Payments & Checkout
Understand how XRPay processes payments from the moment your customer clicks "Pay" to the moment funds land in your wallet — in under 5 seconds.
How Payment Flow Works
Payment Requested
A unique QR code is generated with a locked exchange rate for the order amount.
Customer Scans & Pays
The customer scans the QR code with any XRPL-compatible wallet and approves the payment.
Confirmed On-Chain
Payment is verified on the XRP Ledger in 3–5 seconds. Cryptographically final.
Order Updated
If connected to BigCommerce or Shopify, the order status updates automatically.
Funds in Your Wallet
Payment settles to your XRPL wallet. Immediate, unrestricted access.
RLUSD Stablecoin
Ripple USD (RLUSD) is a regulated US dollar-pegged stablecoin issued by Ripple Labs Inc. For every RLUSD token in circulation, an equivalent US dollar is held in reserve.
You can also accept XRP directly. Customers choose their preferred currency at checkout.
Zero Chargebacks — Guaranteed
Chargebacks cost merchants an average of $191 per dispute. With XRPay, that cost is permanently zero.
Irreversible Transactions
Once confirmed on the XRPL, a payment cannot be reversed by anyone.
No Disputes to Manage
Funds are yours the moment the ledger confirms. No dispute queue.
Fraud Protection Built In
Customers must cryptographically sign every transaction. No stolen cards, no CNP fraud.
Transparent Pricing
No per-transaction fee deducted from your payments. Compare: credit card processors charge 2.9% + $0.30 per transaction, plus chargeback fees.
Supported Currencies
Ripple USD
Stablecoin
XRP
Native Token
Fiat order amounts in USD, EUR, GBP, JPY, AED, and 50+ other currencies are automatically converted at the locked exchange rate.
Start Accepting Payments
Sign up for XRPay and follow the guided setup in your dashboard. Detailed payment configuration, refund management, and checkout customization guides are available in your Help Center after sign-in.