Simple, Transparent Plans
Compare plans for direct XRPL payments and XRPay commerce tools. Provider-backed payment and payout services may have separate eligibility, fees, and processing times.
Starter
Start accepting digital payments without custodial platform risk.
- 50 transactions / month (0.5% fee)
- Direct XRP & RLUSD settlement to your wallet
- Self-custodial merchant payouts
- Dynamic payment links & invoices
- One-click CSV tax exports
- 1 active webhook endpoint
- Merchant dashboard and CSV exports
- Community support access
Growth
Scale your commerce with multi-channel checkout and in-store POS.
- Everything in Starter
- 500 transactions / month
- Point-of-Sale app & QR checkouts
- Provider-backed card checkout where eligible
- Shopify & WooCommerce plugins
- Telegram & WhatsApp chat stores
- Subscription & recurring billing flows
- Automated QuickBooks sync
- 5 team seats · 5 webhook endpoints
- Priority customer support
Enterprise
For high-volume wholesale, B2B networks, and multi-location retail.
- Everything in Growth
- Unlimited transactions & team seats
- B2B wholesale portal & automated escrow
- Salesforce & HubSpot integrations
- Cross-currency DEX pathfinding
- White-label POS layouts
- 25 active webhook endpoints
- Dedicated account manager
- Priority implementation support
- Full API capabilities
Interactive Savings Calculator
Input your processing details to see how much revenue you recover by switching to instant, non-custodial digital rails.
Earn 4.5% APY AMM Yield
Sweeping floating stablecoin assets into XRPL AMM pools.
Annual Processing Breakdown
Net Annual Savings
Keep 100% of this recovered margin. Swapped stablecoins settle directly to your keys instantly.
Included on every plan
3–5 second XRPL finality
Direct ledger payments typically validate in a few seconds. Provider-backed flows take longer.
Final ledger transfers
Direct XRPL payments do not use card-style chargebacks. Merchant refund policies still apply.
Merchant-controlled wallets
Direct XRPL payments settle to the wallet configured by the merchant.
Enterprise grade security
Full end-to-end encryption for API webhooks and merchant dashboards.
CSV reporting
Export transaction records for reconciliation and tax preparation workflows.
Supported digital assets
Accept supported XRPL assets according to your wallet and checkout configuration.
How XRPay compares
Ditch standard processing margins. Compare transactional costs and merchant rights across providers.
| Feature comparison | XRPay | Stripe | PayPal |
|---|---|---|---|
| Platform transaction rate | 0.5% on confirmed transactions | Varies by payment method and market | Varies by payment method and market |
| International payments | Provider and network fees may apply | Provider pricing applies | Provider pricing applies |
| Card-style chargebacks | Not applicable to direct XRPL payments | Dispute process applies | Dispute process applies |
| Settlement speed | Typically 3 to 5 seconds on XRPL | Varies by payout method | Varies by payout method |
| Platform custody | Merchant-controlled wallet for direct XRPL payments | Provider-managed | Provider-managed |
| B2B wholesale escrow | Built-in (Enterprise) | No | No |
| Point-of-Sale (POS) | Included app (Growth+) | Requires terminal hardware | Via separate Zettle app |
| Card payments option | Provider-backed, where eligible | Yes | Yes |
| Wallet key control | Merchant-controlled for direct XRPL payments | Not applicable | Not applicable |