Payment processor comparison
XRPay vs NOWPayments: Same crypto focus. Complete merchant platform.
NOWPayments charges 0.5–1% per transaction with 200+ crypto support. Compare that with XRPay's 0.5% rate and complete merchant ecosystem — POS, invoicing, B2B, social commerce, and CRM integrations.
0.5%
XRPay base rate
3 sec
Settlement
$0
Chargebacks
24/7
Always on
Fee comparison
Every transaction costs less
Fee typeNOWPaymentsXRPaySavings
Transaction fee0.5%–1%0.5% flatCompare base rates
Subscription plans$0–$200/mo$0 StarterNo forced tier
Auto-conversionMarket spreadDEX rateTransparent
Settlement speed
Your money, in seconds — not days
XRPay3–5 seconds
✓ SETTLED
NOWPaymentsVaries by coin
TypeNOWPaymentsXRPayAdvantage
Crypto settlementVaries by coin3–5 secondsConsistent
Auto-conversionExchange rate + delayXRPL DEX instantFaster
Custody model
Your money should be yours
NOWPayments — Semi-Custodial
- ✕Payments flow through NOWPayments infrastructure
- ✕Auto-conversion adds intermediary risk
- ✕Limited control over settlement timing
- ✕Dependent on third-party exchange rates
XRPay — Self-Custody
- ✓Payments settle directly to your XRPL wallet
- ✓XRPL DEX for transparent conversion
- ✓Full control over when and how to convert
- ✓No intermediary between you and your funds
Feature comparison
An honest look at every feature
FeatureNOWPaymentsXRPay
200+ cryptocurrencies
✓
Multi-chain
✕
XRPL-focused
E-commerce plugins
✓
WooCommerce, Shopify
✓
Shopify, BigCommerce
Payment links
✓
Basic links
✓
Social + shareable
Donations widget
✓
Embeddable
✓
Payment links
In-person POS
✕
—
✓
Software POS + kiosk
Invoicing
✕
—
✓
Full + escrow
Subscriptions
✕
—
✓
Built-in recurring
B2B wholesale
✕
—
✓
Escrow-protected
Telegram storefront
✕
—
✓
Native bot
CRM integrations
✕
—
✓
HubSpot, Salesforce
Tax compliance
✕
Manual
✓
FMV + rate tables
FAQ
Common questions
Stop overpaying for payments
Compare XRPay’s 0.5% platform fee and direct XRPL settlement workflow with your current processor’s contract, payout timing, and dispute rules.