Frequently Asked Questions

InvoiceDLT is a hybrid TradFi and DeFi invoicing platform. It integrates Stripe for traditional ACH, credit, and debit payments. Additionally, it offers an instant settlement corridor via the XRP Ledger (XRPL) for payments in RLUSD, USDC, and XRP. Businesses choose their payment method—traditional or blockchain.

Instead of waiting 3-5 business days for payment to clear, clients send XRPL payments directly to you. Every transaction is cryptographically verified on the blockchain, eliminating payment disputes and ensuring finality in seconds.

It's built for freelancers, contractors, and B2B businesses that want payment certainty — not payment promises.

InvoiceDLT supports two payment corridors. Your client chooses which to use:

💳 Traditional Payment (Stripe)

1. You create an invoice and send a payment link
2. Your client clicks the link and selects "Pay with Stripe"
3. They pay via ACH, credit card, or debit card (whatever they prefer)
4. Stripe processes the payment and deposits to your account
5. Settlement typically takes 1-2 business days
6. You receive a traditional receipt and compliance record

Best for: Clients who prefer traditional payment methods or don't have crypto wallets.

⚡ Instant On-Chain Settlement (XRPL)

1. You create an invoice and send a payment link
2. Your client clicks the link and selects "Pay with XRPL"
3. They choose their token: RLUSD, USDC, or XRP
4. They pay via Xaman (no account needed — they scan a QR code or click a link)
5. You receive payment instantly (3–5 seconds) on XRPL
6. The transaction hash is permanently recorded on the ledger

Best for: Clients with crypto wallets who want instant settlement and on-chain verification.

The bottom line: You offer both options. Your clients choose. Traditional stability OR blockchain speed.

InvoiceDLT is built exclusively on the XRP Ledger (XRPL) — a fast, energy-efficient blockchain designed for payments.

On XRPL, we support all major stablecoins issued on the ledger:

• RLUSD — Ripple's stablecoin (fastest settlement)
• USDC — Circle's stablecoin
• XRP — The native asset

This single-chain approach keeps things simple and avoids the complexity and gas fees of multi-chain systems.

Yes. Security is built into every layer:

• Blockchain verification: Every payment is cryptographically signed on XRPL and immutable
• No custody risk: InvoiceDLT never holds your funds — payments go directly to your wallet
• Encryption: All sensitive data is encrypted at rest
• Audited contracts: Smart contracts are audited for safety
• No intermediary: No third-party processor to hack — you control your payments

Your private keys never leave your device. Payments are settled directly between you and your client on the ledger.

InvoiceDLT is non-custodial. We do not manage, hold, or control your cryptographic keys or your assets.

Here's what that means:

• You own your wallet: You create and maintain your XRPL wallet. Only you have your private keys.
• You control your payments: When a client sends a payment, it goes directly to your wallet — not ours.
• We don't touch your funds: InvoiceDLT is a facilitation tool, not a bank. We never take custody of your money.
• No third-party risk: You're not exposed to InvoiceDLT going bankrupt, getting hacked, or facing regulatory seizure.
• Full transparency: Every transaction is on the XRPL blockchain. You can verify every payment independently.

How it works: You create an invoice, send it to your client, and they pay directly to your wallet. InvoiceDLT is just the bridge connecting the two of you. The settlement happens on the XRPL ledger — we're not in the middle.

This is why blockchain invoicing is more secure than traditional payment processors. Your keys, your wallet, your control.

Free Tier: $0/month — Send up to 5 invoices per month. Perfect for testing the platform.

• Up to 5 invoices/month
• Stripe integration (ACH, credit cards, debit cards)
• XRPL payment links (RLUSD, USDC, XRP)
• On-chain verification (for XRPL payments)
• Basic dashboard

Pro Tier: $29/month or $299/year — Unlimited invoices with API access.

• Unlimited invoices
• API access + API keys
• Multi-currency support (RLUSD, USDC, XRP)
• Full payment history export
• Priority support

Business Tier: $49/month or $499/year — Everything in Pro, plus team management and webhooks.

• Everything in Pro
• Team member management
• Webhook support for integrations
• Custom invoice templates
• Dedicated support

You can upgrade or downgrade your subscription anytime from your account settings. Changes take effect immediately — no waiting, no penalties.

Billing periods: Both Monthly and Yearly plans are flexible. You can switch between monthly and yearly billing at any time.

Prorated credits: If you upgrade mid-month, you'll be prorated for the additional time. If you downgrade, unused credits roll forward.

Yes. We offer a 14-day refund policy for new accounts.

If you're not happy with InvoiceDLT within 14 days of signing up, contact support and we'll refund your subscription fee — no questions asked.

What's not refundable: Payment settlement fees are non-refundable (these are XRPL network fees, not ours).

Yes, but we make it easy. You'll need an XRPL wallet to receive payments.

Best wallets for InvoiceDLT:

• Xaman: Simple, beginner-friendly, recommended for first-time users
• Ledger Nano: Hardware wallet for maximum security
• GemWallet: Browser-based, fast setup

When you sign up, we'll guide you through wallet setup. If you don't have a wallet yet, it takes 2 minutes to create one.

Your clients don't need a wallet: They pay via Xaman payment links — no account creation required on their end.

You can invoice in any major currency: USD, EUR, GBP, CAD, AUD, and more.

How it works:

1. You create an invoice for $1,000 USD
2. Your client receives a payment link
3. The link converts the USD amount to XRPL tokens (RLUSD, USDC, or XRP) at the current market rate
4. Your client pays in their preferred token
5. You receive payment instantly on XRPL

The conversion happens at real-time market rates — no hidden markups.

Pro and Business tiers: Yes, via our REST API and webhooks.

API features:

• Create invoices programmatically
• Check payment status in real-time
• Export invoice data (JSON, CSV)
• Generate payment reports

Webhook support (Business tier only): Receive real-time notifications when invoices are paid.

See our API documentation for integration examples and code samples.