NearPayments vs
OxaPay
Zero fees, self-custody, and an OxaPay-compatible API. A drop-in replacement that lets you keep 100% of every payment.
0.5% → 0%
Fee Savings
Save on every transaction
Your keys
Self-Custody
Payments go directly to your wallet
Drop-in
API Compatible
Change the URL, keep your code
Feature-by-feature comparison
| Feature | NearPayments | OxaPay |
|---|---|---|
| Platform Fee | 0% | 0.4–0.5% |
| API Compatibility | OxaPay-compatible | N/A (original) |
| Supported Chains | 31 | 40+ |
| Custody Model | Self-custody | Custodial |
| Settlement | Direct to your wallet | To OxaPay account |
| Setup Time | ~5 minutes | 10–20 minutes |
| KYC Required | No | No |
| Webhook Format | OxaPay-compatible | Proprietary format |
| Static Addresses | Not yet | Yes |
| Payouts | Not yet | Yes |
Switch in one line
NearPayments implements an OxaPay-compatible API. Your existing code works — just change the URL.
- const BASE_URL = "https://api.oxapay.com/v1";
+ const BASE_URL = "https://api.nearpayments.io/oxapay/v1";
// That's it. Everything else stays the same.Frequently asked questions
Can I switch from OxaPay to NearPayments without rewriting my code?
Yes. NearPayments implements OxaPay-compatible API endpoints. Change the base URL from api.oxapay.com/v1 to api.nearpayments.io/oxapay/v1 and use your NearPayments API key in the merchant_api_key header. Your existing request/response handling stays the same.
How much will I save switching from OxaPay?
OxaPay charges 0.4–0.5% per transaction. NearPayments charges 0% — you only pay blockchain gas fees. For a merchant processing $10,000/month, that's $40–50 saved every month.
What OxaPay features are not yet available on NearPayments?
NearPayments does not yet support static addresses or payouts. If you rely heavily on these features, you may want to wait until they are available. Core payment creation, status checking, and webhook functionality are fully supported.
Why does OxaPay support more chains than NearPayments?
OxaPay supports 40+ chains, while NearPayments currently supports 31 — covering the most popular chains including Bitcoin, Ethereum, Solana, NEAR, Tron, TON, XRP, and major L2s. More chains are being added regularly.
Is NearPayments secure with self-custody?
NearPayments uses a self-custody model, meaning your funds never sit in our wallets. Payments go directly to your configured addresses. The platform supports BIP-39 HD wallet setup for secure key management across all chains.
Ready to drop in?
Swap one URL, keep your entire integration. Zero fees, zero KYC. Start accepting crypto payments in under 5 minutes.