PayPal VS NETTEN
Compare PayPal VS NETTEN and see what are their differences
Grow Revenue, Reduce Customer Churn, Retain Customers. Reward-driven customer loyalty & retention programmes, partner marketing platform and referral programmes
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PayPal
Stripe
PayPal Braintree
Payoneer
Wise
Skrill
Amazon Pay
Venmo
NETTEN
Stripe
Coinbase
Ripple (XRP)
XGo
BitPay
NOWPayments
CoinGate
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.
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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.
I used PayPal for years, but lately itโs been one of the most frustrating payment services Iโve dealt with. Their customer support feels almost nonexistent โ long wait times, scripted replies that donโt solve anything, and nobody seems empowered to actually help you.
One of the worst things is how easily they freeze or limit accounts, sometimes without clear explanation, leaving you unable to access your money for weeks. And when you try to dispute a charge or problem with an order, it often feels like you get brushed off rather than any real help.
Overall, PayPal used to be convenient, but recent experiences on safety holds, opaque policies, and unhelpful support make it feel more like a headache than a reliable way to pay or get paid
I like PayPal, it has a high security standard. Except when I am the one suffering a chargeback for some flimsy reasons.
Based on our record, PayPal seems to be more popular. It has been mentiond 1 time 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.
(I live in USA) When I go to payments under my shopify account to add paypal as a payment method I am having trouble doing so. I first click activate paypal > activate paypal express checkout which directs me to a "security challenge" (confirm I am not a robot). Then it just brings me to paypals website (paypal.com/us/home). When I sign in nothing happens, I am just on my paypal homescreen. Source: over 3 years ago
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.
PayPal Braintree - An all-in-one solution to accept, process, and split payments in your mobile app or online - from small business to large enterprise.
Coinbase - Bitcoin, safe and easy.
Payoneer - Whether making international payments, receiving funds, managing your digital business, or accessing capital, Payoneer opens your business up to the world.
Ripple (XRP) - Ripple is known as RTGS (real-time gross settlement system), exchange currency and a remittance network operated by the Ripple company.
Wise - Currency exchange Banks and other providers could charge you up to 5% in hidden costs when sending ...