Payment processor comparison
XRPay vs PayPal: Lower fees. No frozen funds. No waiting.
PayPal charges 2.99% + 49¢ per transaction — plus international surcharges, currency conversion fees, and $20 chargeback penalties. XRPay charges 0.5% flat with zero chargebacks.
~6x
Cheaper fees
3 sec
Settlement
$0
Chargebacks
24/7
Always on
Fee comparison
Every transaction costs less
Fee typePayPalXRPaySavings
Online payments2.99% + 49¢0.5% flat~83% less
International+1.5% cross-borderSame 0.5%~90% less
Currency conversion+2.5% spreadNot applicable100% less
Chargeback fee$20 per dispute$0 — impossible∞ savings
Fund holdsUp to 180-day holdsInstant — self-custodyZero risk
Monthly fee$0–$30/mo$0 Starter planNo hidden costs
Settlement speed
Your money, in seconds — not days
XRPay3–5 seconds
✓ SETTLED
PayPal3–5 business days
TypePayPalXRPayAdvantage
Standard payout3–5 business days3–5 seconds~70,000x
Instant payout1% feeAlways instantNo fee
International5–7 business days3–5 seconds~120,000x
Weekend/holidayNo settlement24/7/365Always on
Custody model
Your money should be yours
PayPal — Custodial
- ✕PayPal holds all merchant funds
- ✕Account can be frozen or limited without warning
- ✕Fund holds up to 180 days during disputes
- ✕PayPal determines payout schedule
- ✕Notorious for sudden account limitations
XRPay — Self-Custody
- ✓You hold your funds in your own wallet
- ✓No account freezes — impossible on blockchain
- ✓Instant access — settle in 3–5 seconds
- ✓You control your payout schedule
- ✓Decentralized — funds on XRP Ledger, not a company
Feature comparison
An honest look at every feature
FeaturePayPalXRPay
Online payments
✓
Cards + PayPal balance
✓
Crypto + Transak fiat
In-person POS
✓
Zettle integration
✓
Software POS + kiosk
Invoicing
✓
Basic invoicing
✓
Full + escrow
Subscriptions
✓
Recurring billing
✓
Built-in
Buyer/seller protection
✓
180-day disputes
✓
On-chain escrow
Crypto payments
✕
Dropped in 2023
✓
XRP + RLUSD + USDC
Self-custody
✕
Custodial
✓
Your keys, your funds
Zero chargebacks
✕
Dispute-heavy
✓
Structurally impossible
Telegram storefront
✕
—
✓
Native bot
B2B wholesale
✕
—
✓
Escrow-protected
Business lending
✓
PayPal Working Capital
✕
—
BNPL
✓
Pay in 4
✕
—
FAQ
Common questions
Stop overpaying for payments
Join merchants saving thousands annually with 0.5% flat fees, instant settlement, and zero chargebacks.