Head-to-head
x402 vs MPP
Both answer HTTP 402. x402 is governed by the x402 Foundation under the Linux Foundation (40 members at the 14 Jul 2026 launch) and settles mostly in stablecoins, with Lightning added 23 Sep 2026. On Adyen the matrix reads x402 announced and MPP no statement found, and the two split on 1 more column.
The sourced difference
Both answer HTTP 402. x402 is governed by the x402 Foundation under the Linux Foundation (40 members at the 14 Jul 2026 launch) and settles mostly in stablecoins, with Lightning added 23 Sep 2026. MPP is authored by Tempo and Stripe, adds session and subscription intents, and accepts cards through Stripe tokens as well as stablecoins. mpp.dev, read 4 Nov 2026.
Verdicts by reader type
- Head of ecommerce engineering
- Pick by rail: x402 for onchain buyers, MPP if you want card tokens and metered sessions.
- Payments lead
- MPP card payments keep card dispute rights; x402 stablecoin settlement is final.
Side by side
| Measure | x402 | MPP |
|---|---|---|
| Kind | Protocol | Protocol |
| Operator | x402 Foundation (Linux Foundation) | Tempo and Stripe |
| Homepage | x402.org | mpp.dev |
| Matrix cells with a stated status | 3 live, 0 pilot, 1 announced | 2 live, 0 pilot, 0 announced |
| Published pricing | No pricing statement on file | No pricing statement on file |
| A limit worth knowing | Does not offer chargebacks on stablecoin payments. | Is not a retail cart protocol. |
| Merchant of record | Seller | Seller |
| Dispute rules | None | Rail-dependent |
| Live surfaces | API and agent tools | API and agent tools |
| Cost | Network fees only | Rail fees |
Column by column: where the statuses differ
2 of 27 columns read differently for x402 and MPP on 4 Nov 2026.
Read the profiles
Sources
- Machine Payments Protocol, read 4 Nov 2026
- x402.org, read 4 Nov 2026
- Linux Foundation launches the x402 Foundation, read 4 Nov 2026
Last reviewed