XRP

Accept XRP Crypto Payments Online

Accept fast, ultra-low-fee XRP payments for e-commerce, hosting, travel, and B2B invoices with deterministic session tracking and a flat 0.5% gateway fee.

Start accepting XRP View API Docs AI & MCP Portal

0.5%

Gateway fee

30+

Supported tokens

7+

Blockchain networks

24/7

Always-on settlement

What is XRP (XRP)?

XRP settles on the XRP Ledger in 3–5 seconds at ~$0.0002 network cost, making it one of the longest-running cross-border liquidity and retail payment assets worldwide. XPayr helps merchants capture global XRP holders with structured invoice sessions and 0.5% non-custodial settlement.

Supported Networks: XRP Ledger & Supported Wrapped EVM/BSC Routes
4-step flow

How do XRP payments work?

Accept XRP payments through XPayr in four simple steps.

1

Create merchant account

Sign up on XPayr and configure your wallet address for XRP settlement.

2

Integrate payment flow

Use API, plugins, payment links, or widgets to add XRP checkout to your site.

3

Customer pays with XRP

Customer selects XRP at checkout. XPayr generates a payment invoice with real-time pricing.

4

Receive to your wallet

Once confirmed on-chain, the payment is settled directly to your personal XRP wallet.

Why accept XRP payments?

Compelling reasons to add XRP as a payment option for your business.

3–5 Second Ledger Finality

Close online and point-of-sale checkouts in seconds without 10-minute block waits.

Deep Global Holder Liquidity

Widely held across APAC, UK, MENA, and LATAM exchanges for fast cross-border transfers.

Zero Chargeback Exposure

Irreversible cryptographic settlement with signed HMAC-SHA256 merchant webhooks.

create-payment.js 
const response = await fetch('https://api.xpayr.com/v1/payment', {
  method: 'POST',
  headers: {
    'x-api-key': YOUR_API_KEY,
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    price_amount: 100,
    price_currency: 'usd',
    pay_currency: 'xrp',
    order_id: 'ORDER-001'
  })
});

const payment = await response.json();
// payment.pay_address  → Send XRP here
// payment.pay_amount   → Exact XRP amount

How to accept XRP payments

  1. Sign up Create your free XPayr merchant account.
  2. Add your XRP wallet Enter your XRP wallet address for settlement.
  3. Generate API key Create an API key from your merchant dashboard.
  4. Choose integration method Use API, plugins, invoices, or payment buttons.
  5. Start accepting XRP! Go live and let customers pay with XRP.
Transparent 0.5% Gateway Fee for XRP

Accepting $1,000.00 in XRP (XRP) costs a flat $5.00 USD (0.5%) gateway fee with $995.00 USD settled directly to your non-custodial wallet. Zero custody, zero rolling reserves, and 1% (max $0.50) exchange withdrawal fee tolerance.

Automate XRP Checkout via AI Agents & MCP

Invoke xpayr_create_payment_session or xpayr_calculate_gateway_fee for XRP using npx -y @xpayr/mcp-server or our Remote MCP endpoint:

POST https://xpayr.com/api/mcp
FAQ

XRP Payment Questions

Everything you need to know about accepting XRP payments through XPayr.

XRP combines 3-second settlement speed with near-zero network fees and massive liquidity on every major global exchange.

Each payment session tracks exact invoice references and fires signed HMAC-SHA256 webhooks to your WooCommerce, WHMCS, Laravel, or custom API backend.

A flat 0.5% (50 bps) gateway fee with $0 monthly fees and 100% non-custodial settlement.

Ready to accept XRP payments?

Create your free merchant account and start accepting XRP in minutes. No monthly fees, transparent pricing, direct wallet settlement.

Start for free Talk to sales