Alternatives
Alternatives to Stripe for agent checkout
In short
9 other processors sit beside Stripe in the matrix, each with a sourced difference. Among them Checkout.com reads furthest along with 7 live or pilot cells. Stripe co-authored ACP and MPP, sells to agents through Agentic Commerce Suite with Shared Payment Tokens, and takes x402 and MPP machine payments.
The alternatives
| Alternative | One sourced difference | Matrix, protocol by protocol | Stated cells |
|---|---|---|---|
| Adyen Agentic | Stripe documents ACP, UCP, MPP, x402 and Link Agent Wallet with public pricing ($0.15 per Shared Payment Token). Adyen Agentic (16 Jun 2026) documents ACP delegated payments and a UCP tokenization handler but was in limited availability for US enterprise merchants at launch and publishes no agentic price. Head-to-head, adyen.com, read 4 Nov 2026. | Adyen reads further along than Stripe for AP2. Stripe is further along for ACP, UCP, x402, MPP, Link for agents. | 0 live, 2 pilot, 7 announced |
| PayPal agentic commerce services | PayPal Agent Ready documents ACP (ChatGPT) and UCP (Google) paths through Braintree or Orders v2, updated 13 Oct 2026, but needs a request form. Stripe documents ACP, UCP, MPP, x402 and Shared Payment Tokens self-serve with prices published. Head-to-head, developer.paypal.com, read 4 Nov 2026. | PayPal reads further along than Stripe for AP2. Stripe is further along for Visa TAP, Visa IC, Agent Pay for Machines, Amex ACE, x402, MPP, Link for agents. | 2 live, 0 pilot, 2 announced |
| Checkout.com agentic commerce | Checkout.com's single-integration agentic layer covering ACP, UCP, Visa Trusted Agent Protocol, AP2 and Mastercard Verifiable Intent, offered via a waitlist on its agentic commerce page. checkout.com, read 4 Nov 2026. | Checkout.com reads further along than Stripe for AP2, Visa TAP, Visa IC, Mastercard Agent Pay, Verifiable Intent. Stripe is further along for ACP, UCP, Amex ACE, x402, MPP, Link for agents. | 0 live, 7 pilot, 1 announced |
| Braintree (PayPal Enterprise Payments) | PayPal's enterprise processor, rebranded PayPal Enterprise Payments; it carries PayPal Agent Ready's ACP path (delegated tokens) and one UCP path (Google Pay handler). braintreepayments.com, read 4 Nov 2026. | Braintree is not further along than Stripe on any protocol. Stripe is further along for Visa TAP, Visa IC, Agent Pay for Machines, Amex ACE, x402, MPP, Link for agents. | 2 live, 0 pilot, 1 announced |
| Coinbase Developer Platform (x402) | Coinbase runs the CDP facilitator that verifies and settles x402 payments on Base and Solana with OFAC and KYT screening, claiming over 100 million payments. Stripe accepts x402 (USDC on Base) and MPP inside normal Stripe balances at 1.5 percent, excluding New York businesses. Head-to-head, docs.cdp.coinbase.com, read 4 Nov 2026. | Coinbase reads further along than Stripe for AP2, Agent Pay for Machines. Stripe is further along for ACP, UCP, Visa IC, Mastercard Agent Pay, Amex ACE, MPP, Link for agents. | 1 live, 1 pilot, 2 announced |
| Crossmint | Agent-side payment platform: Agent Cards (vaulted cards with Visa Intelligent Commerce and Mastercard Agent Pay credentials), Agent Wallets for x402 and MPP, and Agent Checkouts on any website. crossmint.com, read 4 Nov 2026. | Crossmint reads further along than Stripe for AP2, Visa IC, Mastercard Agent Pay. Stripe is further along for ACP, Visa TAP, Link for agents. | 5 live, 0 pilot, 3 announced |
| Skyfire | Agent identity and payments network: KYA and KYAPay tokens bind platform, agent and human principal identity to payment, with a wallet for cards and stablecoins. docs.skyfire.xyz, read 4 Nov 2026. | Skyfire is not further along than Stripe on any protocol. Stripe is further along for ACP, UCP, Visa TAP, Amex ACE, x402, MPP, Link for agents. | 0 live, 0 pilot, 3 announced |
| PayOS | Payments data platform with PayOS Agent Tokens and PayOS Wallet: passkey-approved, scoped network tokens agents use in place of the card. PYMNTS reported on 29 Sep 2025 that PayOS completed a live Mastercard Agentic Token payment. payos.ai, read 4 Nov 2026. | PayOS is not further along than Stripe on any protocol. Stripe is further along for ACP, UCP, Visa TAP, Visa IC, Amex ACE, x402, MPP, Link for agents. | 0 live, 0 pilot, 2 announced |
| Worldpay (Global Payments) | Worldpay, now part of Global Payments, positions fraud tools, credential management, agent verification and a Worldpay MCP server for agent-led purchases, and says it works across ACP and UCP. worldpay.com, read 4 Nov 2026. | Worldpay reads further along than Stripe for AP2. Stripe is further along for ACP, UCP, Visa IC, Mastercard Agent Pay, Amex ACE, x402, MPP, Link for agents. | 0 live, 0 pilot, 5 announced |
Back to the Stripe profile or the processors and enablers index.
Sources
- adyen.com/press-and-media/adyen-agentic, read 4 Nov 2026
- developer.paypal.com/agentic-commerce-services/about, read 4 Nov 2026
- checkout.com/newsroom/checkout-adopts-acp-backed-by-openai-to-power-agentic-commerce-for-enterprise-merchants, read 4 Nov 2026
- braintreepayments.com, read 4 Nov 2026
- x402 Foundation operational launch, read 4 Nov 2026
- crossmint.com/announcement/agent-commerce-toolkit-launch, read 4 Nov 2026
- docs.skyfire.xyz/llms.txt, read 4 Nov 2026
- payos.ai, read 4 Nov 2026
- worldpay.com/en/agentic-commerce, read 4 Nov 2026
- developer.paypal.com/agent-ready/overview, read 4 Nov 2026
- docs.cdp.coinbase.com/x402/core-concepts/facilitator, read 4 Nov 2026
- stripe.com, read 4 Nov 2026
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