XRPay vs PayPal: Transparent 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 0.1% flat with zero chargebacks.
~29.9x
Base fee ratio
3 sec
Settlement
$0
Chargebacks
24/7
Always on
Fee comparison
Every transaction costs less
Settlement speed
Your money, in seconds — not days
Custody model
Your money should be yours
- ✕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
- ✓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
Cards + PayPal balance
Crypto + fiat checkout
Zettle integration
Software POS + kiosk
Basic invoicing
Full + escrow
Recurring billing
Built-in
180-day disputes
On-chain escrow
Dropped in 2023
XRP + RLUSD + USDC
Custodial
Your keys, your funds
Dispute-heavy
Structurally impossible
—
Native bot
—
Escrow-protected
PayPal Working Capital
—
Pay in 4
—
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.