $750k per month internationally. Merchants should verify current rates on the fee schedule, as they change over time.

**Pricing & Plans:** Pay per transaction. Standard rate is 3% + $0.35 per card transaction, with separate rates for wallets and BNPL, a published fee schedule for disputes, tokenization, storefronts, subscriptions, payouts and FX, and volume-based enterprise pricing for merchants processing over ~$750k internationally per month.

- **95% international success rate:** Direct local acquiring and smart retry logic keep authorization rates stable across markets instead of relying on one acquiring route.
- **45+ local payment methods:** Cards, wallets, BNPL and regional favourites are available from one integration, with the provider adding methods on request.
- **Global subscription billing:** Recurring billing in 100+ currencies from most countries, built for SaaS and other subscription businesses.
- **Global collection accounts:** Receive USD, GBP, CAD and more without incorporating abroad, with settlement in 24 hours and FIRC documents for compliance.
- **Automated sales tax:** Turn on sales tax collection and remittance across 100+ geographies, which matters as international revenue scales.

**Strengths:** 45+ local payment methods and 150+ currencies from one integration; Published fee schedule makes costs easier to audit before signing; Multi-currency subscription billing built for SaaS; Global collection accounts reduce the need for foreign entities

**Limitations:** Standard card pricing (3% + $0.35) sits above the headline rates of some incumbent gateways; The fee schedule has many line items, so total cost takes effort to model; Some dispute and priority-support add-ons are priced for larger merchants; Cross-border acquiring requires compliance work on your side as well as theirs

[Profile (Markdown)](https://openaitools.app/tool/xpay.md)

## Frequently Asked Questions

### How do Thentic and xPay compare in monthly traffic?

Thentic has 8,735 monthly visits, while xPay has 223,057. Traffic estimates describe audience size, not product quality.

### How do their growth rates compare?

Thentic has a month-over-month growth rate of +80.8%; xPay has +152.8%.

### How does pricing compare?

Thentic: Contact for Pricing. Thentic Pay runs on a 1% pay-as-you-go fee on transaction volume, billed monthly, with no monthly subscription, no minimums and no setup fees; the commission is intended to be paid by the customer at checkout. An Enterprise tier adds volume discounts, dedicated support, SLA guarantees, custom fiat withdrawal and white-label options on request. xPay: Paid, Contact for Pricing. Pay per transaction. Standard rate is 3% + $0.35 per card transaction, with separate rates for wallets and BNPL, a published fee schedule for disputes, tokenization, storefronts, subscriptions, payouts and FX, and volume-based enterprise pricing for merchants processing over ~$750k internationally per month.

## Alternatives

| # | Tool Name | Monthly Visits | MoM Growth Rate | Pricing Model | Summary | Profile (Markdown) |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| 1 | [Thomson Reuters](https://openaitools.app/tool/thomson-reuters) | 17,919,413 | +5.5% | Contact for Pricing | Offers comprehensive enterprise tax and compliance solutions, but is much heavier and less startup-friendly. | [.md](https://openaitools.app/tool/thomson-reuters.md) |
| 2 | [Base44](https://openaitools.app/tool/base44) | 14,039,232 | +0.5% | Freemium, Paid, Contact for Pricing | Build working apps, websites, and AI agents by describing them | [.md](https://openaitools.app/tool/base44.md) |
| 3 | [Antom](https://openaitools.app/tool/antom) | 2,337,988 | +28.6% | Contact for Pricing | Provides enterprise global payment routing and security, but is less focused on indie subscription billing. | [.md](https://openaitools.app/tool/antom.md) |
| 4 | [Waffo.ai (Waffo Pancake)](https://openaitools.app/tool/waffo-ai) | 132,327 | +71.2% | Paid (per transaction, volume discounts) | Handles global merchant-of-record billing and sales tax compliance, but lacks xPay's broader AI financial workflow suite. | [.md](https://openaitools.app/tool/waffo-ai.md) |
| 5 | [TaxGPT](https://openaitools.app/tool/taxgpt-com) | 108,956 | +2% | Free Trial | AI tax research, drafting, and return review for tax professionals | [.md](https://openaitools.app/tool/taxgpt-com.md) |
| 6 | [ChainGPT](https://openaitools.app/tool/chaingpt) | 71,157 | -31.7% | Freemium | Blockchain AI suite for crypto research, smart contracts, and Web3 automation | [.md](https://openaitools.app/tool/chaingpt.md) |
| 7 | [Jupid - AI Accountant](https://openaitools.app/tool/jupid-ai-accountant) | 43,452 | +54.6% | Paid | Focuses on AI bookkeeping and Schedule C tax prep rather than international payment gateway processing. | [.md](https://openaitools.app/tool/jupid-ai-accountant.md) |
| 8 | [Crowded](https://openaitools.app/tool/crowded) | 37,118 | -18.4% | Contact for Pricing | Tailors financial management specifically for nonprofits with built-in banking, but lacks commercial global payment gateways. | [.md](https://openaitools.app/tool/crowded.md) |
| 9 | [Tabby: AI Bookkeeper](https://openaitools.app/tool/tabby-ai-bookkeeper) | 31,635 | +99.4% | Freemium, Free Trial | Bookkeeping that runs itself for the self-employed | [.md](https://openaitools.app/tool/tabby-ai-bookkeeper.md) |
| 10 | [Namefi](https://openaitools.app/tool/namefi) | 27,219 | +8.7% | Freemium | An ICANN-accredited domain registrar built for AI agents and onchain ownership. | [.md](https://openaitools.app/tool/namefi.md) |

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Source: https://openaitools.app/compare/thentic-vs-xpay

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