Payment processor comparison
XRPay vs BitPay: Transparent fees. No custodial lock-in. No limits.
BitPay charges 1% per transaction and holds your funds in a custodial wallet. XRPay charges 0.1% flat, settles directly to your wallet, and gives you a complete merchant toolkit.
90% less
Base transaction fee
3 sec
Settlement
$0
Chargebacks
24/7
Always on
Fee comparison
Every transaction costs less
Fee typeBitPayXRPaySavings
Transaction fee1% flat0.1% flat90% less
Network feeIncluded~$0.0002Both low
Fiat settlementFree (next day)Instant (self-custody)Same day
Chargeback fee$0 (crypto)$0 — impossibleSame
Monthly minimum$1,000 processingNo minimumNo barrier
Settlement speed
Your money, in seconds — not days
XRPay3–5 seconds
✓ SETTLED
BitPayNext business day
TypeBitPayXRPayAdvantage
Crypto settlementNext business day3–5 seconds~20,000x
Fiat settlement1–3 business daysInstant via off-ramp~50,000x
Weekend/holidayNo settlement24/7/365Always on
Custody model
Your money should be yours
BitPay — Custodial
- ✕BitPay holds funds and converts to fiat
- ✕Requires KYC/KYB verification
- ✕$1,000 monthly processing minimum
- ✕Settlement on BitPay's schedule
- ✕Subject to BitPay compliance policies
XRPay — Self-Custody
- ✓Funds go directly to your XRPL wallet
- ✓No processing minimums
- ✓Instant access to all funds
- ✓You control conversion timing
- ✓No custodial counterparty risk
Feature comparison
An honest look at every feature
FeatureBitPayXRPay
Multi-crypto support
✓
BTC, ETH, XRP +10
✓
XRPL tokens + fiat on-ramp
E-commerce plugins
✓
Shopify, WooCommerce
✓
Shopify, BigCommerce
Invoicing
✓
Basic
✓
Full + escrow
Payment links
✓
Email payment buttons
✓
Social + shareable
BitPay Card
✓
Prepaid Mastercard
✕
—
In-person POS
✕
—
✓
Software POS + kiosk
Subscriptions
✕
—
✓
Built-in recurring
B2B wholesale
✕
—
✓
Escrow-protected
Telegram storefront
✕
—
✓
Native bot
Self-custody
✕
Custodial
✓
Your keys, your funds
FAQ
Common questions
Stop overpaying for payments
Compare XRPay’s 0.1% platform fee and direct XRPL settlement workflow with your current processor’s contract, payout timing, and dispute rules.