---
title: "x402 vs MPP: sourced differences | Agent Ready Checkout"
description: "x402 vs MPP: Both answer HTTP 402. x402 is governed by the x402 Foundation under the Linux Foundation. Verdicts by reader type."
canonical: https://agentreadycheckout.com/compare/x402-vs-mpp
site: "Agent Ready Checkout"
last_updated: 2026-11-04
section: "Head-to-heads"
---

# x402 vs MPP: sourced differences | Agent Ready Checkout

> x402 vs MPP: Both answer HTTP 402. x402 is governed by the x402 Foundation under the Linux Foundation. Verdicts by reader type.

Source: https://agentreadycheckout.com/compare/x402-vs-mpp
Site: Agent Ready Checkout
Last reviewed: 2026-11-04

Head-to-head

# x402 vs MPP

In short

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](https://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.

| Column | x402 | MPP |
| --- | --- | --- |
| Adyen | announced | no statement found |
| Coinbase | live | no statement found |
|  |
| 2 differences |  |  |

## Read the profiles

-   [x402](https://agentreadycheckout.com/protocols/x402)
-   [Machine Payments Protocol (MPP)](https://agentreadycheckout.com/protocols/mpp)

## Sources

1.  [Machine Payments Protocol](https://mpp.dev/), read 4 Nov 2026
2.  [x402.org](https://www.x402.org/), read 4 Nov 2026
3.  [Linux Foundation launches the x402 Foundation](https://www.linuxfoundation.org/press/linux-foundation-is-launching-the-x402-foundation-and-welcoming-the-contribution-of-the-x402-protocol), read 4 Nov 2026

Last reviewed 4 Nov 2026

## Edition

Matrix edition of 4 Nov 2026.

Reviewed 4 Nov 2026, [3 sources](#sources-h).

## Method

[How cells, sources and read dates are defined](https://agentreadycheckout.com/method)