XRPay
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Payment processor comparison

Direct XRPL vs Stripe cards: an illustrative fee comparison

On a $100 international transaction, Stripe charges $5.40. XRPay charges $0.10. Direct XRPL payments settle to the configured merchant wallet and do not use card-network chargebacks. Stripe-backed methods retain Stripe processing and dispute rules.

~54x

Base fee ratio

3 sec

Settlement

Direct

Wallet settlement

24/7

Always on

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Fee comparison

Compare the route used

This illustration compares published Stripe card pricing with XRPay's platform fee for a direct XRPL transfer. Provider-backed XRPay routes retain their provider pricing and dispute rules.

Stripe — $100 international transaction

$5.40

2.9% + 1.5% + 1% + 30¢

XRPay — $100 international transaction

$0.10

0.1% platform fee · network costs separate

Fee typeStripeXRPaySavings
Online card payments2.9% + 30¢0.1% flat~97% less
In-person (terminal)2.7% + 5¢0.1% flat~96% less
International card+1.5% surchargeSame 0.1%~98% less
Currency conversion+1% extraNot applicable100% less
Card-network disputesApplies to card paymentsNot used by direct XRPL transfersDifferent payment model
Custody and holdsProvider terms applyDirect XRPL settlement uses the configured walletRoute-dependent

Source: Stripe public pricing page, April 2026. Stripe's chargeback fee increased to $15 + $15 to contest in June 2025.

Settlement speed

Your money, in seconds — not days

Stripe holds your money for 2–7 business days. XRPay settles to your wallet in 3–5 seconds. 24/7/365.

XRPay3–5 seconds
✓ SETTLED
Stripe2–5 business days
TypeStripeXRPayAdvantage
Domestic cards2 business days3–5 seconds~50,000x
International5 business days3–5 seconds~100,000x
ACH / bank transfer4–6 business days3–5 seconds~70,000x
Direct wallet settlementNot an XRPL wallet flowTypically 3–5 seconds on XRPLDirect
Weekend / holidayNo settlement24/7/365Always on
Custody model

Your money should be yours

Stripe card processing and a direct XRPL transfer use different custody and settlement models. Provider-backed XRPay routes still follow the provider's hold, payout, and dispute terms.

Stripe — Custodial
  • ✕Stripe holds your funds
  • ✕Account can be frozen for suspicious activity
  • ✕Funds locked up to 90+ days during review
  • ✕Payout schedule determined by Stripe
  • ✕Platform risk — if Stripe has issues, your money is stuck
XRPay — Self-Custody
  • ✓You hold your funds in your own wallet
  • ✓Direct settlement goes to the wallet configured for the transaction
  • ✓Direct XRPL payments typically confirm in 3–5 seconds
  • ✓No provider payout schedule applies to the direct transfer itself
  • ✓Wallet access and key security remain the wallet holder's responsibility
Feature comparison

An honest look at every feature

Stripe excels at card-based commerce. XRPay excels everywhere else. Here's the full picture — no spin.

FeatureStripeXRPay
Online payments
✓

100+ methods

✓

Crypto + fiat checkout

In-person POS
✓

Dedicated hardware

✓

Software POS + kiosk

Invoicing
✓

Basic

✓

Full + escrow

Subscriptions
✓

Stripe Billing

✓

Built-in

Payment links
✓

No-code links

✓

Social + shareable

QuickBooks sync
✓

Via partners

✓

Native

Tax automation
✓

Stripe Tax (50+ countries)

✓

Rate tables + FMV ledger

Analytics & reporting
✓

Sigma ($0.02/row)

✓

Built-in (free)

Fraud detection
✓

Radar ($0.05/txn)

✓

Blockchain-verified

Revenue recovery
✓

Dunning & retries

✕

—

Marketplace payments
✓

Stripe Connect

✕

Coming soon

Business lending
✓

Stripe Capital

✕

—

Identity verification
✓

Stripe Identity

✕

—

Telegram storefront
✕

—

✓

Native bot

WhatsApp payments
✕

—

✓

Business API

Discord payments
✕

—

✓

Community integration

B2B wholesale marketplace
✕

—

✓

Escrow-protected

CRM sync (HubSpot/Salesforce)
✕

App marketplace only

✓

Native built-in

Self-custody wallet
✕

Custodial

✓

Your keys, your funds

Card-network chargebacks on direct wallet payments
✕

Applies to card payments

✓

Direct XRPL transfers use ledger finality

Stripe is excellent for card-based commerce. XRPay is built for merchants who need more: direct wallet settlement, disclosed platform fees, and connected online and in-person sales records that extends to messaging, social, and wholesale.

Savings calculator

How much would you save
switching from Stripe?

$25,000
$50
20%
5
Stripe annual cost

$0

Domestic fees (2.9% + 30¢)$8,400
International fees (5.4% + 30¢)$3,600
Chargeback fees ($15 × 5/mo)$900
XRPay annual cost

$0

All transactions (0.1% flat)$300
Chargebacks$0

Your annual savings

$0

That's 98% less in payment processing costs

Start saving now

Stop overpaying for payments

Compare XRPay’s 0.1% platform fee, plan limits, direct XRPL settlement, and provider-backed routes with the fees and timing in your Stripe agreement.

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