Accept XRP & RLUSD Payments
XRP settles in 3-5 seconds for ~$0.00002. No chargebacks, no processor fees, no 3-day settlement delays. Here is how to accept it for your business.
Why Accept XRP?
| Feature | Credit Cards | XRP / RLUSD |
|---|---|---|
| Processing fee | 2.5-3.5% | ~$0.00002 flat |
| Settlement time | 1-3 business days | 3-5 seconds |
| Chargebacks | Yes (costly) | Not possible |
| International fees | +1-3% cross-border | Same fee globally |
| Minimum transaction | $5-15 common | No minimum |
| Works on weekends | Batch processing | 24/7/365 |
Option 1: Payment Gateway (Easiest)
Payment gateways handle the integration for you. They provide checkout widgets, invoicing, and optional auto-conversion to fiat.
| Gateway | Fee | Fiat Conversion | Best For |
|---|---|---|---|
| CoinGate | <1% | Yes (EUR, USD) | E-commerce, invoicing |
| NOWPayments | 0.5% | Yes | SaaS, subscriptions |
| CoinsPaid | 0.8% | Yes | High-volume merchants |
| BitPay | 1% | Yes (many currencies) | Enterprise |
Option 2: Direct XRPL Integration
For developers who want full control, accepting XRP payments directly is straightforward using the xrpl.js or xrpl-py libraries:
Generate a destination tag per order
Use a unique destination tag for each payment to identify which order is being paid. This lets you use a single XRP address for all payments.
Monitor incoming payments via WebSocket
Subscribe to your account's transaction stream. When a payment arrives with the matching destination tag and amount, mark the order as paid.
Confirm finality
XRP transactions are final once validated in a ledger (3-5 seconds). Unlike Bitcoin, there is no need to wait for multiple confirmations. A validated transaction cannot be reversed.
Accept RLUSD for Stable Value
If you want to accept crypto without price volatility, accept RLUSD — Ripple's USD-pegged stablecoin on the XRP Ledger. Customers pay in RLUSD, you receive dollar-equivalent value without needing to convert.
You can also accept any XRPL token and auto-swap to RLUSD or XRP using the XRPL.to API for programmatic trading.
Using the XRPL.to API
The XRPL.to API provides endpoints useful for merchant integration:
- Token prices — convert between XRP, RLUSD, and USD values in real-time
- Swap quotes — get exchange rates for auto-converting received tokens
- Transaction lookup — verify payments by transaction hash
- WebSocket — real-time notifications for incoming payments
See the API documentation for endpoint details.
Security Best Practices
Get Started
Start accepting XRP and RLUSD payments with near-zero fees and instant settlement.