Is Ripple a better fit for payment solutions?
Nope. Ripple is a company that printed XRP and sold/gave it away. That similar to other payment companies in past. XRP is not a cryptocurrency.
What are you talking about? XRP is the cryptocurrency native to the XRP Ledger, go on coinmarketcap to understand the difference between Ripple, XRP, and RippleNet, XRP runs on on digital payment platform called RippleNet which is on top of a distributed ledger database called XRP Ledger.