Payments & Commerce

XRPL's core strength is fast, low-fee payments settling in 3–5 seconds. The Payment transaction handles XRP transfers, IOU token payments, and cross-currency conversions with on-ledger path-finding — all signed through the wallet kit.

XRP Payment

await manager.signAndSubmit({
  txJson: {
    TransactionType: "Payment",
    Account: manager.activeSession?.account.address,
    Destination: "rPT1Sjq2YGrBMTttX4GZHjKu9dyfzbpAYe",
    Amount: "5000000",   // 5 XRP in drops (1 XRP = 1,000,000 drops)
  },
});

Enable an IOU Token (TrustSet)

Before a user can receive an IOU token, they must create a trust line with the issuer:

await manager.signAndSubmit({
  txJson: {
    TransactionType: "TrustSet",
    Account: manager.activeSession?.account.address,
    LimitAmount: {
      currency: "USD",
      issuer: "rhub8VRN55s94qWKDv6jmDy1pUykJzF3wq",
      value: "10000",   // maximum trust limit
    },
  },
});

IOU Token Payment

await manager.signAndSubmit({
  txJson: {
    TransactionType: "Payment",
    Account: manager.activeSession?.account.address,
    Destination: "<recipient_address>",
    Amount: {
      currency: "USD",
      issuer: "rhub8VRN55s94qWKDv6jmDy1pUykJzF3wq",
      value: "25.00",
    },
  },
});

Cross-currency Payment

Pay in XRP; the recipient receives USD. XRPL path-finding handles the conversion automatically:

await manager.signAndSubmit({
  txJson: {
    TransactionType: "Payment",
    Account: manager.activeSession?.account.address,
    Destination: "<recipient_address>",
    Amount: {
      currency: "USD",
      issuer: "<usd_issuer>",
      value: "10.00",       // exact amount recipient gets
    },
    SendMax: "20000000",    // maximum XRP to spend (in drops)
    Flags: 131072,          // tfNoRippleDirect — use DEX/AMM path
  },
});

Payment with Destination Tag

Required for exchange and custodial wallet deposits:

await manager.signAndSubmit({
  txJson: {
    TransactionType: "Payment",
    Account: manager.activeSession?.account.address,
    Destination: "<exchange_hot_wallet>",
    Amount: "10000000",
    DestinationTag: 12345678,   // identifies the recipient account at the exchange
  },
});

Adapter Compatibility

Adapter	XRP Payment	IOU Payment	Cross-currency	TrustSet
Xaman	✅	✅	✅	✅
GemWallet	✅	✅	✅	✅
Crossmark	✅	✅	✅	✅
DropFi	✅	✅	✅	✅
WalletConnect	✅	✅	✅	✅
XRPL Snap	✅	✅	✅	✅
Ledger	✅	✅	✅	✅

Tips

Always autofill Sequence and Fee before submitting. Use xrpl.js client.autofill(txJson) to populate these fields, or rely on the adapter's built-in autofill.

Missing DestinationTag can cause permanent fund loss. If a destination requires a tag (check via account_info flag RequireDestTag), omitting it will cause the payment to fail — which is safe. However, sending to a custodial address without the correct tag may result in unrecoverable funds.

Partial payments allow delivering less than the full Amount when there's insufficient liquidity in the path. Set Flags: 131072 (tfPartialPayment) and verify meta.delivered_amount in the result rather than the stated Amount field.

3-character currency codes vs. 160-bit hex. Standard currencies use 3-letter codes (USD, EUR, XRP). Non-standard tokens use a 40-character hex string — your DEX or issuer will provide the correct format.

Next Steps

• DEX & AMM — trading tokens on-ledger
• Sign In with XRPL — wallet-based authentication
• Recent Transactions — show payment history in the UI