Payment processor comparison
XRPay vs Coinbase Commerce: More chains. Better checkout. Real merchant tools.
Coinbase Commerce charges 1% per transaction with limited merchant tools. XRPay charges 0.5% flat with a full merchant suite — POS, invoicing, B2B, and omnichannel sales.
50%
Lower fees
3 sec
Settlement
$0
Chargebacks
24/7
Always on
Fee comparison
Every transaction costs less
Fee typeCoinbase CommerceXRPaySavings
Transaction fee1% flat0.5% flat50% less
Network gas feesPaid by customer~$0.0002 (XRP)Near zero
Conversion to fiatVia Coinbase (spread)Off-ramp built-inNo spread
Chargeback fee$0 (crypto only)$0 — impossibleSame
Settlement speed
Your money, in seconds — not days
XRPay3–5 seconds
✓ SETTLED
Coinbase Commerce1–60 min (chain dependent)
TypeCoinbase CommerceXRPayAdvantage
On-chain confirmation1–60 min (chain dependent)3–5 secondsUp to 1,000x
Fiat conversionRequires Coinbase accountBuilt-in off-rampSeamless
Multi-chain8+ chainsXRPL nativeFocused
Custody model
Your money should be yours
Coinbase Commerce — Semi-Custodial
- ✕Funds arrive in Coinbase-managed wallets
- ✕Requires Coinbase account for fiat conversion
- ✕Subject to Coinbase compliance policies
- ✕Limited merchant control over funds flow
- ✕Dependent on Coinbase infrastructure
XRPay — Self-Custody
- ✓Funds go directly to your personal XRPL wallet
- ✓No third-party account needed
- ✓You control your keys and funds
- ✓Built-in off-ramp to bank account
- ✓Decentralized settlement on XRP Ledger
Feature comparison
An honest look at every feature
FeatureCoinbase CommerceXRPay
Crypto payments
✓
8+ chains
✓
XRPL-native + Transak
Payment links
✓
Basic links
✓
Social + shareable
Shopify integration
✓
Plugin
✓
Native
In-person POS
✕
—
✓
Software POS + kiosk
Invoicing
✕
—
✓
Full + escrow
Subscriptions
✕
—
✓
Built-in recurring
B2B wholesale
✕
—
✓
Escrow-protected
Telegram storefront
✕
—
✓
Native bot
Tax compliance
✕
Manual
✓
FMV + rate tables
CRM integrations
✕
—
✓
HubSpot, Salesforce
Multi-chain support
✓
ETH, BTC, SOL +5
✕
XRPL focused
FAQ
Common questions
Stop overpaying for payments
Join merchants saving thousands annually with 0.5% flat fees, instant settlement, and zero chargebacks.