Getting Started with XRPay
Create an account, connect a merchant wallet, choose where you sell, and test the payment methods available for your business.
How It Works
XRPay connects storefronts, payment links, invoices, point of sale, and ecommerce channels to one payment history. Direct XRPL and provider-backed payment methods follow different setup, timing, fee, and dispute rules.
Create Your Account
Sign up with Google or email and enter your organization name.
Configure Settlement
Connect the merchant wallet used for direct XRP or RLUSD payments and complete any required trustline setup.
Choose Where You Sell
Publish a storefront, create a payment link or invoice, open POS, or connect a supported ecommerce channel.
Test Checkout
Confirm which wallet, card, bank, Mobile Money, and conversion routes are available for your country and configuration before going live.
Supported Sales Channels
Choose an XRPay sales surface or connect a supported external channel:
Why Merchants Choose XRPay
Direct XRPL Confirmation
Direct XRP and supported XRPL-token payments typically confirm in 3–5 seconds and settle to the wallet configured for the transaction.
Method-Specific Dispute Rules
Direct XRPL transfers do not use the card-network chargeback process. Provider-backed methods retain their own dispute and reversal rules.
Browser-Based POS
Open the register on a supported phone, tablet, or computer. A separate card reader is required only for configured terminal payments.
Visible Settlement Destination
Review the wallet or provider route used for the payment before enabling it.
Multiple Payment Routes
Depending on eligibility, checkout can show XRP, RLUSD, supported cryptocurrencies, cards, bank payments, or Mobile Money.
Connected Payment Records
Track payment links, POS sales, invoices, storefront orders, and B2B transactions from the dashboard.
Ready to Get Started?
Create your free XRPay account and follow the guided setup inside your dashboard. Our in-app help center walks you through every step — from wallet setup to your first payment.