---
title: "How to accept x402 for an API | Agent Ready Checkout"
description: "How to accept x402 for an API: Add x402 middleware that returns HTTP 402 with your price and accepted networks, verify and settle through a facilitator."
canonical: https://agentreadycheckout.com/guides/accept-x402-for-an-api
site: "Agent Ready Checkout"
last_updated: 2026-11-04
date: 2026-11-04
section: "Guides"
---

# How to accept x402 for an API | Agent Ready Checkout

> How to accept x402 for an API: Add x402 middleware that returns HTTP 402 with your price and accepted networks, verify and settle through a facilitator.

Source: https://agentreadycheckout.com/guides/accept-x402-for-an-api
Site: Agent Ready Checkout
Last reviewed: 2026-11-04

Guide

# How to accept x402 for an API

In short

Add x402 middleware that returns HTTP 402 with your price and accepted networks, verify and settle through a facilitator, and return the resource on retry. Payments settle in stablecoins with no chargebacks; Coinbase charges $0.001 per onchain transaction after 1,000 a month; Stripe charges 1.5 percent.

## What the sources say

-   A server responds with HTTP 402 to a request without payment, prompting the client to pay and retry; x402 charges zero protocol fees. [x402.org](https://www.x402.org/), read 4 Nov 2026.
-   The CDP facilitator verifies and settles payments and screens addresses against OFAC and KYT lists. [docs.cdp.coinbase.com](https://docs.cdp.coinbase.com/x402/core-concepts/facilitator), read 4 Nov 2026.
-   Coinbase facilitator: first 1,000 onchain transactions a month free, then $0.001 each. [docs.cdp.coinbase.com](https://docs.cdp.coinbase.com/x402/core-concepts/facilitator), read 4 Nov 2026.
-   Stripe accepts x402 as USDC on Base, excluding New York businesses, at 1.5 percent for stablecoin payments. [docs.stripe.com](https://docs.stripe.com/payments/machine.md), read 4 Nov 2026.
-   The spec defines exact, upto, auth-capture and batch-settlement schemes; Lightning exact was added 23 Sep 2026. [github.com](https://github.com/x402-foundation/x402/blob/main/specs/schemes/exact/scheme_exact_lnbtc.md), read 4 Nov 2026.

## Profiles named in this guide

-   [x402](https://agentreadycheckout.com/protocols/x402)
-   [Stripe](https://agentreadycheckout.com/processors/stripe)
-   [Coinbase Developer Platform (x402)](https://agentreadycheckout.com/processors/coinbase)

## Read next

-   [What TAP and Agent Pay change at the WAF](https://agentreadycheckout.com/guides/tap-and-agent-pay-at-the-waf)
-   [How to tell agent-initiated orders in your data](https://agentreadycheckout.com/guides/tell-agent-initiated-orders)
-   [The protocol support matrix](https://agentreadycheckout.com/matrix)

## Sources

1.  [x402.org](https://www.x402.org/), read 4 Nov 2026
2.  [docs.cdp.coinbase.com/x402/core-concepts/facilitator](https://docs.cdp.coinbase.com/x402/core-concepts/facilitator), read 4 Nov 2026
3.  [docs.stripe.com/payments/machine.md](https://docs.stripe.com/payments/machine.md), read 4 Nov 2026
4.  [x402 exact scheme on Lightning (lnbtc)](https://github.com/x402-foundation/x402/blob/main/specs/schemes/exact/scheme_exact_lnbtc.md), read 4 Nov 2026

Last reviewed 4 Nov 2026

## Edition

Matrix edition of 4 Nov 2026.

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

## In Ora's pay-per-call index

Ora's paid-capability index, read 5 Nov 2026, lists 9,977 pay-per-call endpoints on 1,586 hosts; the median price is $0.01 a call.

-   [Endpoints agents can buy today](https://agentreadycheckout.com/pay-per-call)
-   [Networks they settle on](https://agentreadycheckout.com/pay-per-call/networks)
-   [x402 or MPP for a seller](https://agentreadycheckout.com/pay-per-call/x402-or-mpp)

## Method

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