Compare · OrbChain vs OxaPay ▓ SIDE BY SIDE KYC · custody · fees · feel

OrbChain
vs OxaPay.

OxaPay is the most-compared alternative in the no-KYC crypto gateway space. We respect the product and borrow good ideas from it. These are the real gaps — everything here is checkable on either site today.

Create account → Migrate from OxaPay

Honest · Verifiable · No mudslinging

§ Part I / V · Core policy

KYC, custody,
fee transparency.

The decisions that
actually matter

TopicOrbChainOxaPayEdge

KYCEmail + password, forever. Founding principle.No KYC at signup. Optional KYC unlocks some features (VISA card, higher limits).TIE

CSTNon-pooled: own BIP-44 branch, auto-sweep to a wallet only you control, withdraw on demand.Custodial. Funds held in OxaPay wallets until merchant withdraws.ORB

FEE0.4% flat on settled volume. Entire tariff.0.4% advertised; on Invoice endpoint only. Other endpoints (Static Address, White Label) 0.5%+.ORB

WDRNetwork-native withdraw fee only. Nothing added.Withdraw fees published but include a markup on TRC20 and ERC20.ORB

VOLNo volume gates. 0.4% on day 1 and day 1,000.Volume tiers; merchants above $X/mo get lower rates after account review.ORB

§ Part II / V · Capabilities

What's in the API.

Feature parity
…plus three OxaPay doesn't have

FeatureOrbChainOxaPayEdge

LNInstant Lightning — atomic, sub-second settlement.No Lightning endpoint as of 2026-04.ORB

SREd25519-signed settlement receipts. Offline-verifiable.No signed-receipt artifact.ORB

DWDeterministic event IDs via SHA-256(event_type, entity_id). True idempotency.Webhook IDs are UUID-random; retry-idempotency requires a merchant-side dedup table.ORB

ASAuto Settle — customer pays any coin, merchant receives one.Auto Convert — same mechanism, different marketing name.TIE

SUBSubscriptions — plans + dunning + proration.No subscription endpoint.ORB

WLWhite Label — your domain, our rails. POST /v1/payment/white-label.Page listed in nav, but the URL has 404'd consistently since 2025. Product gap.ORB

STAStatic Address — permanent per-user derived addresses.Static address feature — same.TIE

POSHosted POS at pos.orbchain.io — PWA tablet-native.POS as a subdomain; similar concept, different UX.TIE

UPCUnderpayment: invoice stays CONFIRMING until full amount lands. No partial credit, ever.Underpaid Coverage — credit merchant even if payer sent less. Unique to OxaPay.OXA

§ Part III / V · Coins

Coverage.

Both cover mainstream
OrbChain adds TON / XRP / XMR

Coin familyOrbChainOxaPayEdge

BTCNative + LightningNative onlyORB

XMRSource-only Monero supportNo Monero.ORB

TONNative + USDT jettonNo TON as of 2026-04.ORB

XRPXRP Ledger nativeNo XRP.ORB

ETH/LTC/TRX/SOLAll supported.All supported.TIE

USDT/USDCERC-20, TRC-20, SOL, TONERC-20, TRC-20, BEP-20, some POLYOXA on BSC · ORB on TON

§ Part IV / V · Developer experience

Docs, site, a11y.

The things the site itself
tells you about the team

PropertyOrbChainOxaPayEdge

PGHomepage weight: ~105 KB gzipped, hand-rolled EJS.~935 KB gzipped, Next.js SSR + 18 JS chunks + splash-to-hide-hydration.ORB

A11Yprefers-reduced-motion honoured across every animation.Framer Motion whileInView ignores prefers-reduced-motion.ORB

SEOJSON-LD Organization + Product + FAQPage on every page.No structured data published.ORB

SDKTyped JS/TS SDK + typed Python SDK. Zero-dependency, tree-shakeable.Community PHP SDK; official JS SDK announced, shipping status unclear.ORB

DCSFull in-dashboard + public /docs. cURL + Node + Python + Go + Rust + PHP refs.Public docs cover REST but language refs limited.ORB

CHGPublic /changelog + RSS + versioned release notes.No public changelog.ORB

STATLive /status driven by the same health-check that powers internal ops.No public status page.ORB

§ Part V / V · Honest tradeoffs

Where OxaPay
is actually better.

We're not pretending otherwise
Pick for your shape

Q.01OxaPay's "Underpaid Coverage" — isn't that nice?

Yes, honestly. If a customer pays $49.80 on a $50 invoice, OxaPay can credit the merchant the full $50 and write off the $0.20 — avoids customer service churn. OrbChain doesn't ship this. We considered it; chose not to, because deciding "what delta is forgivable" creates a pricing knob that's either always-on (subsidizes careless customers) or per-merchant (operational burden). If the feature matters to your shape, OxaPay is the right call.

Q.02OxaPay has a VISA card integration — do you?

No. OxaPay has a KYC'd card program; we're no-KYC-forever so that path is structurally closed to us. If you need a card to spend your balance offline, OxaPay wins on that axis.

Q.03OxaPay's BSC / BEP-20 coverage — are we shipping that?

Not currently. OxaPay ships USDT on BSC; we don't. If that chain is mission-critical for your customer base, it's a real gap. Otherwise the four networks we support (ERC-20, TRC-20, SOL, TON) cover 95%+ of real-world stablecoin flow.

Q.04How do I actually move? What does a migration look like?

See the full walkthrough at /migrate/from-oxapay. Short version: our endpoints are shape-compatible enough that a sed-style rename of a few field names + webhook verifier rewrite is usually all it takes. Typical migration is under 30 minutes for the invoice + webhook surface.

Q.05Is this comparison current?

Dated 2026-04-20. We re-audit every quarter; if OxaPay ships Lightning or signed receipts tomorrow, this page changes tomorrow. File corrections at [email protected] and we'll update.

Seen enough?
Migrate in 30 minutes.

Same-shape REST API, drop-in HMAC verifier rewrite, auto-sweep to your own wallet from day one.

Migration guide → Create account

OrbChain vs OxaPay.

KYC, custody,fee transparency.