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Ripple Payments Direct 2.0

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Ripple Payments Direct allows you to connect to Ripple as a payments provider. By using Ripple Payments Direct, you have a direct financial arrangement with Ripple for cross-border fiat payment services. Ripple uses XRP as the bridge currency to move value with near-instant payment settlement. Ripple takes care of delivering payments to beneficiaries, managing payout partners, providing funds to payout partners, and paying charges in exchange for payment delivery to the beneficiaries. .

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Note:

Ripple Payments Direct offers the Ripple Payments UI for creating payments.
For detailed information, see Ripple Payments.

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Data flow

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Ripple Payments Direct's data flow is simple:

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\"{{process.env.VAR_RPD}}\n

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  1. \nYou - the payment originator - provide Ripple with payment instructions through \nRipple Payments UI\n.\n
    2. \n
  2. \nRipple ensures that your selected beneficiary receives the funds.\n\n
    3. \n
  3. \nRipple Payments UI\n shows you key \n\n events as your payment moves through the different stages of its lifecycle. \n\n
    4. \n
  4. \nOnce the payment is complete, Ripple adds the payment transaction to your invoice (if invoicing is your chosen funding method).\n
    5. \n
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For more information on payment instructions and Ripple Payments events, see Send an individual payment.

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Features

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Ripple Payments Direct provides the following features:

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Use cases

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Ripple Payments Direct's supports treasury payments, business-to-business (B2B) payments, business-to-consumer (B2C) payments, and payments you make to a business or an individual on behalf of your customer. As part of these use cases, you can transfer funds to a foreign bank account, for example for:

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Example use case

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The following example describes a payment transaction with Ripple Payments Direct.

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Turbo Sophisticated, a company headquartered in the US, wants to do their worldwide payroll from their bank account in the US. The payroll includes employees in Germany and the Philippines.

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  1. \nUsing the \nRipple Payments UI\n, Turbo Sophisticated's payroll administrator initiates a payment with \nUSD\n as the payment currency and \nGermany\n as the destination country, which automatically selects \nEUR\n as the payout currency.\n
    2. \n
  2. \nRipple provides Turbo Sophisticated with a quote and once they accept the quote, Ripple moves those funds to the company's bank accounts in Germany on the company's behalf.\n
    3. \n
  3. \nOnce the transaction is complete, Turbo Sophisticated can then pay out their employees in \nEUR\n.\n
    4. \n
  4. \nTurbo Sophisticated's payroll administrator then initiates another payment, following the same steps as described previously, except that the destination country is now \nPhilippines\n and the payout currency \nPHP\n.\n
    5. \n
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Prerequisites

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To use Ripple Payments Direct, you need to complete the following prerequisites:

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Tip

If you're interested in getting started with Ripple Payments Direct, use the Contact the Sales Team form.

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Payment flow

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The following diagram represents a typical Ripple Payments Direct B2B use case:

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\"{{process.env.VAR_RPD}}

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    \n
  1. \nYou, the sending customer, enter payment information in the \nRipple Payments UI\n.\n
    2. \n
  2. \nRipple validates the transaction. If both the risk and compliance checks are successful, Ripple approves the transaction.\n
    3. \n
  3. \nThe payout partner now validates the transaction. If their compliance checks are successful, they approve the transaction.\n
    4. \n
  4. \nXRP is moved and converted to the destination currency for distribution by the payout partner.\n
    5. \n
  5. \nThe payout partner completes the payment by sending the funds to the beneficiary.\n
    6. \n
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