Non-custodial crypto payments

Get paid in crypto.
Straight to your wallet.

No middleman holding your money. No frozen payouts. No limits on what you can take out. Take crypto payments, save together in XRP Circles and tokenize real assets, all wallet to wallet. Escrow for deals is next.

Start free See what we do

Non-custodial by design XRP and RLUSD live, BTC, ETH, USDC soonXRP, RLUSD and HBAR live Live in 5 minutes Global edge network, sub-second checkouts Pay with Xaman, one tapPay with Xaman or HashPack, one tap New: agents can pay you

Atlas Pro Consulting · PaymentsExample data

Today

$1,240.00

This month

$18,905.50

Awaiting payout

$0.00

XRP
Consulting retainer
100.806452 XRP · tag 482913
$250.00
Detected
RLUSD
Workshop deposit
600.00 RLUSD · XRP Ledger
$600.00
Confirmed
XRP Circle payout
Round 3 of 10 · 9 members paid in
$900.00
Confirmed
AI agent: permit lookup
0.02 XRP · AgentPay
$0.05
Confirmed

What we do

Four ways to move money. We never hold any of it.

Money goes straight from one wallet to another, or locks on the blockchain itself under rules everyone signs. Pick what you need.

Live

Get paid in crypto

Checkout for your business. Your customer pays your wallet directly.

Pay buttons, links, invoices and QR
Point of sale and WooCommerce
XRP and RLUSD, more coins soon
XRP, RLUSD and HBAR

See payments

Live

XRP Circles

A sou-sou on the XRP Ledger. Your group saves together and everyone gets a turn at the pot.

Set in dollars, paid in XRP
Each round pays the next member in line
The organizer sets the rules

See how circles work

Coming soon

Escrow

Lock a payment on the blockchain until the deal is done.

Buyer and seller release it together
Refund to the buyer after the deadline
No middleman holding the money

See how escrow works

Live on XRPL

Tokenize your assets

Turn a signed agreement into a token, and choose the blockchain it lives on.

10 ready-made rights agreements
XRP Ledger now, Testnet first; Hedera coming soon
Anyone can verify the paperwork

See tokenization

Hosted checkout

This is what your customer sees.

Pick an asset, see the exact amount, scan or copy, done. Try it below. Nothing here touches a real network.

The exact amount, locked for 30 minutes

We quote the crypto amount from a live price feed at checkout time and hold it while the customer pays. The customer sends exactly that figure. No rounding, no surprises.

Straight to your wallet address

The address on the page is yours. XRP and RLUSD payments carry a destination tag so each one matches its checkout. Funds never pass through TapCoin Pay.

The address on the page is yours. XRP and RLUSD payments carry a destination tag, and HBAR payments carry a memo, so each one matches its checkout. Funds never pass through TapCoin Pay.

HBAR: scan or tap with HashPack

On a computer the checkout shows a Scan with HashPack QR. On a phone it shows a Pay with HashPack button. Amount, your Hedera account and the memo are already filled in. The customer approves once in HashPack and the HBAR lands in your own Hedera account. TapCoin Pay never holds it and never asks for keys.

Confirmed by the chain, not by us

TapCoin Pay watches the ledger, verifies the transaction against the checkout, and then updates your dashboard, emails the receipt and fires your webhook.

Demo rates: XRP $2.48, RLUSD $1.00. The QR is a placeholder pattern and does not encode a payment.

Proof, every hour

We pay ourselves through it, on the real ledger, around the clock.

Every hour a monitor pays a real few-cent checkout through the exact pipeline your customers use, waits for the ledger to confirm it, and publishes the result. One on the XRP Ledger, one on Hedera. Not a demo, not a testnet. Click the hash and read it on the chain.

Open the status page

TapCoin Assets · new

Put real-world rights on the ledger. Sell them with the same checkout.

Music, memberships, revenue shares, event access, real estate. Upload the agreement, we hash it, the token carries the hash on the XRP Ledger. Buyers pay through TapCoin Pay, tokens are delivered from your own wallet, and anyone can verify the paperwork against the chain. The token represents the rights in the agreement, and only those.

How TapCoin Assets works Verify a document

Upload the rights agreement

PDF, image, any document. We store it privately, record its SHA-256 and version every replacement. Start from one of ten editable templates: access pass, music license, revenue share, membership and more.

Issue the token from your wallet

A Multi-Purpose Token on the XRP Ledger with the agreement hash in its metadata. You sign in Xaman or any XRPL wallet. TapCoin Pay never holds a key.

Sell, deliver, verify

Buyers pay in XRP or RLUSD through your normal checkout. You deliver units with one tap. Holders and anyone else can check the document against the ledger at tapcoinpay.com/verify.

A TapCoin asset token is a record of the rights described in its agreement. It is not a share, a security or a claim on TapCoin Pay. Issuers are responsible for the legality of what they sell in their jurisdiction. Business plan and up.

New · Live now

Let AI agents pay you. Or give yours a budget.

AI agents are starting to buy things on their own. With AgentPay they pay you in XRP, straight to your wallet, a few cents a use. Two plain wizards, about a minute each, no code to start. Same rule as everything else here: we never hold a coin or a key.

Sell to AI agents

Name what you sell, set a price in dollars, pick your wallet. You get a paid link, a one-tap test, and a listing agents can find on their own.

Set up your own agent

Give it its own small wallet and limits in dollars: per payment, per day, per month. It asks before every payment, so the limits hold.

✓

Paid in about four seconds

Settled on the XRP Ledger mainnet, delivered exactly once, with a receipt for every call.

an agent buying an API call

$ curl -i tapcoinpay.com/api/v1/agentpay/gate/ares_demo

HTTP/2 402
x402-version: 2

{
  "error": "payment_required",
  "accepts": [{
    "amount":  "1000",
    "asset":   "XRP",
    "payTo":   "rQUw5aq..."
  }]
}

# the agent pays, then asks again
$ curl -H "PAYMENT-SIGNATURE: <proof>" ...

HTTP/2 200 OK  ← paid, verified, delivered

This already happened, with real money. On 23 September 2026 an autonomous agent paid a TapCoin Pay endpoint on the public XRPL mainnet and got its data. 1,000 drops delivered, validated, tesSUCCESS. The ledger is public, so check it. See the transaction

See the AgentPay wizards Start free Selling to agents is a Business feature. The agent pays the $0.01 service fee, not you. Running on XRP Ledger mainnet.

How it works

Three steps. No custody, ever.

TapCoin Pay sits beside the transaction, never inside it. Your wallets, your keys, your money.

Add your wallet addresses

Paste a receiving address for each coin you accept. Addresses only, never keys.

Create a link, button or invoice

Set a price in your currency and pick which assets to accept. Share the link, drop the button on your site, or email the invoice.

Customer pays, chain confirms, dashboard updates

The customer pays from any wallet. TapCoin Pay monitors the chain, verifies the match, and notifies you and the customer.

Ways to get paid

Every surface your customers already use.

Links, QR and hosted checkout are free on Starter. Everything else is in Pro. Every one of them lands in your own wallet.

Pay buttons

Three lines of HTML. Opens a checkout in a modal on desktop, a new tab on mobile.

<!-- paste anywhere -->
<script src="https://tapcoinpay.com/js/tapcoin.js"></script>
<button data-tapcoin-button="btn_8f2k1q">Pay with Crypto</button>

Payment links

A URL you can text, email or put in a bio. Fixed amount, or let the customer enter one.

tapcoinpay.com/p/atlaspro/deposit

Invoices

Line items, due dates, customer records, email delivery, a paid stamp when the chain confirms. Void or resend any time.

QR and in-person

Type an amount on your phone, show the QR, the customer scans. Works at a counter, a market stall or a service call.

WooCommerce and WordPress

Install the plugin, paste your API key, and Pay with Crypto appears at checkout. Classic and Blocks checkout, HPOS, signed webhooks. Orders update automatically on confirmation. All integrations

REST API and webhooks

Create checkouts from your own stack. Signed webhooks tell you when a payment is detected and confirmed.

POST /v1/checkouts
{ "amount": 25000, "currency": "USD" }

// 201
{ "id": "co_3kD9…", "status": "created",
  "checkout_url": "https://tapcoinpay.com/pay/co_3kD9…" }

Why non-custodial matters

Custody is where the risk lives. We opted out.

Most crypto processors take your customer's payment, hold it, and pay you later. That model is the source of every frozen balance, every settlement delay and every account review.

No frozen funds

We cannot freeze what we do not hold. There is no TapCoin Pay balance, no withdrawal queue and no compliance hold on money that is already in your wallet.

No settlement delays

The chain settles. You already have it. There is no T+2, no payout schedule and no minimum balance before you can move your own funds.

No skim off the payment

Our fee is never deducted from what your customer sends. The full amount lands in your wallet. The fee is billed to your card weekly, or as soon as it reaches $50, itemised.

TapCoin Pay is payment orchestration and monitoring software. It is not a bank, exchange, wallet or money transmitter. You keep your own keys and you are responsible for your own wallets, taxes and compliance.

Pricing

Free to start. A small fee on Pro and Business, billed to your card, never taken from the payment.

Starter is $0 a month with no card. Upgrade when you need invoices, WooCommerce, the API, POS, AgentPay or Assets.

Starter

$0/mo

no card, 0% on the first 20 payments a month

Free for your first 20 payments a month. Try it with real payments.

20 payments a month
Pay buttons, links and QR
Hosted checkout
1 wallet per asset

Start free

Pro Most popular

$19.99/mo

or $199.90 a year, plus 1.75% per successful payment

Everything a business needs to get paid.

Unlimited payments
Invoices
WooCommerce plugin
API and webhooks
Branded receipts
Branding kit
TapCoin POS, one location

Start Pro

Business

$59.99/mo

or $599.90 a year, plus 1.5% per successful payment

For volume, teams and selling to AI agents.

Everything in Pro
1.25% past $10k a month, 1.0% past $50k
AgentPay seller endpoints
TapCoin Assets (tokenize rights)
Agent spend policies
Multiple POS locations
Priority support
Volume pricing

Start Business

Enterprise

Talk to us

custom pricing, negotiated rates

Custom terms for high-volume and regulated businesses.

Everything in Business
Negotiated per-payment rate
Custom limits and terms
Security review

Contact sales

How the fee works. The customer pays your wallet directly. We never touch it.

When a payment confirms we write down the fee. Each week, or as soon as fees reach $50, we bill your card once, itemised. No pooled balances, no holds, no payouts to wait for, because there is nothing to pay out: you already have the money.

$100

Customer pays you

$100

Lands in your wallet

$1.75

On your card bill (Pro)

Provider	Per transaction	Custody	Notes
TapCoin Pay	0% on Starter (20 payments a month), 1.75% + $19.99/mo on Pro, 1.5% + $59.99/mo on Business	Non-custodial	Money lands in your wallet instantly. Fee billed to your card monthly, never deducted
CoinGate	1%	Custodial	Settles to you on their schedule
BitPay	2% + $0.25 (entry tier)	Custodial	Lower rates need higher volume tiers
Coinbase Business	1%	Custodial	US only
NOWPayments	1% to 1.5%	Custodial	Not available in the US
BTCPay Server	0%	Non-custodial	Self-hosted server required; you run and maintain it

Plainly: a 1% processor costs less per transaction than Pro. What you get for the difference is the money in your own wallet the moment the chain confirms, no custody risk, no payout schedule and no account freezes. Starter is free forever for small volume. Competitor pricing as published September 2026; verify on their sites. Network fees are paid by the sender on every provider, including TapCoin Pay.

Full pricing and calculator

TapCoin POS

A point of sale on the phone you already carry.

New. A web app that works on any phone, tablet or laptop. No hardware to buy, nothing to install.

Enter the amount

Open the POS, type the total and an optional ticket number, pick the asset. Same checkout engine as everything else here.

Show the QR

The customer scans and pays from their own wallet, straight to yours. The screen polls the chain and says PAID the moment it confirms.

Receipt and history

A receipt for the customer, a running history for the till. One location on Pro, as many as you need on Business. Branded hardware comes later.

Branding kit included with Pro and Business: "TapCoin Pay Accepted Here" badges for your website and checkout, plus a printable QR sign for the counter. See the kit.

Developers

One request to create a checkout. One webhook to close the loop.

A small, predictable REST API with Stripe-style objects. Idempotency keys, signed webhooks, test mode.

curl https://tapcoinpay.com/v1/checkouts \
  -H "Authorization: Bearer tcp_live_…" \
  -H "Idempotency-Key: order_1043" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 25000,
    "currency": "USD",
    "description": "Consulting retainer",
    "assets": ["XRP", "RLUSD"],
    "redirect_url": "https://atlaspro.co/thanks",
    "metadata": { "order_id": "1043" }
  }'

const res = await fetch("https://tapcoinpay.com/v1/checkouts", {
  method: "POST",
  headers: {
    Authorization: `Bearer ${process.env.TAPCOIN_KEY}`,
    "Idempotency-Key": "order_1043",
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    amount: 25000, currency: "USD",
    description: "Consulting retainer",
    assets: ["XRP", "RLUSD"],
    redirect_url: "https://atlaspro.co/thanks",
  }),
});
const { data: checkout } = await res.json();
// send the customer to checkout.checkout_url

$ch = curl_init('https://tapcoinpay.com/v1/checkouts');
curl_setopt_array($ch, [
  CURLOPT_POST => true,
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_HTTPHEADER => [
    'Authorization: Bearer ' . getenv('TAPCOIN_KEY'),
    'Idempotency-Key: order_1043',
    'Content-Type: application/json',
  ],
  CURLOPT_POSTFIELDS => json_encode([
    'amount' => 25000, 'currency' => 'USD',
    'description' => 'Consulting retainer',
    'assets' => ['XRP', 'RLUSD'],
  ]),
]);
$checkout = json_decode(curl_exec($ch), true)['data'];
header('Location: ' . $checkout['checkout_url']);

Amounts are integer minor units: 25000 is $250.00.

Verify a webhook

Every delivery carries TapCoin-Signature: t=<unix>,v1=<hex>. Sign "<t>.<rawBody>" with your endpoint secret and compare.

import { createHmac, timingSafeEqual } from "node:crypto";

function verify(rawBody, header, secret) {
  const { t, v1 } = Object.fromEntries(
    header.split(",").map(p => p.split("=")));
  const expected = createHmac("sha256", secret)
    .update(`${t}.${rawBody}`).digest("hex");
  return Math.abs(Date.now()/1000 - t) < 300
    && timingSafeEqual(Buffer.from(v1), Buffer.from(expected));
}

Events

payment.created, payment.detected, payment.confirmed
payment.underpaid, payment.expired
invoice.created, invoice.paid, invoice.expired

Read the docs

FAQ

Straight answers.

Do you hold my crypto?

No. Never, not even for a second. Customers pay directly to the wallet address you added. TapCoin Pay only reads public blockchain data to confirm that a matching payment arrived. We do not store, ask for or derive private keys.

Which coins do you support?

Live today: XRP and RLUSD on the XRP Ledger. Coming soon: HBAR on Hedera, then Bitcoin, Ether and USDC. We switch a coin on only after a real payment has gone through end to end, not before.

Live today: XRP and RLUSD on the XRP Ledger, and HBAR on Hedera. HBAR checkouts work with HashPack: scan the QR on a computer or tap Pay with HashPack on a phone. We switch a coin on only after a real payment has gone through end to end, not before.

How are fees billed on HBAR?

The same way as every other coin: we write the fee down and bill your card once a week. The option to pay our fee inside the same tap is an XRP and RLUSD feature. The Hedera version of that comes later.

What if a customer underpays?

The checkout shows the exact amount, so this is rare. When it happens, the checkout is marked underpaid, you get a webhook and a dashboard flag, and the customer sees the outstanding balance with the same address. The funds that did arrive are already in your wallet; you decide whether to accept the partial payment or ask for the rest.

Do I need to run a node?

No. TapCoin Pay does the monitoring. You paste a receiving address and we watch the ledger for you. If you would rather run everything yourself, BTCPay Server is a good self-hosted option.

Is this legal in the US?

TapCoin Pay is non-custodial software: we never take possession of funds, so we do not operate as a money transmitter. Accepting crypto for goods and services is legal in the United States. Tax treatment, record keeping and licensing vary by business and jurisdiction, so we recommend you consult counsel for your situation.

Can I use it in person?

Yes. TapCoin POS is a web app: open it on your phone, tablet or laptop, enter an amount, and show the QR code. The customer scans and pays from their wallet, and the screen says PAID when the chain confirms. No hardware required. Pro includes one location, Business as many as you need.

How do you charge a fee if you never touch the money?

The customer pays your wallet in full. When the payment confirms, we record the fee as a number in a ledger. Each week, or as soon as fees reach $50, we bill your card once, itemised per payment. Nothing is deducted, held or paid out, because the money was never ours. Starter pays no fee at all.

Are you cheaper than a 1% processor?

Per transaction, no. Pro is 1.75% plus $19.99 a month. What you get for the difference is the money in your own wallet the moment the chain confirms, no custody, no payout schedule and no account freezes. Starter is free for up to 20 payments a month, forever.

Can AI agents pay me?

Yes. AgentPay puts an HTTP 402 price on any endpoint and lets an agent pay it on the XRP Ledger, straight to your wallet. It is live on mainnet. Selling to agents is a Business feature. The agent pays the $0.01 service fee per released call, not you.

How is the crypto amount calculated?

At checkout time we fetch the current price for the selected asset in your currency from our price feed, convert your fiat price, and lock that amount for 30 minutes. The customer sends exactly that figure. If the quote expires before payment, the customer can refresh it.

What happens with XRP destination tags?

Every XRP checkout gets a unique destination tag, and the QR encodes it along with your address. That is how we match an incoming payment to a specific checkout on a single address. If a customer omits the tag we show a clear warning before they pay, and if a payment arrives without a tag we flag it in your dashboard so you can match it by hand.

Non-custodial checkout for the web.

Add a wallet address, create a payment link, and take your first crypto payment in the next five minutes. Free for 20 payments a month, no card needed.

Start free Read the docs

Get paid in crypto.Straight to your wallet.