For Merchants

A payment method that
works while you work.

When a customer pays, your systems know instantly. Orders confirm, downloads unlock, fulfilment kicks off. No dashboard checking, no manual steps. You stay focused on building and selling.

Merchant accepting global XRP payments

More customers. Lower costs.
Same store.

DropPay adds as a payment method to your existing store. No new systems, no new workflow. Just better terms and a wider customer base.

Zero transaction fees

Pay a flat monthly rate with no percentage cut, no matter how much you sell.

Funds arrive in seconds

Payments confirm in seconds and land directly in your wallet, no payout schedule.

Customers from anywhere

No international surcharges, no blocked regions, same flat rate everywhere.

Works with what you have

Adds to your existing store as a payment option, nothing about how you work changes.

XRP gets the payment there.
You decide what you hold.

Think of XRP as the wire transfer, not the currency. It moves value across borders in seconds. Once it lands in your wallet, you convert to yen, won, dollars, or euros through a licensed exchange in your country.

Most merchants convert on the same day. There is no holding period and no minimum. Sell as much or as little as you want, whenever you want, on the exchange that works best for you.

How non-custodial payments work
100 XRP
1 XRP = $2.30 USD
USA
230 USD

Available on licensed exchanges worldwide.

Japan
South Korea
USA
UK
Argentina
Philippines
Europe

A clear view of every sale.

Everything is logged automatically. Check in when you need to, ignore it when you don't.

  • Every payment recorded with amount, date, and status
  • Export your full history as CSV for your accountant
  • Issue refunds and manage payments from one place
DropPay merchant dashboard showing transactions and payment status

Here is what changes. And what doesn't.

Your prices stay in your currency

You set prices in USD. DropPay converts to XRP at the live rate when a customer opens the payment page. The rate locks for 3 minutes so the amount they see is the amount they pay.

You convert on your own schedule

XRP is not the final asset - it is the transfer method. Once funds land in your wallet, convert to your local currency through a licensed exchange whenever it suits you. Most merchants convert the same day.

Funds land in your wallet, not ours

From the moment a payment confirms, the funds are yours. DropPay never holds, pools, or has access to them. Payments go directly from your customer's wallet to yours.

Your fulfilment process stays the same

DropPay fires a webhook when a payment confirms. Your existing system handles the order from there. Nothing about how you run your store needs to change.

Still have questions?

Do I need to change how my store works?
No. To get started you need a Xaman wallet - it is free, available on iOS and Android, and is the recommended way to receive XRP payments as a merchant. Add your Xaman wallet address to DropPay, connect a webhook to your existing order system, and you are done. When a payment confirms, DropPay fires the webhook and your system handles fulfilment exactly as it already does.
What do my customers need to pay?
Customers pay with any app that can send XRP. Xaman is the recommended wallet - it is free, available on iOS and Android, and designed specifically for XRP payments. Customers who already hold XRP on a local exchange like Coinbase, Kraken, or Upbit can also pay directly from their exchange app if it supports XRP withdrawals.
How do I get paid in my local currency?
You sell your XRP on a local licensed exchange and withdraw to your bank. In Japan: bitFlyer or SBI VC Trade. In South Korea: Upbit or Bithumb. In the US: Coinbase or Kraken. In Argentina: Binance or Ripio. In Europe: Kraken or Bitstamp. Most merchants convert on the same day the payment arrives.
What happens if I do not convert right away?
XRP sits in your wallet until you decide to sell it. You are never forced to convert on a schedule. Some merchants convert daily, others weekly. The choice is yours entirely.
Is this suitable for digital products and downloads?
Yes, DropPay works well for digital products. Payment confirms on-chain in seconds, your webhook fires, and your system delivers the download automatically. Payments cannot be reversed, which removes chargeback risk on digital goods.
Does DropPay work for physical goods businesses?
It can, but with one caveat. On-chain payments are final and cannot be reversed by anyone. For products with a returns or refund policy, you handle refunds by sending a new payment from your wallet to the customer. If your business processes a high volume of returns, DropPay may not be the right fit.

Want to know more?

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