Merchant Access
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Features How it works Pricing $CADENCE Contact
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Built on XRPL · cadencepay.io

Payments that
make a splash.

Every drop counts.

CadencePay is the recurring payment protocol for the XRP Ledger. Accept automatic subscriptions from any XRPL wallet — no banks, no chargebacks, no 2.9% fees.

Start for free See how it works →
Free to start
No credit card
5 min setup
Live payment rhythm
🌐
NovaSaaS Pro
Auto-renewed · 2s ago
+74.81 XRP
SETTLED
📰
ChainLetter Weekly
New subscriber · 14s ago
+24.94 XRP
SETTLED
🏛
AlphaDAO Membership
Auto-renewed · 1m ago
+499.75 XRP
SETTLED
TODAY'S VOLUME
48,250 XRP
Trusted by builders on
XRPL Foundation Ripple Accelerator XUMM Ecosystem Sologenic XRP Ledger Grants
Why CadencePay

Stripe charges 2.9%.
We charge 0.25%.

Everything your business needs to run recurring payments — built directly on the XRP Ledger. No intermediaries. No custody risk. Just rhythm.

Contact us
Questions? We're here.
[email protected]
⚡
Native Escrow
Funds locked by the ledger itself. No smart contract risk, no counterparty exposure.
🔄
Any Cycle
Daily, weekly, monthly, quarterly, yearly — or custom intervals down to the second.
🌍
Truly Global
Any XRPL wallet can subscribe. No bank account, no card, no country restrictions.
🔑
API + Webhooks
Full REST API, signed webhooks, and SDKs. Integrate in under 10 minutes.
🛡
Zero Chargebacks
Trustless by design. Subscribers cancel on-chain for an instant refund. No disputes.
📊
Live Dashboard
Real-time MRR, churn, and subscriber analytics sourced directly from the ledger.
Under the hood

Four steps.
Zero custody.

CadencePay uses XRPL's native EscrowCreate and EscrowFinish primitives. No smart contracts. No bridges. Just the ledger.

01
Subscriber locks XRP
Your subscriber signs an EscrowCreate from their XRPL wallet — locking payment with a FinishAfter time condition.
TransactionType: "EscrowCreate"
Amount: "75000000"
FinishAfter: 782654321
02
Keeper Bot watches
CadencePay's bot connects to the XRPL websocket and monitors every ledger close for matured escrows.
client.on('ledgerClosed',
 () => checkEscrows())
03
Payment split & settled
Bot fires EscrowFinish — 99.75% to your wallet, 0.25% protocol fee. One atomic on-ledger transaction.
// merchant: 99.75%
// protocol: 0.25%
// xrpl fee: 0.00002
04
Next cycle deployed
New escrow is immediately created for the next billing cycle. Repeats automatically until cancelled.
nextEscrow.FinishAfter
 = now + cycleSecs
// perpetual ♾
Pricing

Pay only when
you get paid.

No monthly fees. No setup fees. CadencePay only earns when your subscribers pay — perfectly aligned incentives.

Starter
0.5%
per payment processed
  • Up to 100 subscribers
  • Monthly billing cycles
  • Basic webhooks
  • Email support
  • Testnet sandbox
Get started free
Growth ✦
0.25%
per payment processed
  • Up to 1,000 subscribers
  • All billing cycles
  • Full webhook suite
  • Priority support
  • Revenue analytics
  • $CADENCE token rewards
Start free trial
Scale
0.1%
per payment processed
  • Unlimited subscribers
  • Custom billing cycles
  • Dedicated Keeper Bot
  • SLA guarantee
  • White-label option
  • Priority $CADENCE allocation
Talk to us

Compare: Stripe charges 2.9% + $0.30 per transaction. CadencePay charges 0.1–0.5% with zero fixed fees and 4-second settlement. Questions? [email protected]

Pay with XRP

Ready to get started?
Pay your setup fee in XRP.

One-time fee. Covers your full integration — we configure your merchant account, test it live on XRPL, and get your first subscriber button live. XRP only. No credit cards, no banks. That's the point.

Starter Setup
199
XRP · one time
✓Full merchant account setup
✓Embed code delivered same day
✓Testnet payment verified live
✓Up to 1 subscription plan
✦ MOST POPULAR
Growth Setup
299
XRP · one time
✓Everything in Starter
✓Up to 3 subscription plans
✓USD-pegged pricing setup
✓Dashboard + analytics access
✓30-day priority support
Scale Setup
499
XRP · one time
✓Everything in Growth
✓Dedicated Keeper Bot instance
✓Unlimited subscription plans
✓White-label option available
⚡Pays via XRPL wallet
🔐Settles in 4 seconds
✓TX hash verifiable on xrpl.org
💬Questions? [email protected]
Protocol Token

Introducing
$CADENCE

The native governance and utility token of the CadencePay protocol — issued directly on the XRP Ledger.

🗳
Governance
Vote on fee rates, new features, and protocol upgrades. $CADENCE holders shape the protocol.
💸
Fee Discounts
Hold $CADENCE to unlock lower protocol fees — down to 0.1% for large holders.
📈
Revenue Sharing
Stake $CADENCE to earn a share of protocol fee revenue distributed weekly.
🎁
Merchant Rewards
Early merchants earn $CADENCE for volume processed — rewarding adoption.
$CAD CADENCE
Network
XRPL
Standard
IOU
Supply
100M
Status
Coming
Join the waitlist
info@cadencepay.io

Ready to find your
cadence?

Join the first merchants accepting recurring XRP payments on-chain. Free setup, 5-minute integration, no credit card needed.

Get started free → Talk to us
Questions? Email us at [email protected]
© 2026 CadencePay · cadencepay.io
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