Accept RLUSD & XRP.
Settle instantly.
The full-stack commerce platform built on the XRP Ledger. Payment gateway, POS, invoicing, subscriptions, and fiat off-ramp — with Shopify, BigCommerce, and 9 more integrations.
Integrated across
the entire stack.
We plug into your existing acquiring relationships, bank networks, and ERPs. A single API to orchestrate it all.
Stripe
Acquiring
Shopify
Storefront
Bridge
Settlement
HubSpot
CRM
Telegram
Social Store
PayPal
Acquiring
BigCommerce
Storefront
Stripe
Acquiring
Shopify
Storefront
Bridge
Settlement
HubSpot
CRM
Telegram
Social Store
PayPal
Acquiring
BigCommerce
Storefront
Stripe
Acquiring
Shopify
Storefront
Bridge
Settlement
HubSpot
CRM
Telegram
Social Store
PayPal
Acquiring
BigCommerce
Storefront
Stripe
Acquiring
Shopify
Storefront
Bridge
Settlement
HubSpot
CRM
Telegram
Social Store
PayPal
Acquiring
BigCommerce
Storefront
QuickBooks
Accounting
Salesforce
CRM
Xero
Accounting
Social Store
Fiat Ramp
On/Off-ramp
Plaid
Bank Auth
Xaman
Wallet Auth
QuickBooks
Accounting
Salesforce
CRM
Xero
Accounting
Social Store
Fiat Ramp
On/Off-ramp
Plaid
Bank Auth
Xaman
Wallet Auth
QuickBooks
Accounting
Salesforce
CRM
Xero
Accounting
Social Store
Fiat Ramp
On/Off-ramp
Plaid
Bank Auth
Xaman
Wallet Auth
QuickBooks
Accounting
Salesforce
CRM
Xero
Accounting
Social Store
Fiat Ramp
On/Off-ramp
Plaid
Bank Auth
Xaman
Wallet Auth
One Unified System
Everything you need to run a commerce operation.
Not a collection of disjointed tools — one system where payments, inventory, invoicing, and reporting all talk to each other.
The Unified Rail
How money moves
at lightspeed.
We combine the best of traditional fiat acquiring with the speed of digital assets, creating a single programmable rail for global money movement.
Acquire Globally
Drop in our unified checkout. Accept credit cards, ACH, Apple Pay, and native digital assets through a single integration.
Orchestrate Instantly
Fiat is converted to digital dollars instantly. We bypass legacy SWIFT networks and T+2 settlement windows entirely.
Settle Locally
Push funds to local bank accounts in 70+ countries. We handle the off-ramp, FX conversion, and last-mile payout automatically.
Ready to build on the unified rail?
Read Architecture DocsXRP Off-Ramp
Turn your XRP
into cash.
XRP holders can cash out directly to their bank account — without leaving Xaman. No exchange accounts. No copy-pasting addresses. Just sign and done.
Also supports RLUSD and any XRPL trustline token with DEX liquidity — the xApp shows your live balances and routes each token automatically.
- 01
Open Xaman
Tap the link from any device. Xaman opens instantly with the XRPay off-ramp loaded.
- 02
Enter amount & sign
Type how much XRP to convert. Review the USD estimate, then sign in one tap — no seed phrases, no copy-pasting.
- 03
Cash in your bank
XRP is swapped to USDC via ChangeNOW, then Bridge.xyz routes the USD to your linked bank account via ACH.
Live on Xaman
xApp by XRPay
Settlement
1–3 days
Full-Stack Commerce
Everything you need to
grow your business globally.
From online checkout and point-of-sale to B2B wholesale and subscriptions. A complete commerce operating system—unified by instant settlement.
Sell anywhere, online or in-person
Accept payments via hosted storefronts, native Shopify/BigCommerce integrations, or in-person with our browser-based Point of Sale terminal.
- Shopify & BigCommerce sync
- Stripe Terminal POS integration
- Custom hosted storefronts
Merchant-to-merchant marketplace
Connect with other XRPay merchants to buy and sell wholesale inventory with secure escrow protection and instant settlement.
- Escrow transactions
- Custom wholesale pricing
- Instant B2B settlement
Automate your revenue
Send professional invoices and manage recurring subscriptions with automated tax calculation, multi-currency support, and dunning management.
- Net 15/30/60 terms
- Prorated billing
- Auto-reconciliation
Monetize your community
Turn your social channels into storefronts. Generate payment links, sell products inside Telegram and WhatsApp, or gate Discord communities.
- Telegram storefront bot
- WhatsApp payment links
- Discord paid roles
Default JIT-LP Auto-Yield
We pool idle float into native XRPL AMM pools by default. The resulting swap yield subsidizes bank off-ramps, giving you a true 0% checkout processing experience.
Zero-touch accounting
Every fiat and digital transaction is instantly synced to your ERP. End the month with reconciled books without lifting a finger.
Settle natively in 70+ countries
Bypass correspondent banking entirely. Our orchestration engine routes payouts through local networks for instant settlement.
Pricing
Simple, transparent pricing.
Start free and scale as you grow. No hidden fees, no surprises. All plans include instant settlement with zero chargeback risk.
Starter
Everything you need to start accepting global payments.
- Payment links & invoicing
- 1 team member
- Real-time transaction dashboard
- Tax export (CSV)
- XRP + RLUSD settlement
- 50 transactions / month
- 1 webhook endpoint
- Community support
Growth
For scaling merchants who need omnichannel commerce.
30-day free trial · no credit card
- Everything in Starter
- Card & crypto checkout
- Point-of-Sale terminal + kiosk
- Shopify & BigCommerce channels
- Telegram & WhatsApp storefronts
- Subscription & recurring billing
- Eventbrite & Luma ticketing
- QuickBooks auto-sync
- 5 team members · 5 webhooks
- 500 transactions / month
- Priority email support
Enterprise
For high-volume B2B and multi-location operations.
30-day free trial · no credit card
- Everything in Growth
- B2B wholesale marketplace
- Buyer-protected escrow transactions
- HubSpot & Salesforce CRM sync
- Customer lifetime value tracking
- Cross-currency DEX payments
- White-label POS
- Unlimited team members
- Unlimited transactions
- Dedicated account manager
- Full API access
All plans include 3–5s settlement and self-custody.
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.
The Orchestration Advantage
The Modern Stack vs
Traditional Rails.
Legacy infrastructure forces you to string together multiple providers, manage correspondent banking delays, and suffer T+2 settlements. We built a unified orchestration layer.
What Merchants Say
Trusted across every channel
"We eliminated nearly $4,000 in monthly chargeback losses in the first 30 days. The dashboard just looks like any other payment method to our ops team — zero retraining."
Marcus Chen
Head of eCommerce · Goldleaf Botanicals
"The Telegram store was a game-changer. Our customers in Southeast Asia already use Telegram daily — now they can order without leaving the app. Revenue from that channel went up 38%."
Priya Natarajan
Founder & CEO · NovaCraft Co.
"We moved our entire wholesale operation onto XRPay's B2B marketplace. Payments settle in seconds with full buyer protection. We were paying Faire 25% before this."
David Osei
Director of Operations · Meridian Goods
SOC 2 aligned
Enterprise infrastructure
RLUSD by Ripple
NYDFS-regulated stablecoin
End-to-end encrypted
AES-256 + TLS 1.3
IRS-ready exports
1099-K compatible CSV
FAQ
Common questions
Everything you need to know about scaling payouts and processing with XRPay.
Not at all. XRPay works exactly like any other payment processor from your perspective — you see transactions, revenue, and payouts in your local currency. The global settlement network operates entirely behind the scenes.
Customers check out with their regular credit card, debit card, Apple Pay, or bank transfer. They see a normal checkout page — no new apps to download, no friction. The instant settlement happens automatically.
You can auto-sweep every payment directly to your connected local bank account in your native fiat currency (USD, EUR, GBP, etc.). There are no arbitrary holds, rolling reserves, or waiting periods — you have full control over your liquidity.
No. All merchant payments clear with instant finality, meaning there's zero currency fluctuation risk or cross-border markup. You receive exactly the amount you charge.
XRPay is enabled by default with our proprietary Just-in-Time Liquidity Provisioning (JIT-LP) engine. Instead of taking a cut of your sales, we pool idle merchant settlement balances (fiat stablecoins) into native XRPL AMM pools. The automated trading swap fees cover our off-ramp costs, allowing us to pass 100% of transaction values directly to you. Merchants whose internal treasury guidelines forbid AMM interaction can opt-out with one click in their settings.
Every payment automatically creates or updates contacts and deals in HubSpot or Salesforce in real-time. Customer data, including lifetime value and acquisition channel, syncs instantly with zero manual data entry.
Yes. Create subscription plans with flexible billing intervals (weekly, monthly, yearly). XRPay handles automated billing, retry logic for failed payments, and customer lifecycle management.
Still have questions?
Our team is available to help 24/7 to get your business up & running.
Contact our team