Plans
Starter includes a small storefront, API access, and webhooks. Growth and Enterprise add commerce tools. You can expand payment capacity separately.
0.1% per confirmed payment on every plan.
Provider, network, conversion, and payout costs are separate when applicable.
Prices for US in USD
Starter
$0.00/month
No subscription charge
5 products · 10 confirmed payments
Live + test API keys · 1 webhook per environment
For new merchants and small catalogs.
Growth
$29.00/month
Billed monthly
500 payments · Unlimited products · 5 seats
API access · platform apps · 5 webhooks per environment
For merchants selling online and in person.
Enterprise
$99.00/month
Billed monthly
Unlimited payments and seats · 25 webhooks
API access · platform apps · 25 webhooks per environment · CRM connectors
For high-volume, b2b, and integration-heavy teams.
| Feature | starter | growth | enterprise |
|---|---|---|---|
| Pricing and usageSubscription charges, platform fees, and the operating limits enforced for each plan. | |||
| Monthly subscription | ✓ $0.00 / month | ✓ $29.00 / month | ✓ $99.00 / month |
| Annual subscription | ✓ No annual charge | ✓ $290.00 / year | ✓ $990.00 / year |
| Platform transaction feeProvider, network, conversion, and payout charges are separate when applicable. | ✓ 0.1% per confirmed transaction | ✓ 0.1% per confirmed transaction | ✓ 0.1% per confirmed transaction |
| Confirmed transactions per monthIncluded allowance. Optional Payments Standard removes the count cap with usage-based fees. | ✓ 10 transactions | ✓ 500 transactions | ✓ Unlimited |
| Team members | ✓ 1 member | ✓ 5 members | ✓ Unlimited |
| Published storefront products | ✓ 5 products | ✓ Unlimited | ✓ Unlimited |
| Images per product | ✓ 1 image | ✓ 8 images | ✓ 12 images |
| Videos per product | — Not included | — Not included | ✓ 3 videos |
| Payments and billingWays to request, accept, route, and reconcile customer payments. | |||
| Direct supported wallet checkoutDirect supported XRPL assets settle to the merchant wallet configured for the transaction. | ✓ Included | ✓ Included | ✓ Included |
| Payment links and invoices | ✓ Included | ✓ Included | ✓ Included |
| Eligible card and digital-asset checkout routesAvailability depends on country, currency, verification, and provider coverage. | — Not included | ✓ Included | ✓ Included |
| Bank settlement and fiat payoutsRegulated fiat rails require an active Growth or Enterprise subscription, provider verification, and regional eligibility. | — Not included | ✓ Included | ✓ Included |
| Payment capture controls | ✓ Escrow | ✓ Escrow, Automatic, Manual | ✓ Escrow, Automatic, Manual |
| XRPay ShareAllocate invoice proceeds to partners with their approval. | — Not included | ✓ Included | ✓ Included |
| Customer subscriptions and recurring billing | — Not included | ✓ Included | ✓ Included |
| Cross-currency XRPL DEX payments | — Not included | — Not included | ✓ Included |
| Commerce and channelsStorefront, point-of-sale, sales-channel, and customer-engagement capabilities. | |||
| Hosted storefront | ✓ Included | ✓ Included | ✓ Included |
| Product catalog, variants, and inventory tracking | ✓ Included | ✓ Included | ✓ Included |
| Coupons, shipping rates, and order fulfillment | ✓ Included | ✓ Included | ✓ Included |
| Customer, order, payment, and settlement records | ✓ Included | ✓ Included | ✓ Included |
| CSV transaction reporting | ✓ Included | ✓ Included | ✓ Included |
| Point of sale and kiosk mode | — Not included | ✓ Included | ✓ Included |
| Shopify and BigCommerce channels | — Not included | ✓ Included | ✓ Included |
| Telegram storefront | — Not included | ✓ Included | ✓ Included |
| WhatsApp Sales Assistant | ✓ Paid add-on | ✓ Paid add-on | ✓ Paid add-on |
| Event payments | — Not included | ✓ Included | ✓ Included |
| B2B wholesale marketplace and escrow | — Not included | — Not included | ✓ Included |
| Custom storefront domain | — Not included | ✓ Included | ✓ Included |
| Storefront contact details and WhatsApp action | — Not included | ✓ Included | ✓ Included |
| Remove XRPay storefront branding | — Not included | ✓ Included | ✓ Included |
| Customer loyalty tokens | — Not included | ✓ Included | ✓ Included |
| NFT receipts | — Not included | — Not included | ✓ Included |
| Operations and integrationsAutomation, reporting, developer access, branding, and support. | |||
| Outbound webhooksSeparate endpoint allowance for test and live environments. | ✓ 1 endpoint | ✓ 5 endpoints | ✓ 25 endpoints |
| XRPay Connect platform apps | — Not included | ✓ Included | ✓ Included |
| QuickBooks automatic sync | — Not included | ✓ Included | ✓ Included |
| HubSpot and Salesforce connectors | — Not included | — Not included | ✓ Included |
| Customer lifetime value analytics | — Not included | — Not included | ✓ Included |
| Production API access | ✓ Included | ✓ Included | ✓ Included |
| White-label point of sale | — Not included | — Not included | ✓ Included |
| Support | ✓ Community | ✓ Priority | ✓ Dedicated account manager |
Provider-backed card, bank, Mobile Money, conversion, and payout routes depend on country, currency, verification, provider coverage, and merchant configuration.
Yes. Account administrators can change plans from settings. Canceling stops the next renewal; already-paid periods and applicable refund terms remain unchanged.
An account administrator can enable Payments Standard to remove the payment-count cap with usage-based fees, independently of the commerce plan. Sandbox payments do not count toward live usage.
No. XRPay charges a 0.1% platform fee on confirmed transactions. Network costs and third-party payment, conversion, or payout fees are separate when those routes are used.