Simple, Transparent Plans
Eliminate chargebacks, reduce processing fees, and keep full ownership of your revenue. Select the plan that fits your current operational scale.
Starter
Start accepting digital payments without custodial platform risk.
- 50 transactions / month (0.5% fee)
- Instant XRP & RLUSD settlement
- Self-custodial merchant payouts
- Dynamic payment links & invoices
- One-click CSV tax exports
- 1 active webhook endpoint
- Standard developer API access
- 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
- Card-to-Crypto settlement integration
- 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
- 99.9% uptime SLA guarantee
- 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 finality
No multi-day holds. Payments clear and settle on the ledger instantly.
Zero chargeback risk
All transfers are cryptographically validated and final. No disputes.
100% self-custody
We never hold your keys or your capital. Funds land directly in your vault.
Enterprise grade security
Full end-to-end encryption for API webhooks and merchant dashboards.
IRS-compatible reporting
Export pre-mapped CSV statements tracking fiat value at timestamp.
Multi-asset routing
Accept payments in XRP, RLUSD, USDC, and convert on the fly via DEX.
How XRPay compares
Ditch standard processing margins. Compare transactional costs and merchant rights across providers.
| Feature comparison | XRPay | Stripe | PayPal |
|---|---|---|---|
| Flat transaction rate | 0.5% flat | 2.9% + $0.30 | 2.99% + $0.49 |
| International processing | 0.5% (no border markup) | Add 1.5% + conversion fees | Add 1.5% currency markup |
| Chargeback liabilities | $0 (technically impossible) | $15.00 dispute fees | $20.00 dispute fees |
| Settlement speed | 3 to 5 seconds (instant) | 2 to 5 business days | 1 to 3 business days |
| Platform custody risk | Zero (non-custodial wallets) | High (sudden account freezes) | High (reserves & freezes) |
| 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 | Yes (via fiat checkout) | Yes (standard) | Yes |
| Self-custody key control | 100% merchant owned | No | No |