Cross-border commerce
Offer payment routes that match the buyer's location
Accept direct wallet payments and present eligible local or provider-backed methods by country and currency, without hiding how settlement and payout differ.
Where the flow breaks
The operational problems behind the payment
- 01Cross-border pricing can include several separate fees
- 02A method available in one country may be unavailable in another
- 03Payment confirmation and bank payout follow different timelines
- 04Multi-currency sales need an auditable original amount
How money moves
Three steps from request to recorded outcome
- 01
Price in the sale currency
Create the checkout, invoice, or link in the currency agreed with the buyer.
- 02
Resolve the available route
XRPay shows direct wallet and provider-backed methods supported for the location and currency.
- 03
Track settlement separately
Preserve the original payment record, then follow any conversion or payout as its own step.
Why it fits
Built around the work international sellers already do
- 01
Country-aware checkout
Do not promise a payment method before the merchant, buyer, currency, and provider route are eligible.
- 02
Original-currency records
Keep the invoiced amount and currency attached to the asset received and the rate used.
- 03
Visible payout conditions
Show verification, fees, minimums, and estimated timing before an eligible bank or mobile-money payout.
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 payments
- Multi-currency pricing
- Local payment routes
- RLUSD settlement
- FMV records
- Eligible payout routes
Questions
Details that affect setup
Does every international customer need a crypto wallet?
Direct XRP or RLUSD payments require a compatible wallet. Card, bank, or mobile-money methods may appear through available providers when the merchant, buyer location, currency, and route are eligible.
Can every merchant withdraw to a local bank?
No. Bank and mobile-money payouts depend on merchant verification, provider coverage, supported country and currency, transaction limits, and the destination account. Applicable fees and timing are shown for the selected route.
Continue reading
Review cross-border payment routes
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.