Ripple doesn't really offer anything anymore. When SuperNet comes online NODE will be the payment processor and it's a generation ahead of Ripple (NODE is integrating BTC, USD, EUR, CNY and maybe HRV).
In Ripple I can send EUR and have USD come out on the other end without me doing anything other than hitting a button. That's the realy beauty of Ripple. It let's you pay in any currency and finds a path to autmatically exchange it into whatever the receiver is accepting.
Afaik NODE will "only" have multiple currencies in one wallet which you can deposit via an exchange. Could be wrong though.