Specialized commerce
Use direct wallet payments without hiding the compliance rules
Lawful businesses can add direct XRPL payments that do not use card-network chargebacks. Provider-backed funding and payouts remain subject to eligibility, verification, monitoring, and provider terms.
Where the flow breaks
The operational problems behind the payment
- 01Card pricing can rise with a processor's risk classification
- 02Reserves and holds make available cash difficult to predict
- 03Dispute ratios can threaten a card-processing relationship
- 04Payment availability changes across industries and jurisdictions
How money moves
Three steps from request to recorded outcome
- 01
Confirm the business is eligible
Review applicable law, XRPay terms, and the requirements of any external provider before enabling a route.
- 02
Offer a direct payment option
Create a wallet payment request that settles to the configured merchant destination after confirmation.
- 03
Keep other routes distinct
Treat card, bank, conversion, and payout services under their own dispute and compliance rules.
Why it fits
Built around the work businesses with complex payment needs already do
- 01
Direct settlement
Supported direct XRPL payments settle to the configured merchant wallet rather than a card acquirer balance.
- 02
No card-network dispute on direct payments
A confirmed on-ledger payment is final, while merchant-initiated refunds remain separate transactions.
- 03
Explicit provider boundaries
Eligibility, holds, monitoring, and prohibited-use rules remain visible for regulated funding and payout routes.
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.
- Direct wallet settlement
- Payment links
- Transaction records
- Merchant refunds
- API and webhooks
- Route-level status
Questions
Details that affect setup
Does XRPay make every industry eligible?
No. A payment method does not override applicable law, XRPay terms, sanctions rules, or an external provider's prohibited-use and eligibility requirements. The merchant is responsible for operating lawfully in every jurisdiction it serves.
Can a direct XRPL payment be charged back?
A confirmed XRPL payment does not use the card-network chargeback process. A merchant can issue a separate refund. Provider-backed card or bank payments retain the dispute rules of the selected provider.
Continue reading
Review direct payment options
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.