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NETTEN
PayPal
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Ripple (XRP)
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NOWPayments
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NETTEN is the payment platform built for freelancers, creators, and small businesses with cross-border clients. Send a payment link. Your client pays however they prefer: by card, bank transfer, or cryptocurrency. The money lands in your wallet in seconds, not days.
Pay links, invoicing, and merchant rewards are built in from day one. Every 10 confirmed transactions, RLUSD is deposited directly into your wallet. No claims, no thresholds, no waiting. Your rewards rate grows as your business grows.
NETTEN runs on the XRP Ledger and settles in RLUSD, a regulated USD stablecoin. The platform is fully non-custodial. Your money is always in your wallet, never ours. Even if NETTEN disappeared tomorrow, your funds are still yours.
Beta launches July 7, 2026. Free to start. The first 777 Pro members lock in $44/mo for life.
BitPay NETTENBitPay is recommended for businesses seeking an easy way to accept cryptocurrency payments, particularly those new to the space, as well as individual users who prefer a straightforward platform for managing their crypto transactions.
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NETTEN's answer:
Netten is the only payment platform built natively on the XRP Ledger that combines professional crypto invoicing, instant RLUSD stablecoin settlement, and a built-in loyalty mechanic โ the Net Ten Effect โ that automatically rewards merchants every 10 transactions. Unlike custodial platforms, Netten never holds your funds. Every payment settles directly to your XRPL wallet in 3โ5 seconds. The name itself contains the mechanic: Net Ten. It reads the same forwards and backwards.
NETTEN's answer:
Freelancers, independent creators, and small business owners who want to accept cryptocurrency payments professionally without sharing a raw wallet address, without custodial risk, and without paying 3โ5% to platforms that didnโt do the work. Early adopters include photographers, designers, developers, consultants, and merchants ready to accept digital assets before mainstream adoption arrives.
NETTEN's answer:
Netten was built from a single observation: the freelance economy generates over $1.27 trillion annually in the United States alone, and the people doing that work are systematically overcharged to receive payment for it. The founder, a systems architect and creative professional, built Netten to solve a problem he experienced directlyโฆ wanting a professional, non-custodial way to accept crypto payments without the friction of existing tools. Built solo on the XRP Ledger with no external funding, Netten launched as a live early-access product with verified XRPL test-net integration, 19/19 tests passing, and zero security vulnerabilities.
NETTEN's answer:
- Next.js (React) - frontend
- Fastify - API server, hosted on Railway
- Prisma + Neon PostgreSQL - database
- XRP Ledger - settlement layer (mainnet + testnet)
- RLUSD - regulated USD-pegged stablecoin settlement asset
- XRPL Webhooks with idempotent reconciliation queue
- Automated RLUSD trust line management for new wallets
NETTEN's answer:
Currently onboarding founding beta testers via netten.app - Initial cohort includes freelancers and independent creators - Small business merchant segment launching with POS integration
NETTEN's answer:
Netten helps freelancers, creators, merchants, and small business owners keep more of their earnings. Most payment platforms take 3โ5% of every transaction and hold your funds for days. Netten charges a flat platform fee starting at 1% and never holds your money. Every payment settles directly to your XRPL wallet in seconds.
Every 10 transactions, the Net Ten Effect automatically deposits RLUSD rewards to your wallet - no claiming, no notification. You just find money there. The reward doubles each quarter, capping at $2.00 per 10 transactions.
Your funds are yours the moment payment confirms. Sweep to your bank, let it accumulate, or earn yield on the XRP Ledger. No intermediary stands between you and your earnings.
Based on our record, BitPay seems to be more popular. It has been mentiond 43 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.
Plenty of software solutions like https://bitpay.com/ do this. Source: about 3 years ago
Also, both Crypto.com and Bitpay offer a debit card that can be loaded using crypto. It's actually quite convenient, but just understand that 1) once the money is in, you can't get it out, and 2) you can't use the card to purchase crypto (lol). And a bit of a pro tip, if you're looking to load one of these cards with, let's say, a few thousand dollars, make sure to swap your ETH to a stablecoin (i.e. USDC, USDT,... Source: about 3 years ago
Can you message me the invoice ID? Once received, I will contact you from bitpay.com Support Channel. Source: about 3 years ago
1) Easiest: use a 3rd party API like BitPay. Downside: they charge a 1% + $0.25 for every payment. Source: over 3 years ago
For example, an article on a crypto forum about how a particular company is 'accepting Bitcoin' will not point out that in most cases, the company in question is not actually accepting crypto, but instead partnering with an intermediary exchange who will accept crypto, convert it to fiat, and then pay the company. This is also the case with Paypal. They're lauded as now allowing people to buy/sell crypto, but in... Source: over 3 years ago
Coinbase - Bitcoin, safe and easy.
PayPal - PayPal is the faster, safer way to pay online without sharing financial details, send and receive money or accept credit and debit cards as a seller
CoinGate - CoinGate is a payment gateway for Bitcoin, XRP, Litecoin, Ethereum and 50 other cryptocurrencies.
Stripe - Online payment processing for internet businesses. Stripe is a suite of payment APIs that powers commerce for online businesses of all sizes. Use Stripeโs payment platform to accept and process payments online for easy-to-use commerce solutions.
CoinPayments - Payment gateway providing buy now buttons, shopping carts, and more to accept Bitcoin, Litecoin, and other cryptocurrencies/altcoins on your website/online store.
NOWPayments - NOWPayments is a crypto payment gateway that supports more than 300 cryptocurrencies, including fiat, and offers simple tools to accept crypto payments, like a crypto payments API, plugins, invoices.