Direct XRPL vs Stripe cards: an illustrative fee comparison
On a $100 international transaction, Stripe charges $5.40. XRPay charges $0.50. Direct XRPL payments settle to the configured merchant wallet and do not use card-network chargebacks. Stripe-backed methods retain Stripe processing and dispute rules.
~10.8x
Base fee ratio
3 sec
Settlement
Direct
Wallet settlement
24/7
Always on
Compare the route used
This illustration compares published Stripe card pricing with XRPay's platform fee for a direct XRPL transfer. Provider-backed XRPay routes retain their provider pricing and dispute rules.
Stripe — $100 international transaction
$5.40
2.9% + 1.5% + 1% + 30¢
XRPay — $100 international transaction
$0.50
0.5% platform fee · network costs separate
Source: Stripe public pricing page, April 2026. Stripe's chargeback fee increased to $15 + $15 to contest in June 2025.
Your money, in seconds — not days
Stripe holds your money for 2–7 business days. XRPay settles to your wallet in 3–5 seconds. 24/7/365.
Your money should be yours
Stripe card processing and a direct XRPL transfer use different custody and settlement models. Provider-backed XRPay routes still follow the provider's hold, payout, and dispute terms.
- ✕Stripe holds your funds
- ✕Account can be frozen for suspicious activity
- ✕Funds locked up to 90+ days during review
- ✕Payout schedule determined by Stripe
- ✕Platform risk — if Stripe has issues, your money is stuck
- ✓You hold your funds in your own wallet
- ✓Direct settlement goes to the wallet configured for the transaction
- ✓Direct XRPL payments typically confirm in 3–5 seconds
- ✓No provider payout schedule applies to the direct transfer itself
- ✓Wallet access and key security remain the wallet holder's responsibility
An honest look at every feature
Stripe excels at card-based commerce. XRPay excels everywhere else. Here's the full picture — no spin.
100+ methods
Crypto + fiat checkout
Dedicated hardware
Software POS + kiosk
Basic
Full + escrow
Stripe Billing
Built-in
No-code links
Social + shareable
Via partners
Native
Stripe Tax (50+ countries)
Rate tables + FMV ledger
Sigma ($0.02/row)
Built-in (free)
Radar ($0.05/txn)
Blockchain-verified
Dunning & retries
—
Stripe Connect
Coming soon
Stripe Capital
—
Stripe Identity
—
—
Native bot
—
Business API
—
Community integration
—
Escrow-protected
App marketplace only
Native built-in
Custodial
Your keys, your funds
Applies to card payments
Direct XRPL transfers use ledger finality
Stripe is excellent for card-based commerce. XRPay is built for merchants who need more: direct wallet settlement, disclosed platform fees, and connected online and in-person sales records that extends to messaging, social, and wholesale.
How much would you save
switching from Stripe?
$0
$0
Stop overpaying for payments
Compare XRPay’s 0.5% platform fee, plan limits, direct XRPL settlement, and provider-backed routes with the fees and timing in your Stripe agreement.
No lock-in. No hidden fees. Cancel anytime.