--- title: "MPP: protocol profile | Agent Ready Checkout" description: "Machine Payments Protocol (MPP): An HTTP 402 protocol co-authored by Tempo and Stripe with challenge. Matrix status, facts and sources." canonical: https://agentreadycheckout.com/protocols/mpp site: "Agent Ready Checkout" last_updated: 2026-11-04 section: "Protocols" --- # MPP: protocol profile | Agent Ready Checkout > Machine Payments Protocol (MPP): An HTTP 402 protocol co-authored by Tempo and Stripe with challenge. Matrix status, facts and sources. Source: https://agentreadycheckout.com/protocols/mpp Site: Agent Ready Checkout Last reviewed: 2026-11-04 Protocol profile # Machine Payments Protocol (MPP) In short An HTTP 402 protocol co-authored by Tempo and Stripe with challenge, credential and receipt messages and one-time, session and subscription intents, settling on Tempo stablecoins, Stripe tokens, cards or Lightning. For MPP, merchant of record is seller and dispute rules are rail-dependent. Stripe (live): MPP co-author; accepts MPP with cards via SPT and USDC.e on Tempo, USDC on Solana. ## Fact sheet Type Protocol Operator Tempo and Stripe Homepage [mpp.dev](https://mpp.dev/) Matrix reach 2 live, 0 pilot, 0 announced, 0 not supported, 25 with no statement found ## Readiness for merchants Seven rows, each read from a primary source on 4 Nov 2026. The [method page](https://agentreadycheckout.com/method) defines every row. | Rubric row | Reading | Evidence | Source and read date | | --- | --- | --- | --- | | Specification public | Yes | Protocol documented at mpp.dev with open-source code. | mpp.dev, 4 Nov 2026 | | Reference implementation | Yes | Stripe and Tempo SDKs; Stripe machine payments docs. | docs.stripe.com, 4 Nov 2026 | | Live surfaces | API and agent tools | Used for pay-per-call services; no consumer shopping surface uses it. | mpp.dev, 4 Nov 2026 | | Processor support | Yes | Stripe live; Visa Connect in pilot. | docs.stripe.com, 4 Nov 2026 | | Merchant of record | Seller | The service seller receives payment; card payments follow the card rules. | mpp.dev, 4 Nov 2026 | | Dispute rules | Rail-dependent | Card credentials carry card dispute rights; stablecoin settlement does not. | mpp.dev, 4 Nov 2026 | | Cost | Rail fees | Stripe charges 1.5 percent for stablecoin payments and $0.15 per SPT. | stripe.com, 4 Nov 2026 | ## The row in full: every column | Column | Status | Note | Source and read date | | --- | --- | --- | --- | | Stripe | live | MPP co-author; accepts MPP with cards via SPT and USDC.e on Tempo, USDC on Solana | docs.stripe.com, 4 Nov 2026 | | Adyen | no statement found | no statement found (2026-11-04) | docs.adyen.com, 4 Nov 2026 | | PayPal | no statement found | no statement found (2026-11-04) | developer.paypal.com, 4 Nov 2026 | | Checkout.com | no statement found | no statement found (2026-11-04) | checkout.com, 4 Nov 2026 | | Braintree | no statement found | no statement found (2026-11-04) | developer.paypal.com, 4 Nov 2026 | | Worldpay | no statement found | no statement found (2026-11-04) | worldpay.com, 4 Nov 2026 | | Coinbase | no statement found | no statement found (2026-11-04) | docs.cdp.coinbase.com, 4 Nov 2026 | | Crossmint | live | Agent Wallets support MPP payment flows | docs.crossmint.com, 4 Nov 2026 | | Skyfire | no statement found | no statement found (2026-11-04) | docs.skyfire.xyz, 4 Nov 2026 | | PayOS | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 | | Shopify | no statement found | no statement found (2026-11-04) | shopify.dev, 4 Nov 2026 | | BigCommerce | no statement found | no statement found (2026-11-04) | bigcommerce.com, 4 Nov 2026 | | Salesforce CC | no statement found | no statement found (2026-11-04) | salesforce.com, 4 Nov 2026 | | Adobe Commerce | no statement found | no statement found (2026-11-04) | experienceleague.adobe.com, 4 Nov 2026 | | commercetools | no statement found | no statement found (2026-11-04) | docs.commercetools.com, 4 Nov 2026 | | WooCommerce | no statement found | no statement found (2026-11-04) | woocommerce.com, 4 Nov 2026 | | Amazon | no statement found | no statement found (2026-11-04) | aboutamazon.com, 4 Nov 2026 | | Walmart | no statement found | no statement found (2026-11-04) | corporate.walmart.com, 4 Nov 2026 | | Target | no statement found | no statement found (2026-11-04) | corporate.target.com, 4 Nov 2026 | | Etsy | no statement found | no statement found (2026-11-04) | help.etsy.com, 4 Nov 2026 | | Wayfair | no statement found | no statement found (2026-11-04) | aboutwayfair.com, 4 Nov 2026 | | ChatGPT | no statement found | no statement found (2026-11-04) | chatgpt.com, 4 Nov 2026 | | Google AI Mode | no statement found | no statement found (2026-11-04) | developers.google.com, 4 Nov 2026 | | Perplexity | no statement found | no statement found (2026-11-04) | perplexity.ai, 4 Nov 2026 | | Amazon Rufus | no statement found | no statement found (2026-11-04) | aboutamazon.com, 4 Nov 2026 | | Meta Muse | no statement found | no statement found (2026-11-04) | about.fb.com, 4 Nov 2026 | | Copilot | no statement found | no statement found (2026-11-04) | about.ads.microsoft.com, 4 Nov 2026 | | | | 2 live or pilot of 27 | | | | ## What MPP does not do - Is not a retail cart protocol. - Has no standards-body home: governed by its authors per mpp.dev. - Does not remove card dispute rights when a card credential is used. ## Sourced facts - mpp.dev says MPP is "co-authored by Tempo and Stripe" and standardises HTTP 402 with Challenges, Credentials and a Payment-Receipt header. [mpp.dev](https://mpp.dev/), read 4 Nov 2026. - MPP intents are charge (one-time), session (metered) and subscription (recurring); transports map to HTTP headers, JSON-RPC (MCP) and WebSocket. [mpp.dev](https://mpp.dev/), read 4 Nov 2026. - Payment methods listed include Tempo stablecoins, Stripe Shared Payment Tokens, cards via encrypted network tokens, and Lightning BOLT11 invoices. [mpp.dev](https://mpp.dev/), read 4 Nov 2026. - MPP launched with Tempo mainnet on 18 Mar 2026, per The Block. [theblock.co](https://www.theblock.co/post/394131/tempo-mainnet-goes-live-with-machine-payments-protocol-for-agents), read 4 Nov 2026.Trade press - Stripe machine payments accept MPP with cards via SPT, USDC.e on Tempo and USDC on Solana; minimums are $0.50 for card SPT payments and 0.01 USDC for stablecoins. [docs.stripe.com](https://docs.stripe.com/payments/machine.md), read 4 Nov 2026. - Visa Intelligent Commerce Connect accepts MPP among its four protocols, in pilot since April 2026. [visa.co.uk](https://www.visa.co.uk/about-visa/newsroom/press-releases.3442048.html), read 4 Nov 2026. ## In the vendors section - [Stripe](https://agentreadycheckout.com/vendors/stripe), processor profile - [Tempo](https://agentreadycheckout.com/vendors/tempo), agent-pay builder profile ## Compare and alternatives - [x402 vs MPP](https://agentreadycheckout.com/compare/x402-vs-mpp) ## Sources 1. [Machine Payments Protocol](https://mpp.dev/), read 4 Nov 2026 2. [The Block: Tempo mainnet goes live with MPP](https://www.theblock.co/post/394131/tempo-mainnet-goes-live-with-machine-payments-protocol-for-agents), read 4 Nov 2026 3. [docs.stripe.com/payments/machine.md](https://docs.stripe.com/payments/machine.md), read 4 Nov 2026 4. [Visa opens the door to AI-driven shopping (Intelligent Commerce Connect)](https://www.visa.co.uk/about-visa/newsroom/press-releases.3442048.html), read 4 Nov 2026 5. [stripe.com/pricing](https://stripe.com/pricing), read 4 Nov 2026 6. [docs.crossmint.com/agents/overview](https://docs.crossmint.com/agents/overview), read 4 Nov 2026 Last reviewed 4 Nov 2026 ## Edition Matrix edition of 4 Nov 2026. Reviewed 4 Nov 2026, [6 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. None of the 9,977 carries an MPP protocol tag. - [x402 or MPP for a seller](https://agentreadycheckout.com/pay-per-call/x402-or-mpp) - [How to price a call](https://agentreadycheckout.com/pay-per-call/price-a-call) ## Method [How cells, sources and read dates are defined](https://agentreadycheckout.com/method)