Frequently Asked Questions

XRPay is a payment platform that enables businesses to accept cryptocurrency payments (XRP and RLUSD stablecoin) through e-commerce stores, point-of-sale terminals, invoicing, messaging apps, and a B2B wholesale marketplace. Payments settle in 3–5 seconds on the XRP Ledger.

Visit xrpay.xbitinnovations.com/signup and sign up with Google OAuth or an email/password. Enter your organization name and you'll land on your dashboard immediately. From there, set up your wallets and connect a sales channel.

No. XRPay is designed for merchants who may have zero crypto experience. The platform handles all blockchain interactions behind the scenes. You set your prices in fiat (USD, EUR, etc.) and XRPay converts and settles automatically.

XRPay integrates with BigCommerce, Shopify, Telegram, WhatsApp, Canva, Xaman (XUMM) xApp, QuickBooks, Shippo, and Transak. You can also use standalone invoicing, payment links, and the POS terminal without any e-commerce platform.

All payments settle in 3–5 seconds on the XRP Ledger. There is no pending period, no multi-day clearing, and no hold. Funds arrive in your wallet almost instantly.

Customers can pay with XRP (native token), RLUSD (Ripple USD stablecoin), or use Transak to pay with a credit card or bank transfer. Your checkout page shows all options.

When a payment session is created, XRPay locks the exchange rate between the fiat order amount and the XRP/RLUSD payment amount. A spread of up to 0.5% may be applied on XRP conversions. RLUSD has no spread since it's pegged 1:1 to USD.

No. Transactions on the XRP Ledger are cryptographically irreversible. Once confirmed on-chain, a payment cannot be reversed by the customer, their bank, or any third party. This eliminates chargeback fraud entirely.

Refunds are separate outbound transactions initiated by you at your discretion. Navigate to the transaction in your dashboard, click 'Issue Refund', and specify the amount. Both the original payment and refund are recorded in your tax ledger.

Customers need an XRPL-compatible wallet to scan the QR code and sign the payment. Popular options include Xaman (XUMM), Bifrost, and GemWallet. They do NOT need an XRPay account.

XRPay does not charge a per-transaction fee deducted from your payments. Revenue is generated through subscription plans (Starter: Free, Growth: $49/mo, Enterprise: Custom) and a small exchange rate spread on XRP conversions. The XRPL network fee is approximately 0.00001 XRP (~$0.00003) per transaction.

Yes. The Starter plan is free forever and includes unlimited payment links, invoicing with instant settlement, real-time dashboard, tax CSV export, and 1 team member.

Credit card processors typically charge 2.9% + $0.30 per transaction, plus chargeback fees averaging $191 per dispute. With XRPay, there are zero chargebacks and no per-transaction deductions — just your subscription plan.

XRPay receives payments on your behalf and automatically forwards them to your personal XRPL wallet. Your private keys are never entered into or stored by XRPay. You maintain full sovereign control.

XRPay uses a non-custodial model. Customer payments are received and automatically forwarded to your personal wallet address. All sensitive data is encrypted with enterprise-grade encryption. Your payout wallet remains fully under your sovereign control.

All sensitive data — including wallet credentials and integration API tokens — is encrypted at rest with enterprise-grade encryption. All communications between XRPay, your browser, and third-party services use HTTPS/TLS.

Ripple USD (RLUSD) is a regulated US dollar-pegged stablecoin issued by Ripple Labs Inc. Each RLUSD token is backed 1:1 by US dollar reserves. It's not XRP — there is zero price volatility. You receive stable value for every sale.

A trustline is a one-time XRPL configuration that tells the ledger your account can hold a specific token (like RLUSD). Setting a trustline requires a small 2 XRP owner reserve. Without a RLUSD trustline, you can still receive native XRP payments.

Yes. Install XRPay from the BigCommerce App Marketplace. OAuth connects your store automatically. At checkout, customers see a 'Pay with XRPay' button, scan a QR code, and the order status syncs automatically.

Yes. Connect your Shopify store from the XRPay Channels page. XRPay appears as a native payment option at checkout with automatic order lifecycle management.

Open the POS from any browser or tablet. Staff log in with a unique 4-digit PIN, add items from your catalog (by tapping, searching, or barcode scanning), and present a QR code. The customer scans, pays in 3–5 seconds, and the sale is recorded instantly.

A merchant-to-merchant wholesale marketplace built into XRPay where businesses can list products at wholesale prices, discover suppliers, and place orders that settle on the XRPL with no platform commission.

Navigate to Tax & Ledger in your dashboard. Select a year, then click 'Export CSV'. The file is formatted for IRS Form 8949 and works with CoinTracker, Koinly, TaxBit, and other tax software.