How AuraPay Compares
Transparent, non-custodial Web3 checkout versus custodial crypto bots and traditional payment processors.
| Feature / Capability | AuraPay | Custodial Crypto Bots | Card / Web2 Gateways |
|---|---|---|---|
| Private Key Custody | 100% Non-Custodial (merchant holds keys) | Custodial (bot holds merchant funds) | Centralized (bank/processor holds funds) |
| Merchant Invoice Fee | 0% | 1.0% – 2.5%+ per transaction | 2.9% + $0.30 per transaction |
| Payout Settlement Speed | Instant On-Chain (direct to your wallet) | Manual / threshold-based withdrawal | 2–7 day rolling settlement |
| Supported Checkout Surfaces | Web Storefronts, Telegram Mini App, & Bot | Telegram Bot / Mini App only | Web / Mobile App only |
| Supported Blockchains & Assets | TON, USDT, EVM, Solana, & Telegram Stars | Ecosystem-specific (typically TON only) | Fiat currency only |
| Automated Invoice Indexer | Yes (settles on-chain independently) | Varies | Internal ledger matching |
| Developer API & Webhooks | Peppered HMAC API keys + payment.confirmed webhooks | Varies | REST API |
| Setup / Subscription Fees | $0 (No monthly or hidden fees) | Varies | Often monthly platform fees |
Custodial crypto bots and card gateways are categories. The fee ranges are typical published rates for those categories, not a quote from a named company.
Direct Wallet-to-Wallet Payouts
Funds transfer directly from the buyer’s wallet to the merchant’s self-custodial wallet address. AuraPay never acts as an intermediary or vault.
Cross-Surface Web & Telegram Reach
Accept payments seamlessly across standard desktop/mobile browsers, Telegram Mini Apps, and native bot interactions with a single PR- invoice link.
Zero-Session On-Chain Settlement
The background indexer monitors the blockchain directly. Invoices settle and grant access even if the buyer closes their browser or Telegram window immediately after signing.