XRP made its debut on BitPay in January 2020, and today a growing number of global businesses accept direct payments in the cryptocurrency, which is known for offering fast and inexpensive payments. Ahead, find out more about where you can spend XRP directly from your wallet.

Note: At this time, BitPay only supports XRP transactions for merchants and users outside of the U.S.

15 BitPay merchants that accept XRP payments

Between XRP’s blistering settlement time of 4 seconds and its average transaction cost of a fraction of a penny, it’s easy to see why companies have embraced accepting payments in Ripple Labs’ native cryptocurrency. BitPay only supports XRP for businesses and crypto users located outside the U.S. So if you’re a non-U.S. resident in the market for anything from electronics to furniture to luxury goods, there’s probably a BitPay partner merchant ready to accept your XRP in exchange, including:

Auragentum GmbH

German-based precious metals dealer that buys and sells gold, silver, platinum and more.

Marc Gebauer Lifestyle GmbH

Premier seller of luxury watches including brands like Rolex, Audemars, Patek Philippe and more. Based in DĂĽsseldorf.

Prepaid Gamer Online

Top South African-based online merchant offering prepaid game codes, gift cards and more, all delivered 24/7.

Hawk Host Inc.

Web hosting company providing a wide range of options for finding your home on the web. From virtual web hosting, reseller hosting and VPS hosting, the Canadian company offers it all.


Easily buy, send and redeem digital gift cards around the clock using XRP from anywhere in South Africa.

Whisky and More

One of New Zealand’s most popular online destinations for buying whisky and other high-end spirits.

Sharps Pixley

One of London’s top bullion brokers, Sharps Pixley buys and sells gold, silver and other precious metals. It accepts a number of cryptocurrencies including XRP.


Online retailer of entertainment products from Asia, spanning import video games, digital codes, movies, computers, apparel and more.


Popular maker of hardware crypto wallets including the well-known Nano line. The French-based retailer accepts XRP payments across their product offerings.


Dutch purveyor of computer services including GPU dedicated and VPS servers, private cloud solutions, equipment leasing and colocation services.

Scan Computers

Leading UK-based electronics retailer offering discounts on computer hardware and software, game consoles and audio equipment.

Cryptohopper B.V.

Crypto trading bot offering fully automatic trading and supporting over 75 cryptocurrencies and 9 leading exchanges. Based in the Netherlands.


Latvian-headquartered low-cost airline providing inexpensive flights to the Baltics, the Middle East and Europe, over 70 destinations total out of Riga, Vilnius and Tallinn.


Top online food delivery marketplace based in Holland with service spanning 22 countries across 5 continents.


UK-based online furniture and home accessories merchant stocking over 100,000 products and offering low everyday prices on everything from lamps to sofas to dining tables to patio sets.

See all of the things you can buy with XRP + other cryptocurrencies

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Paying a BitPay invoice with XRP

The process of paying a BitPay XRP invoice couldn’t be simpler. Just 5 easy steps and you’re good to go. One important thing to note is no matter what crypto wallet you use, make sure it’s well established and has a good reputation. Smaller, less-common XRP wallets may experience higher error rates when making XRP payments. See our list of supported wallets.

Step 1: At checkout, select BitPay as your payment method.

BitPay is the safest and most secure way to pay online.

spend xrp step 1

Step 2: Select Begin Payment.

Depending on the merchant you are paying or the transaction amount, you may be prompted to verify for BitPay ID. Don't have a BitPay ID? Sign up to get started. BitPay ID is a simple way to manage your payments information with BitPay and simplify logins for multiple BitPay products. All that is required is an email and password. The one-time verification requirement is for people making BitPay merchant or prepaid payments of $3,000+, initiating refund requests for amounts of $1000+, or receiving BitPay payouts.

spend xrp step 2
In checkout, select BitPay and tap "Begin Payment"

Step 3: Select your wallet.

BitPay supports over 100 of the most popular cryptocurrency wallets. Remember, for the best XRP payment experience, use a well-established XRP wallet. Smaller, niche XRP wallets have a higher likelihood of experiencing payment errors.

spend xrp step 3
Choose your preferred XRP wallet

Step 4: Select XRP as your cryptocurrency

In addition to XRP, BitPay supports the most popular cryptocurrencies. We are constantly evaluating and adding more. You may be asked to enter your email address if you did not already sign in with your BitPay ID. Your email will be used to receive payment information and process refunds.

spend xrp step 4
Select XRP as your currency

Step 5: Scan the QR code with your wallet app or input the merchant’s receiving wallet info manually into your wallet to complete the transaction.

You'll see the payment reflected on the invoice instantly once you validate the payment in your wallet. Remember to send your payment during the 15-minute payment window.

spend xrp step 5
Pay the XRP invoice with the wallet you selected

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Make a P2P XRP payment with the BitPay Wallet

If you’re looking to make a peer-to-peer (P2P) payment, you can send XRP directly to another user with the BitPay Wallet quickly and easily. It only takes a few steps.

  1. Open the BitPay Wallet app
  2. Click on your XRP wallet
  3. Click “Send”
  4. Enter the wallet address you want to send to (or scan the receiver's QR code)
  5. Enter the amount of XRP you want to send
  6. Confirm payment details and slide to send

FAQs about spending XRP

Can I load the BitPay Card with XRP?

No. The BitPay Card is currently only available to U.S. residents. BitPay does not support XRP transactions within the U.S.

Can I buy gift cards in the BitPay app or Chrome extension with XRP?

BitPay does not support gift card loading with XRP through the BitPay app or Chrome extension. However, several BitPay merchants based outside the U.S. do allow crypto users to purchase gift cards with XRP. Check out our searchable Merchant Directory of BitPay partners to learn which of your favorite businesses around the world accept crypto payments.