Plans

Build payments into your product.

Start with live and test API access. Enable usage-based payments when you are ready to grow, while keeping your current commerce plan.

0.1% per confirmed payment on every plan.

Provider, network, conversion, and payout costs are separate when applicable.

Developer Starter

$0/month

Build and test a complete payment integration. Transaction fees apply to confirmed live payments.

Live and test API keys
10 confirmed live payments per month on Commerce Starter
One webhook endpoint per environment, with signed events and retries
100 requests per minute · free sandbox payments

Start building

Payments Standard

$0/month

0.1% per confirmed payment at standard pricing. Your account shows any negotiated rate before activation.

No monthly payment-count cap after activation
5 webhook endpoints per environment
100 requests per minute; higher commerce allowances are preserved
API and dashboard payments share one usage record

Create an account

Payment method, verification, risk, and billing requirements still apply. Provider and network charges are separate. Additional payment rails, Connect platform apps, and commerce features retain their existing eligibility requirements. Contact us for higher throughput or platform agreements.

Questions before you choose

Can I switch plans or cancel?

Yes. Account administrators can change plans from settings. Canceling stops the next renewal; already-paid periods and applicable refund terms remain unchanged.

What happens at my monthly payment limit?

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.

Are provider fees included?

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.