Professional services
Track client payments from invoice to payout
Create an invoice or payment link, let the client use an available payment method, and keep confirmation, settlement, and fair-market-value records together.
Where the flow breaks
The operational problems behind the payment
- 01Long payment terms make cash flow unpredictable
- 02International transfers add fees and intermediary steps
- 03Payment holds are difficult to reconcile with project work
- 04Digital-asset income needs a defensible value-at-receipt record
How money moves
Three steps from request to recorded outcome
- 01
Create the request
Send a branded invoice or payment link in the currency agreed with the client.
- 02
Let the client choose
XRPay displays the wallet or provider-backed methods eligible for that route.
- 03
Record what happened
Track confirmation, the received asset, fair market value, and any separate payout.
Why it fits
Built around the work freelancers & consultants already do
- 01
One payment record
Keep the client, invoice, currency, payment route, and confirmation status attached to the same transaction.
- 02
Clear cross-border options
Offer direct wallet payment globally while showing provider-backed methods only where they are available.
- 03
Exportable transaction history
Use fair-market-value and transaction exports as inputs for accounting and tax preparation.
Direct settlement
Know which route you are using
Direct XRP and RLUSD payments require a compatible wallet and typically confirm on the XRP Ledger in 3–5 seconds. They settle to the merchant destination configured for that payment.
Provider-backed routes
Availability and timing can change
Card, bank, mobile-money, conversion, and payout services depend on country, currency, verification, provider coverage, fees, limits, and processing time. XRPay shows the available route before confirmation.
Available tools
Use only what the workflow needs
Start with one payment surface and add adjacent commerce tools when the business process requires them.
- Payment links
- Invoicing
- Recurring billing
- Bank payout options
- FMV records
- Multi-currency pricing
Questions
Details that affect setup
Can a client pay without a crypto wallet?
Possibly. Card, bank, or mobile-money methods may appear through an available provider when the merchant, client location, currency, and route are eligible. Otherwise, a direct wallet payment is required.
Does XRPay file taxes for me?
No. XRPay records payment details and fair market value at receipt for export. Tax treatment depends on your jurisdiction and circumstances, so use those records with your accountant or tax adviser.
Can I create recurring invoices?
You can create recurring billing schedules and track each payment cycle. Collection behavior depends on the payment method and authorization available for that subscription.
Create a client payment request
Starter is $0 per month. The 0.5% platform transaction fee and any network, provider, conversion, FX, or payout costs depend on the route used.