Payment processor comparison
XRPay vs Square: Same POS power. Fraction of the fees.
Square charges 2.6% + 10¢ per in-person transaction and 2.9% + 30¢ online. XRPay charges 0.5% flat across all channels — with instant settlement and zero chargebacks.
~5x
Cheaper fees
3 sec
Settlement
$0
Chargebacks
24/7
Always on
Fee comparison
Every transaction costs less
Fee typeSquareXRPaySavings
In-person payments2.6% + 10¢0.5% flat~80% less
Online payments2.9% + 30¢0.5% flat~83% less
Keyed-in payments3.5% + 15¢0.5% flat~86% less
Invoicing3.3% + 30¢0.5% flat~85% less
Chargeback fee$0 (absorbed)$0 — impossibleNo disputes
Hardware cost$49–$799$0 — software onlyNo hardware
Settlement speed
Your money, in seconds — not days
XRPay3–5 seconds
✓ SETTLED
Square1–2 business days
TypeSquareXRPayAdvantage
Standard payout1–2 business days3–5 seconds~30,000x
Instant transfer1.75% feeAlways instantNo fee
Weekend/holidayNo settlement24/7/365Always on
Custody model
Your money should be yours
Square — Custodial
- ✕Square holds all merchant funds
- ✕Account freezes and fund holds reported
- ✕Settlement on Square's schedule
- ✕Requires dedicated hardware for POS
- ✕Limited to select countries
XRPay — Self-Custody
- ✓Funds settle directly to your wallet
- ✓No account freezes possible
- ✓Software-only POS — no hardware needed
- ✓Works globally — 180+ countries
- ✓You control your funds at all times
Feature comparison
An honest look at every feature
FeatureSquareXRPay
In-person POS
✓
Hardware terminals
✓
Software POS + kiosk
Online payments
✓
Square Online
✓
Shopify, BigCommerce
Invoicing
✓
Built-in
✓
Full + escrow
Payroll
✓
Square Payroll
✕
—
Banking
✓
Square Banking
✕
—
Loyalty program
✓
Built-in
✕
—
Self-custody
✕
Custodial
✓
Your keys, your funds
Zero chargebacks
✕
Absorbs cost
✓
Structurally impossible
B2B wholesale
✕
—
✓
Escrow-protected
Telegram storefront
✕
—
✓
Native bot
Global borderless
✕
US/UK/CA/AU/JP
✓
180+ countries
FAQ
Common questions
Stop overpaying for payments
Join merchants saving thousands annually with 0.5% flat fees, instant settlement, and zero chargebacks.