Pay

Pay with XRP (XRP)

Pay any U.CASH merchant with XRP. Your XRP settles final and direct from your wallet, with low fees and no chargebacks.

Why pay with XRP

Crypto payments are final, global, and cheap. XRP is a strong way to pay merchants directly.

No chargebacks

XRP payments are final on-chain. No card-style disputes clawing funds back weeks later.

Borderless

Pay any U.CASH merchant worldwide. No blocked regions, no currency conversion holds.

Low fees

Network fees instead of card processing percentages, especially on efficient chains.

Private by default

No card number to hand over. You sign a transaction from your own wallet.

Pay by name

Send to a web3 name (ENS, Unstoppable Domains, FIO) instead of a long address.

Fast settlement

Merchants see your payment confirm quickly, then release goods or services.

How to pay with XRP

Step 01

Find a checkout

Open a Pay-Now link, an invoice, or any U.CASH merchant checkout that accepts XRP.

Step 02

Choose ${c.name}

Select XRP as your payment method from the supported coins.

Step 03

Pay from your wallet

Send XRP to the merchant address, or web3 name, shown on screen.

Step 04

Merchant confirms

The merchant watches the chain and releases your goods or services once XRP confirms.

Where you can pay

Online stores

Any merchant running U.CASH Pay can take your XRP at checkout.

Invoices

Pay a Pay-Now invoice or billing request in XRP, straight from your wallet.

Donations and tips

Support creators and causes with XRP, no intermediary taking a cut.

In person

Pay merchants and converters face to face; they watch the chain for your payment.

Subscriptions

Recurring billing handled per-cycle, settled direct to the merchant.

AI agents

Pay agents per request over the HTTP-402 protocol using XRP.

Pay with more than XRP

Bitcoin (BTC)

The original proof-of-work blockchain and largest cryptocurrency.

Ethereum (ETH)

The leading smart-contract blockchain and home of ERC-20.

Litecoin (LTC)

A fast, low-fee Bitcoin-family payments chain.

Dogecoin (DOGE)

Scrypt proof-of-work coin for low-cost tips and payments.

Stellar (XLM)

Fast, low-cost Layer 1 for cross-border payments.

Tether (USDT)

The largest US-dollar stablecoin, live on Ethereum, Tron, and BNB Chain.

Paying with XRP: FAQ

Where can I spend XRP?
Any merchant running U.CASH Pay can accept your XRP at checkout, plus invoices, donations, and in-person payments.
Can I get a refund in XRP?
Refunds are up to the merchant, but XRP refunds are simple: the merchant sends XRP back to your wallet address.
Do I pay network fees to pay with XRP?
Yes. You pay the XRP network fee for your transaction. On efficient chains that is a fraction of a cent.

Pay with XRP anywhere

Final, low-fee, borderless payments direct from your wallet to the merchant.