Take payments online,
at the counter, or by invoice.
Accept XRP, RLUSD, and supported mobile-money, card, and bank-funded payments. Publish a storefront, run point of sale, bill customers, and track every sale from one dashboard.
The XRPay platform
From checkout to fulfillment, keep the record connected.
Create a payment link in minutes or publish a full product catalog. The payment, customer, order, inventory, and settlement details remain connected as the sale moves forward.
Payment and payout methods depend on merchant eligibility, customer location, supported currencies, verification, and provider coverage.
Explore all solutions →Integrated across
the entire stack.
Connect commerce channels, wallets, accounting tools, and payment providers. Availability and setup requirements vary by integration and plan.
Stripe
Cards & POS
Shopify
Storefront
Bridge
Off-Ramp
HubSpot
CRM
Telegram
Social Store
BigCommerce
Storefront
ChangeNOW
400+ Tokens
Canva
Marketplace
PayStack
Africa Rails
Stripe
Cards & POS
Shopify
Storefront
Bridge
Off-Ramp
HubSpot
CRM
Telegram
Social Store
BigCommerce
Storefront
ChangeNOW
400+ Tokens
Canva
Marketplace
PayStack
Africa Rails
Stripe
Cards & POS
Shopify
Storefront
Bridge
Off-Ramp
HubSpot
CRM
Telegram
Social Store
BigCommerce
Storefront
ChangeNOW
400+ Tokens
Canva
Marketplace
PayStack
Africa Rails
Stripe
Cards & POS
Shopify
Storefront
Bridge
Off-Ramp
HubSpot
CRM
Telegram
Social Store
BigCommerce
Storefront
ChangeNOW
400+ Tokens
Canva
Marketplace
PayStack
Africa Rails
QuickBooks
Accounting
Salesforce
CRM
Social Store
Xaman
XRPL Wallet
Plaid
Bank Auth
WooCommerce
WordPress
Fincra
Africa Rails
GoDaddy
Hosting
Shippo
Shipping
QuickBooks
Accounting
Salesforce
CRM
Social Store
Xaman
XRPL Wallet
Plaid
Bank Auth
WooCommerce
WordPress
Fincra
Africa Rails
GoDaddy
Hosting
Shippo
Shipping
QuickBooks
Accounting
Salesforce
CRM
Social Store
Xaman
XRPL Wallet
Plaid
Bank Auth
WooCommerce
WordPress
Fincra
Africa Rails
GoDaddy
Hosting
Shippo
Shipping
QuickBooks
Accounting
Salesforce
CRM
Social Store
Xaman
XRPL Wallet
Plaid
Bank Auth
WooCommerce
WordPress
Fincra
Africa Rails
GoDaddy
Hosting
Shippo
Shipping
See the product
Follow the work from payment request to completed record.
Choose a view below to see the information merchants use to take payments, reconcile activity, sell in person, and manage wholesale orders.
From request to settlement
One flow, with every
step visible.
XRPay connects the payment request, on-chain confirmation, merchant records, and optional payout without hiding where funds are held.
Create the payment
Use checkout, a payment link, an invoice, or POS. Customers can pay with supported wallet assets or available fiat on-ramp options.
Confirm and reconcile
Direct XRPL payments settle to the merchant wallet, while XRPay monitors confirmation and updates the order and transaction record.
Keep or cash out
Keep assets in a wallet you control or start an eligible bank payout. Verification, fees, currencies, and timing depend on the selected provider and country.
Ready to create your first payment request?
Read Architecture DocsXRP Off-Ramp
Turn your XRP
into cash.
XRP holders can cash out directly to their bank account — without leaving Xaman. No exchange accounts. No copy-pasting addresses. Just sign and done.
Also supports RLUSD and any XRPL trustline token with DEX liquidity — the xApp shows your live balances and routes each token automatically.
- 01
Open Xaman
Open the link on a device with Xaman installed. XRPay passes the withdrawal session into the xApp for review.
- 02
Enter amount & sign
Type how much XRP to convert. Review the USD estimate, then sign in one tap — no seed phrases, no copy-pasting.
- 03
Cash in your bank
XRP is swapped to USDC via ChangeNOW, then Bridge.xyz routes the USD to your linked bank account via ACH.
Live on Xaman
xApp by XRPay
Settlement
1–3 days
XRPay iOS App
Move between crypto and cash,
from your iPhone.
The XRPay iOS app is a standalone mobile experience for connecting wallets, reviewing balances, buying or swapping supported assets, and starting eligible bank payouts.
Wallet control
Connect Xaman, WalletConnect, or an EVM wallet and keep balances visible before every move.
Cash-out flow
Start an off-ramp, review the route, and track bank settlement from the same phone.
Multi-chain ready
Manage XRP, RLUSD, USDC, USDT, BTC, ETH, SOL, and supported XRPL trustline assets.
Live on iOS
XRPay.it mobile app
Full-Stack Commerce
One sale, connected from
product to payment record.
From online checkout and point-of-sale to B2B wholesale and subscriptions. See what was sold, how the customer paid, where funds settled, and what still needs fulfillment.
Publish once. Sell online or at the counter.
Use the same product catalog in a hosted storefront, supported Shopify or BigCommerce channels, and the browser-based Point of Sale.
- Shopify & BigCommerce sync
- Stripe Terminal POS integration
- Custom hosted storefronts
Set a wholesale price and manage the order
Buy and sell inventory with other XRPay merchants while keeping supplier orders, payment capture, and escrow status in one record.
- Escrow workflows
- Custom wholesale pricing
- Shared order records
Send it once or bill on a schedule
Send an invoice, create a weekly, monthly, or yearly billing plan, and see successful and failed payment attempts alongside other sales.
- Flexible invoice terms
- Recurring billing plans
- Unified transaction history
Turn a link or message into a checkout
Share hosted payment links and connect supported Telegram or WhatsApp tools to the same catalog and payment records.
- Telegram storefront tools
- WhatsApp payment links
- Shareable checkout links
Know where funds settle
Direct XRPL payments go to the merchant wallet. Eligible bank payouts are initiated separately through regulated providers, so custody and status stay clear.
Reconcile from one transaction history
Keep payment records ready for reporting and send supported records to QuickBooks when your plan includes the integration.
See eligible routes before you confirm
Choose from available bank and mobile-money routes based on country, currency, verification status, and provider coverage.
Pricing
Simple, transparent pricing.
Start with the core platform and add channels as you grow. Monthly plan prices are separate from provider, network, conversion, and payout costs.
Starter
Create payment links, send invoices, and publish up to 10 storefront products.
0.5% platform fee per confirmed transaction
- Payment links & invoicing
- 1 team member
- Real-time transaction dashboard
- Tax export (CSV)
- XRP + RLUSD settlement
- Up to 10 published storefront products
- Up to 50 transactions / month
- 1 webhook endpoint
- Community support
Growth
For scaling merchants who need omnichannel commerce.
0.5% platform fee per confirmed transaction
- Everything in Starter
- Unlimited storefront products
- Custom storefront domain
- Merchant contact details & WhatsApp button
- Card & digital asset checkout
- Point-of-Sale terminal + kiosk
- Shopify & BigCommerce channels
- Telegram & WhatsApp storefronts
- Subscription & recurring billing
- Eventbrite & Luma ticketing
- QuickBooks auto-sync
- 5 team members · 5 webhooks
- 500 transactions / month
- Priority email support
Enterprise
For high-volume B2B and multi-location operations.
0.5% platform fee per confirmed transaction
- Everything in Growth
- B2B wholesale marketplace
- Buyer-protected escrow transactions
- HubSpot & Salesforce CRM sync
- Customer lifetime value tracking
- Cross-currency DEX payments
- White-label POS
- Unlimited team members
- Unlimited transactions
- Dedicated account manager
- Full API access
Direct XRPL payments typically confirm in 3–5 seconds. Provider-backed payment and payout timing varies.
Compare the workflow
One connected record vs.
separate tools and exports.
Follow a sale from checkout to wallet settlement, order status, and eligible payout routes without rebuilding the story in a spreadsheet.
FAQ
Common questions
Clear answers about payment methods, custody, fees, and payouts.
No. Merchants can use hosted payment links, invoices, storefronts, POS, and the dashboard without building a custom integration. APIs and webhooks are available for teams that need them.
Customers can pay with XRP, RLUSD, and other supported wallet assets. Mobile money, card, or bank-funded options may also appear through available providers. Methods, fees, and availability depend on the customer's location, currency, and route.
Yes. Create a hosted storefront, choose its name and branding, publish products from your XRPay catalog, offer coupons, receive paid orders, and track fulfillment from the dashboard. You can share the hosted shop address without building a separate website.
Direct XRPL payments settle to the merchant wallet. Eligible merchants can start a separate off-ramp to a linked bank or supported mobile-money account. Verification, minimums, fees, and settlement times are shown before confirmation.
XRPay charges a 0.5% platform fee on confirmed transactions. Network fees, card or bank funding fees, swap spreads, FX, and payout fees can also apply depending on the provider and route.
XRPay does not ask for wallet seed phrases or private keys. Direct XRPL payments go to the merchant wallet. When you choose a fiat funding or payout route, the selected regulated provider handles that part of the flow under its own eligibility and compliance requirements.
Enterprise plans include supported CRM connectors such as HubSpot and Salesforce. Exact fields, sync behavior, and setup requirements depend on the connector configuration.
Yes. Create subscription plans with flexible billing intervals (weekly, monthly, yearly). XRPay handles automated billing, retry logic for failed payments, and customer lifecycle management.
Still have questions?
Contact support for route availability, onboarding, or integration questions.
Contact our team