{"slug":"x402-vs-stripe-for-agent-payments","type":"compare","title":"x402 vs Stripe for agent payments: fees, minimums and settlement (2026)","url":"https://agentropolis.io/compare/x402-vs-stripe-for-agent-payments","updated":"2026-10-03","indexable":true,"thin_reason":null,"disclosure":"Agentropolis is affiliated with Seenly; first_party rows are Seenly kits (affiliated) and are not ranked. No paid placement.","ranking":"payment-verified trust desc, verified buyers desc, remote endpoint, has listed price, lowest price","demand_90d":{"all":2,"outside":1},"facts":{"caption":"Published terms (as checked Oct 3, 2026)","cols":["","x402 (CDP facilitator)","Stripe machine payments"],"rows":[["What it is","Open protocol (x402 Foundation, Linux Foundation); many facilitators","Stripe product supporting MPP and x402"],["Fees","First 1,000 on-chain facilitator transactions per month free, then $0.001 each; verification free","Stablecoins 1.5% list rate (0.8% promotional rate shown through Jan 1, 2027); cards 2.9% + 30¢ (US domestic)"],["Minimum charge","Any amount you price; the fee is per on-chain transaction, and batch-settlement can settle thousands of payments in one","0.01 USDC for stablecoins; $0.50 for cards via Shared Payment Tokens"],["Where money lands","Your own wallet, on-chain (USDC)","Your Stripe balance, settled in fiat"],["Networks","Base, Polygon, Arbitrum, World, Solana (CDP)","x402 on Base (USDC); MPP with stablecoins or cards via Shared Payment Tokens"],["Refunds and disputes","No chargebacks; refunds are a new transfer you send","Refunds via API/Dashboard; card disputes $15 each"],["Availability","Anyone with a wallet (the CDP facilitator needs a CDP API key; other facilitators exist)","US businesses; stablecoin acceptance in all states except New York"]],"cites":[[0],[1,2],[1,3,4],[1,3],[1,3],[5,2],[3]]},"first_party":[],"sections":[{"id":"x402","title":"x402 services with the highest payment-verified trust","note":"Ranked by payment-verified trust from on-chain settlements.","rows":[{"id":"x402.loyal-spark","name":"Loyal Spark","kind":"Pay-per-call API","summary":"Paid API for onchain loyalty programs on Base: loyalty token deployment, minting to customer wallets, rewards catalog, vouchers and P2P exchange, usable by agents over REST or MCP.","price":"$0.001–$0.01 per call","min_usd":0.001,"rails":["x402"],"trust":100,"buyers":100,"settlements":16921,"uptime":100,"remote":false,"shared_payout":false,"source":"x402-list.com","focus":"dedicated"},{"id":"mpp.stableenrich","name":"StableEnrich","kind":"Pay-per-call API","summary":"Pay-per-request research APIs — people, companies, web search, scraping, places, social media, and contact enrichment.","price":"$0.002–$0.22 per call","min_usd":0.002,"rails":["mpp","x402"],"trust":96,"buyers":336,"settlements":59670,"uptime":100,"remote":false,"shared_payout":false,"source":"MPP registry","focus":"dedicated"},{"id":"x402.clash-of-coins-checkout","name":"Clash of Coins Checkout","kind":"Pay-per-call API","summary":"x402 checkout gateway for the Clash of Coins game: exposes the catalog, quotes and purchase of NFT sale lots and in-game shop items, paid in USDC on Base.","price":"$0.001 per call","min_usd":0.001,"rails":["x402"],"trust":95,"buyers":185,"settlements":2228,"uptime":99.5,"remote":false,"shared_payout":false,"source":"x402-list.com","focus":"dedicated"},{"id":"mpp.nansen","name":"Nansen","kind":"Pay-per-call API","summary":"Blockchain analytics and smart money intelligence. Token data, wallet profiling, DEX trades, PnL, and flow analysis across multiple chains.","price":"$0.01–$0.05 per call","min_usd":0.01,"rails":["mpp","x402"],"trust":94,"buyers":157,"settlements":4211,"uptime":100,"remote":false,"shared_payout":false,"source":"MPP registry","focus":"dedicated"},{"id":"x402.otto-ai","name":"Otto AI","kind":"Pay-per-call API","summary":"AI-agent data storefront on x402 V2: 80 pay-per-call endpoints — crypto and market intelligence (news, KOL sentiment, token security, holders), DeFi and prediction-market data, US ","price":"$0.001–$1.75 per call","min_usd":0.001,"rails":["x402"],"trust":93,"buyers":467,"settlements":5150,"uptime":100,"remote":false,"shared_payout":false,"source":"x402-list.com","focus":"dedicated"},{"id":"x402.glim-sh","name":"glim.sh","kind":"Pay-per-call API","summary":"Pay-per-call API returning live data from Twitter, Reddit, the web, GitHub, Amazon, YouTube and Telegram, plus a chat completions compatible inference endpoint.","price":"$0.001–$0.01 per call","min_usd":0.001,"rails":["x402"],"trust":93,"buyers":88,"settlements":6645,"uptime":100,"remote":false,"shared_payout":false,"source":"x402-list.com","focus":"dedicated"},{"id":"mpp.stablesocial","name":"StableSocial","kind":"Pay-per-call API","summary":"Pay-per-request social media data from TikTok, Instagram, Facebook, and Reddit.","price":"$0.06 per call","min_usd":0.06,"rails":["mpp","x402"],"trust":92,"buyers":87,"settlements":4420,"uptime":100,"remote":false,"shared_payout":false,"source":"MPP registry","focus":"dedicated"},{"id":"x402.twit-sh","name":"twit.sh","kind":"Pay-per-call API","summary":"Paid API for X/Twitter data: tweet search, user profiles, followers, lists and communities returned as X v2 compatible JSON, plus write endpoints such as posting and interactions. ","price":"$0.0025–$0.01 per call","min_usd":0.0025,"rails":["x402"],"trust":91,"buyers":80,"settlements":4697,"uptime":100,"remote":false,"shared_payout":false,"source":"x402-list.com","focus":"dedicated"},{"id":"x402.agentstools","name":"agentstools","kind":"Pay-per-call API","summary":"359 pay-per-call HTTP tools for AI agents on one host: web search and page extraction, cited answers, crypto and DeFi market data, on-chain analysis and contract risk, security and","price":"$0.002–$0.05 per call","min_usd":0.002,"rails":["x402"],"trust":90,"buyers":85,"settlements":1058,"uptime":99.9,"remote":false,"shared_payout":false,"source":"x402-list.com","focus":"dedicated"},{"id":"x402.agent402-tools","name":"Agent402.tools","kind":"Pay-per-call API","summary":"Catalog of pay-per-call HTTP tools for AI agents: web search, browser rendering, PDF and OCR, crypto and stock data, SEC EDGAR filings, plus an OpenAI compatible LLM gateway. Paid ","price":"$0.005–$0.02 per call","min_usd":0.005,"rails":["x402"],"trust":89,"buyers":259,"settlements":8330,"uptime":99.8,"remote":false,"shared_payout":false,"source":"x402-list.com","focus":"dedicated"}]},{"id":"mpp","title":"MPP services in the index","note":"From the tempoxyz/mpp services registry (MIT/Apache-2.0). Agentropolis does not yet measure MPP payments, so these have no trust score.","rows":[{"id":"mpp.stableenrich","name":"StableEnrich","kind":"Pay-per-call API","summary":"Pay-per-request research APIs — people, companies, web search, scraping, places, social media, and contact enrichment.","price":"$0.002–$0.22 per call","min_usd":0.002,"rails":["mpp","x402"],"trust":96,"buyers":336,"settlements":59670,"uptime":100,"remote":false,"shared_payout":false,"source":"MPP registry","focus":"dedicated"},{"id":"mpp.nansen","name":"Nansen","kind":"Pay-per-call API","summary":"Blockchain analytics and smart money intelligence. Token data, wallet profiling, DEX trades, PnL, and flow analysis across multiple chains.","price":"$0.01–$0.05 per call","min_usd":0.01,"rails":["mpp","x402"],"trust":94,"buyers":157,"settlements":4211,"uptime":100,"remote":false,"shared_payout":false,"source":"MPP registry","focus":"dedicated"},{"id":"mpp.stablesocial","name":"StableSocial","kind":"Pay-per-call API","summary":"Pay-per-request social media data from TikTok, Instagram, Facebook, and Reddit.","price":"$0.06 per call","min_usd":0.06,"rails":["mpp","x402"],"trust":92,"buyers":87,"settlements":4420,"uptime":100,"remote":false,"shared_payout":false,"source":"MPP registry","focus":"dedicated"},{"id":"mpp.exa","name":"Exa","kind":"Pay-per-call API","summary":"Neural web search and page-content retrieval for AI agents, paid per request with no API key.","price":"$0.007 per call","min_usd":0.007,"rails":["mpp","x402"],"trust":87,"buyers":166,"settlements":7608,"uptime":99.7,"remote":false,"shared_payout":false,"source":"MPP registry","focus":"dedicated"},{"id":"mpp.stabletravel","name":"StableTravel","kind":"Pay-per-call API","summary":"Flight prices and booking links, award availability, and real-time flight tracking. Powered by Google Flights, Seats.aero, and FlightAware.","price":"$0.0054–$0.05 per call","min_usd":0.0054,"rails":["mpp","x402"],"trust":83,"buyers":91,"settlements":4255,"uptime":100,"remote":false,"shared_payout":false,"source":"MPP registry","focus":"dedicated"},{"id":"mpp.stableupload","name":"StableUpload","kind":"Pay-per-call API","summary":"Pay-per-upload file hosting and static site hosting with custom domains — 6 month TTL.","price":"$2.00 per call","min_usd":2,"rails":["mpp","x402"],"trust":81,"buyers":66,"settlements":504,"uptime":100,"remote":false,"shared_payout":false,"source":"MPP registry","focus":"dedicated"},{"id":"mpp.stableemail","name":"StableEmail","kind":"Pay-per-call API","summary":"Pay-per-send email delivery, forwarding inboxes, and custom subdomains — no API keys or accounts.","price":"$0.02–$5.00 per call","min_usd":0.02,"rails":["mpp","x402"],"trust":75,"buyers":29,"settlements":2073,"uptime":99.9,"remote":false,"shared_payout":false,"source":"MPP registry","focus":"dedicated"},{"id":"mpp.dripstack","name":"DripStack","kind":"Pay-per-call API","summary":"MPP-enabled content retrieval from Substack publications.","price":"$3.50 per call","min_usd":3.5,"rails":["mpp","x402"],"trust":52,"buyers":14,"settlements":38,"uptime":96.6,"remote":false,"shared_payout":false,"source":"MPP registry","focus":"dedicated"},{"id":"mpp.twocaptcha","name":"2Captcha","kind":"Pay-per-call API","summary":"CAPTCHA solving API — reCAPTCHA, Turnstile, hCaptcha, image captchas, and more.","price":null,"min_usd":null,"rails":["mpp"],"trust":null,"buyers":null,"settlements":null,"uptime":null,"remote":false,"shared_payout":false,"source":"MPP registry","focus":"dedicated"},{"id":"mpp.agentfax","name":"agentfax","kind":"Pay-per-call API","summary":"Send a fax to any phone number, priced per page. Pay-per-fax for AI agents — no signup, no API key; documents are never stored.","price":null,"min_usd":null,"rails":["mpp"],"trust":null,"buyers":null,"settlements":null,"uptime":null,"remote":false,"shared_payout":false,"source":"MPP registry","focus":"dedicated"}]}],"citations":[{"label":"x402 Foundation / x402 protocol","url":"https://docs.cdp.coinbase.com/x402/support/faq"},{"label":"Coinbase CDP x402 facilitator: pricing and networks","url":"https://docs.cdp.coinbase.com/x402/seller/facilitator"},{"label":"Stripe pricing (cards, stablecoins, disputes)","url":"https://stripe.com/pricing"},{"label":"Stripe machine payments (MPP, x402, minimums, availability)","url":"https://docs.stripe.com/payments/machine"},{"label":"Stripe MPP docs (Shared Payment Tokens minimum)","url":"https://docs.stripe.com/payments/machine/mpp"},{"label":"Coinbase CDP x402 FAQ (no processor or chargeback fees)","url":"https://docs.cdp.coinbase.com/x402/support/faq"},{"label":"x402-list.com on-chain measured settlements (CC BY 4.0), used for payment-verified trust and verified buyers","url":"https://x402-list.com"},{"label":"Official MCP Registry (CC0 1.0)","url":"https://registry.modelcontextprotocol.io"},{"label":"Agentropolis trust method hub-trust-v0.1","url":"https://agentropolis.io/api/v1/trust/method"}]}