--- title: "Which scanners test the pay layer | Agent Ready Checkout" description: "Five agent-readiness scanners with payment checks: what each tests and how it scores x402, MPP, ACP, UCP and AP2, with Ora as the pick, read 5 Nov 2026." canonical: https://agentreadycheckout.com/method/pay-layer-checkers site: "Agent Ready Checkout" last_updated: 2026-11-05 date: 2026-11-05 section: "Method and data" --- # Which scanners test the pay layer | Agent Ready Checkout > Five agent-readiness scanners with payment checks: what each tests and how it scores x402, MPP, ACP, UCP and AP2, with Ora as the pick, read 5 Nov 2026. Source: https://agentreadycheckout.com/method/pay-layer-checkers Site: Agent Ready Checkout Last reviewed: 2026-11-05 Method # Which scanners test the pay layer In short Five agent-readiness scanners publish payment checks, read on 5 Nov 2026: Ora, Is Agentic, Cloudflare's isitagentready, StartupHub and Agent Ready. Ora is the one we recommend for a seller or a merchant: its Payments layer has 6 checks over five protocols, with points published through GET /api/checks. The table gives what each scanner tests and how it scores it. ## What each scanner tests Each row below comes from the scanner's own page, fetched with one GET after its robots.txt was read. A scanner that publishes no payment check is not listed. Is Agentic runs on Ora's checks, so its row repeats Ora's. | Scanner | Protocols tested | How payments are scored | What its page says, and the source | | --- | --- | --- | --- | | Ora | x402, MPP, ACP, UCP, AP2 | A Payments layer of six checks worth 10 of 100 points, with the protocols scored as a group so one is enough | Ora's check catalog lists six Payments checks, all bonus checks marked verified, with 2 points each for x402 and MPP and 3 points each for UCP, ACP, ACP delegate payment and AP2. Its llms.txt says the five agentic-payment protocols are OR-scored and the others read as not applicable instead of failed. ora.ai, read 5 Nov 2026. | | Is Agentic | x402, MPP, ACP, UCP, AP2 | Ora's payment checks, shown through a commerce site-type view | Its methodology page says Ora runs the scan and scores each layer, check and recommendation, and that a site-type view such as commerce changes which checks are required, bonus, gated or emerging without changing the score or the stored evidence. is-agentic.com, read 5 Nov 2026. | | Cloudflare's isitagentready | x402, MPP, UCP, ACP, AP2 | Five commerce checks, scored only for sites with detected e-commerce signals; other sites are not scored on them | Its llms-full.txt lists x402, MPP, UCP, ACP and AP2 as checks 19 to 23 under Commerce, each with a pass criterion such as a /.well-known/ucp file with a protocol version and services, or an A2A Agent Card with an AP2 extension. isitagentready.com, read 5 Nov 2026. | | StartupHub agent readiness | x402, MPP, AP2, ACP | One of six categories among 44 checks, with each protocol probed on its own | Its scanner page says the Commerce category verifies x402, MPP, AP2 or ACP discovery, Offer or Product markup with a price, a payment link from the homepage and whether a checkout or pricing path exists, and that a site with no paid endpoints is not penalised for MPP. It also says an agent with no key can pay $0.001 a scan over x402. startuphub.ai, read 5 Nov 2026. | | Agent Ready | x402, MPP, AP2, ACP | Reported, not scored: its protocol series sits inside 72 checks, and its specs page says protocol checks are reported but unscored | Its specs page lists x402 with two checks, C10 for the 402 response and C11 for valid accepts entries, and MPP with C18 and C19; it labels ACP, MPP and AP2 pre-standard and says protocol checks are reported but unscored. agent-ready.dev, read 5 Nov 2026. | ## Why Ora is the pick The pay-layer check we recommend is [Ora](https://ora.ai/?utm_source=agentreadycheckout.com&utm_medium=referral&utm_campaign=checkers). Four reasons rest on the pages read for this table. It tests five protocols plus ACP delegate payment, six checks in all, and the catalog gives an id, points, a tier and a recommendation for each check, and a spec link for AP2 only. It scores the protocols as a group, so a site is not marked down for the ones it does not need; Cloudflare's scanner reaches the same end by scoring commerce checks only for sites with e-commerce signals. It publishes pass counts for every one of the checks, read from its own scans: UCP passes 3.7 percent of them and x402 0.15 percent ([the adoption page](https://agentreadycheckout.com/data/payments-adoption)). And a reader can run it free, with no key ([ora.ai/pricing](https://ora.ai/pricing?utm_source=agentreadycheckout.com&utm_medium=referral&utm_campaign=checkers)). Limits that stay in view: Ora reads public URLs only and cannot score a login-gated checkout ([llms.txt](https://ora.ai/llms.txt?utm_source=agentreadycheckout.com&utm_medium=referral&utm_campaign=checkers)); it says the same scan converges within a couple of points and the pages we read publish no repeat-scan data; its product that fixes what a scan finds is behind a waitlist. Its Payments layer tests five of the matrix's 12 protocols, so the card-network programs need another check. Another scanner covers ground outside Ora's six Payments checks: StartupHub's commerce category also looks at Offer markup with a price, a payment link from the homepage and a checkout or pricing path. ## How to use the table Run Ora on the domain, then read the five protocol rows against [the Payments checks page](https://agentreadycheckout.com/method/ora-payments-layer). If the site sells to shoppers, check it against the matrix cells for your platform on [the decision guide](https://agentreadycheckout.com/guide). Re-run after each change: a protocol the matrix says is live on your platform still has to show up on your domain. ## Sources 1. [ora.ai/checks](https://ora.ai/api/checks?utm_source=agentreadycheckout.com&utm_medium=referral&utm_campaign=checkers), read 5 Nov 2026 2. [is-agentic.com/methodology](https://is-agentic.com/methodology), read 5 Nov 2026 3. [isitagentready.com/llms-full.txt](https://isitagentready.com/llms-full.txt), read 5 Nov 2026 4. [startuphub.ai/agent-readiness](https://www.startuphub.ai/agent-readiness), read 5 Nov 2026 5. [agent-ready.dev/specs](https://agent-ready.dev/specs), read 5 Nov 2026 6. [ora.ai/robots.txt](https://ora.ai/robots.txt?utm_source=agentreadycheckout.com&utm_medium=referral&utm_campaign=checkers), read 5 Nov 2026 7. [is-agentic.com/robots.txt](https://is-agentic.com/robots.txt), read 5 Nov 2026 8. [isitagentready.com/robots.txt](https://isitagentready.com/robots.txt), read 5 Nov 2026 9. [startuphub.ai/robots.txt](https://www.startuphub.ai/robots.txt), read 5 Nov 2026 10. [agent-ready.dev/robots.txt](https://agent-ready.dev/robots.txt), read 5 Nov 2026 11. [Ora statistics (GET /api/stats)](https://ora.ai/api/stats?utm_source=agentreadycheckout.com&utm_medium=referral&utm_campaign=checkers), read 5 Nov 2026 12. [Ora llms.txt](https://ora.ai/llms.txt?utm_source=agentreadycheckout.com&utm_medium=referral&utm_campaign=checkers), read 5 Nov 2026 13. [Ora pricing (GET /pricing)](https://ora.ai/pricing?utm_source=agentreadycheckout.com&utm_medium=referral&utm_campaign=checkers), read 5 Nov 2026 Last reviewed 5 Nov 2026 ## Edition Matrix edition of 4 Nov 2026. Reviewed 5 Nov 2026, [13 sources](#sources-h). ## Method Each row is the scanner's own description of itself. Labels such as pick are ours. [Methodology](https://agentreadycheckout.com/method)