Join early accessPlain-language definitions and evidence-based guides to the protocols, wallets, and controls behind AI agents that can pay — x402, AP2, ACP, Visa TAP, Mastercard Agent Pay, MCP payments, and more.
Definitions of the core terms in agentic payments.
Glossary
Agentic payments let AI agents initiate and execute transactions on a human's behalf. Definitions, protocols (x402, AP2, ACP), and open questions.
Glossary
x402 is Coinbase's open protocol that uses the HTTP 402 status code to let servers charge AI agents and apps in stablecoins. Origins, mechanics, governance.
Glossary
AP2 is Google's open protocol for AI agents to make purchases using signed 'mandates.' Origins, mechanism, governance, and how it differs from x402/ACP.
Glossary
ACP is OpenAI and Stripe's open standard letting AI agents complete purchases inside a chat interface. Origins, checkout flow, license, and comparisons.
Glossary
An AI agent wallet is a crypto or payment wallet built for autonomous AI agents rather than humans, with spend limits and delegated signing. Examples inside.
Glossary
AI agent spending controls are the rules — caps, allowlists, approval thresholds, velocity limits — that bound what an autonomous agent can pay for. How AP2, card networks, and wallets each implement them.
Glossary
Know Your Agent (KYA) verifies which human or organization an AI agent represents before letting it transact. How Skyfire's KYA works and how it relates to KYC.
Glossary
Mastercard Agent Pay lets AI agents transact using Agentic Tokens — permissioned, tokenized payment credentials. Announcement, mechanism, and named partners.
Glossary
Visa Trusted Agent Protocol lets merchants cryptographically verify legitimate AI shopping agents instead of treating them as bots. Mechanism, partners, and specs.
Glossary
MCP payments let an AI agent call payment tools (create an invoice, charge a card, issue a refund) through the Model Context Protocol. Official servers, risks, and safeguards.
Longer, comparative pieces for developers and technical decision-makers.
Guide
16 payment companies checked for an official MCP server that moves money, plus what auth and spending controls each one actually documents.
Guide
Stripe MCP stops accepting full-access secret keys and non-Agent restricted keys on Oct 31, 2026. Here's who's affected, how to migrate, and how to scope agent spend.
Guide
x402, AP2 and ACP solve different layers of AI agent payments: pay-per-request stablecoin settlement, proof of user authorization, and in-chat checkout. Side-by-side comparison, adoption data for 13 providers, and when to use which.
Guide
A layer-by-layer market map of agentic AI payments in 2026 — protocols, card-network programs, agent wallets, payment MCP servers, and spend-control/policy tools — with 33 companies, primary sources, and status for each.
Guide
A copy-paste policy template and 9 controls (budgets, allowlists, approval thresholds, credential scoping) for letting AI agents spend under finance oversight.
Guide
There is no single best payment API for AI agents — the right pick depends on what the agent needs to do. A use-case-by-use-case guide to card checkout, stablecoin micropayments, agent wallets, MCP-based account access, and identity, sourced to each provider's own documentation.
Guide
Five documented ways to let an AI agent pay for per-call or metered API usage without handing it an open-ended credential: x402 pay-per-request, provider spend limits, single-use virtual cards, an MCP policy layer, and human approval — compared, with a setup checklist.
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