Accepting payments from customers online has long meant choosing between platforms that charge high fees, restrict access by geography, or hold funds for days before releasing them. For merchants who want more control over the business they have built, there is a better model.

DropPay is non-custodial payment infrastructure. Payments go directly from the customer's XRP wallet to yours. DropPay monitors the XRP Ledger, confirms the transaction, and notifies your system via webhook. No platform holds the funds. No settlement window.

There are two ways to get started: Payment Links, which require no code, and Embedded Checkout, which integrates into your existing website or application.

Before you start

You need two things: a DropPay account and an XRP wallet address where funds will arrive. If you do not have a dedicated XRP wallet, your existing exchange account works. Any exchange that supports XRP, such as Coinbase, Kraken, or Binance, provides a deposit address you can use as your receiving address.

Go to droppayxrp.com/signup, create your account, and add your wallet address in Settings. That is the full setup.

Payment Links are the fastest way to start accepting payments. No developer, no code, no website required. You create a payment request from the dashboard, set the amount and description, and share the link directly with your customer.

To create your first Payment Link:

  1. Go to Payments in your dashboard and click New Payment
  2. Enter the amount in USD. DropPay converts the amount to XRP at the time of payment.
  3. Add a description so you and your customer know what the payment is for
  4. Copy the link and send it via email, WhatsApp, or invoice

When your customer pays, the XRP arrives in your wallet and a receipt is sent to them automatically. If you have webhooks configured (available on Pro), your system is notified the moment the payment confirms on the ledger.

Payment Links suit freelancers invoicing clients, service businesses taking deposits, and any merchant who does not need a fully integrated checkout flow. See the Payment Links overview for the full feature list.

Option 2: Embedded Checkout

Embedded Checkout integrates XRP payments into your website or application. Customers complete payment on the DropPay pay page and are redirected back to your site once confirmed. Your server handles order fulfillment via webhook.

The integration has three parts:

  1. Create a payment request. Your server calls the DropPay API with the amount, currency, and a return URL. The API responds with a payment URL.
  2. Send the customer to the payment page. The customer sees the amount, a QR code, and payment instructions. They pay from any XRP wallet or exchange account.
  3. Handle the webhook. DropPay posts to your endpoint when payment confirms. Verify the signature and fulfill the order.

No SDK is required. Any language that can make HTTP requests works. Full API documentation and integration examples are in the developer docs.

The Embedded Checkout API handles both human customers and AI agent payments through the same integration. If you are building a service that AI agents will call, no additional setup is needed. See AI Agent Payments for details.

Common mistakes to avoid

Wrong wallet address in Settings. All payments go to the XRP address you configure in your account. Verify it carefully when you set up and again after any account changes.

Reusing payment URLs. Each payment request produces a unique URL. Create a new request for each transaction. Do not share the same URL with multiple customers.

Skipping webhook signature verification. DropPay signs every webhook payload. Always verify the signature before fulfilling an order. The docs include verification examples for common languages.

Planning for local currency on the same day. XRP arrives in your wallet within seconds of a payment confirming. Converting to local currency is a separate step that requires selling XRP on an exchange. Factor that into your cash flow planning.

Frequently asked questions

Do customers need a crypto account to pay? Customers need an XRP wallet, which is an account on any exchange that supports XRP. Most customers in markets where XRP is widely traded already have one. For customers who are new to XRP, How to Get an XRP Wallet covers the setup in full.

How quickly do funds arrive? XRP transactions confirm on the ledger in 3 to 5 seconds. Funds arrive in your wallet at that point. There is no hold period and no platform intermediary in between.

Can I keep Stripe or PayPal alongside DropPay? Yes. DropPay adds a payment method to your checkout. Many merchants offer both card and XRP options, giving customers the choice.

What does it cost? The Free plan supports up to 25 payments per month with no transaction fees. Pro is a flat $9.99 per month with no per-transaction fees. See pricing for the full breakdown.

Start accepting XRP payments today

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