Built on the XRP Ledger · No merchant account required
A QR code on your counter. A customer scans. XRP settles to your wallet in three seconds. That's it. No Stripe. No Visa. No three-day settlement delay.
Who it's for
Whether you're selling coffee, accepting payments, or looking to earn from an entire territory — there's a place for you in this.
You sell goods or services. You want to accept payment without giving Visa 2.9% of every transaction.
You hold XRP. You want to spend it in the real world — at a café, a market stall, a retailer.
You want to collect transfer fees from commerce in your area — without serving a single customer yourself.
For merchants
No integration project. No developer. No bank approval process.
Free non-custodial XRP wallet. Your funds go directly to your wallet — the platform never touches them.
Add each product or service to the platform. Set the price in XRP. Each listing gets a QR code.
Print or display the QR codes next to your products. On a sign, a menu card, a screen, a label — your choice.
They scan. They see the product and price. They confirm in Xaman. XRP arrives in your wallet in three seconds.
Your Xaman history is your till receipt, bank statement, and accounting record. Public, permanent, exportable.
The economics
For a transaction under £2, card networks are economically unviable. XRPL removes the floor entirely.
| Payment method | £5 transaction | £0.50 transaction | £0.05 transaction |
|---|---|---|---|
| Visa / Mastercard | ~22p (1.5% + 20p) | 20–30p minimum — exceeds the transaction | Not viable |
| PayPal | ~37p (3.4% + 20p) | 20p minimum | Not viable |
| PayWithXRP | ~5p (1% total) | 0.5p | 0.05p |
| XRPL base fee (network cost) | £0.000006 | £0.000006 | £0.000006 |
PayWithXRP platform fee (~1% total) is distributed across node owners in the geographic hierarchy — not extracted by the platform. The platform takes no fixed minimum.
Micropayments — museum exhibits, street performers, per-minute parking, per-article news — are economically viable for the first time. No card network can make money on a 5p transaction. XRPL costs £0.000006.
The franchise model
The geographic hierarchy is an ownable, permanent, transferable asset. Every node collects transfer fees from every transaction in its territory — across every mode.
Districts. Counties. Countries. Each geographic node is a permanent NFT on the XRP Ledger. Once claimed, it's yours. It doesn't reset.
Your district node earns from PayWithXRP transactions, Collectors Emporium sales, and every future mode that runs in your territory. One node, multiple income streams.
XRPL transfer fees handle distribution automatically. No manual payouts. No "trust us." The ledger does it — and cannot be intercepted by anyone, including the founder.
A district with 200 active businesses and a transaction history has a calculable market value. The ledger provides irrefutable proof. No fabricated numbers — the chain IS the accounts.
PayWithXRP is live and onboarding merchants now. Follow @paym8s for territory availability, beta updates, and the first merchant launch announcements.