Accept XRP payments
XRP settlement feels closest to a bank transfer done right: the customer pays your own XRPL account, a destination tag ties the payment to its invoice, and the ledger closes it out in moments. There is no intermediary address at all. That heritage, a network built for settlement rather than general computation, shows in how uneventful the whole thing is.
How XRP settles here
Payments go to an account you own and are matched to the invoice by a per-payment reference, so no forwarding step exists. NoHoldPay reads the ledger, resolves the reference to your invoice, and delivers the signed webhook on confirmation, with your account balance never leaving your control.
| Network | Confirmation rule (live) | Typical time |
|---|---|---|
| XRP Ledger | Payments are final as soon as the network validates the transaction. There is no reorg window. | a few seconds |
Why merchants take XRP
XRP has spent its whole existence in payments. The ledger was engineered for settlement, so transfers finalize fast, fees stay negligible, and the network has run continuously through every market cycle. XRP holders tend to be long-tenured and comfortable moving their coins, and many keep balances on exchanges whose withdrawal forms already handle destination tags, which turns paying an invoice into a routine withdrawal. With NoHoldPay the receiving account is your own XRPL account. Each checkout shows your address with a per-payment destination tag, nothing is forwarded or held along the way, and the money is yours the instant the ledger closes. The tag is bookkeeping. The payment is direct.
Worth knowing
An XRPL account must hold a small reserve of XRP to exist on the ledger, so the receiving account you register needs to be a live, funded account, which any wallet you actively use already is. The destination tag is the load-bearing detail: it is what ties an incoming transfer to a specific invoice, and the checkout shows it beside your address, including in a combined single-string format many wallets accept. A transfer that arrives without its tag still sits in your account (it never touched anyone else's), but pairing it with the right order takes manual attention.
The platform fee is 0.5% per confirmed payment, prepaid. New accounts start with $50 of live credit, covering roughly the first $10,000 processed. Checkout ships hosted, or through the WooCommerce and OpenCart plugins.
Common questions
- What is the destination tag on my XRP checkout for?
- XRP payments go directly into your own XRPL account, so each invoice needs a marker to tell it apart from the rest, and the destination tag is that marker. The checkout generates one per payment and displays it next to your address. Wallets and exchanges provide a dedicated field for it.
- Do exchange withdrawals handle the destination tag correctly?
- Better than most payment details, because exchanges depend on tags internally themselves. Every withdrawal form includes a dedicated destination tag field, so a buyer entering the tag your checkout shows is following a flow the exchange designed. The payment matches its invoice on arrival like any other.
- How final is an XRP payment once the checkout shows it settled?
- Final in the strongest sense the ledger offers. The XRPL advances by validated ledger closes rather than mined blocks, so there is no reorg window to sit through and no depth-counting before you trust the funds. Once the close carrying the payment validates, the transfer is irreversible and your balance already reflects it.
Take your first XRP payment
Add a wallet, create a payment, and watch it confirm on a testnet before going live.
Accept XRP