--- title: "x402: protocol profile | Agent Ready Checkout" description: "x402: An HTTP 402 payment protocol: a server answers 402 with payment requirements, the client pays. Matrix status, facts and sources." canonical: https://agentreadycheckout.com/protocols/x402 site: "Agent Ready Checkout" last_updated: 2026-11-04 section: "Protocols" --- # x402: protocol profile | Agent Ready Checkout > x402: An HTTP 402 payment protocol: a server answers 402 with payment requirements, the client pays. Matrix status, facts and sources. Source: https://agentreadycheckout.com/protocols/x402 Site: Agent Ready Checkout Last reviewed: 2026-11-04 Protocol profile # x402 In short An HTTP 402 payment protocol: a server answers 402 with payment requirements, the client pays (mostly stablecoins on EVM chains and Solana, Lightning since Sep 2026) and retries; governed by the x402 Foundation. For x402, merchant of record is seller and dispute rules are none. Announced but not yet live: Adyen. One limit: does not offer chargebacks on stablecoin payments. ## Fact sheet Type Protocol Operator x402 Foundation (Linux Foundation) Homepage [x402.org](https://www.x402.org/) Matrix reach 3 live, 0 pilot, 1 announced, 0 not supported, 23 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 | Spec v1 and v2 public on GitHub. | github.com, 4 Nov 2026 | | Reference implementation | Yes | TypeScript, Python and Go SDKs; Coinbase CDP facilitator. | github.com, 4 Nov 2026 | | Live surfaces | API and agent tools | Used for pay-per-call APIs; no consumer shopping surface uses it for retail checkout. | x402.org, 4 Nov 2026 | | Processor support | Yes | Stripe accepts x402 (USDC on Base); Coinbase runs a facilitator. | docs.stripe.com, 4 Nov 2026 | | Merchant of record | Seller | The server operator receives payment directly; no card-network merchant concept applies to stablecoin settlement. | x402.org, 4 Nov 2026 | | Dispute rules | None | Onchain settlement is final; no chargeback mechanism in the spec. | github.com, 4 Nov 2026 | | Cost | Network fees only | Zero protocol fees; facilitator fees vary (Coinbase $0.001 after 1,000 a month). | docs.cdp.coinbase.com, 4 Nov 2026 | ## The row in full: every column | Column | Status | Note | Source and read date | | --- | --- | --- | --- | | Stripe | live | Machine payments accept x402 USDC on Base; US businesses except New York | docs.stripe.com, 4 Nov 2026 | | Adyen | announced | Premier member of the x402 Foundation; no Adyen x402 acceptance docs found | x402.org, 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 | live | x402 originator; CDP Facilitator settles on Base and Solana with OFAC and KYT screening | docs.cdp.coinbase.com, 4 Nov 2026 | | Crossmint | live | Agent Wallets pay APIs per call over x402 with card-funded stablecoin wallets | 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 | | | | 3 live or pilot of 27 | | | | ## What x402 does not do - Does not offer chargebacks on stablecoin payments. - Is not a retail checkout protocol: no cart, tax or shipping objects. - Does not identify the paying agent beyond the wallet unless an identity extension is used. ## Sourced facts - x402.org says a server responds with HTTP 402 when a request arrives without payment, prompting the client to pay and retry; it lists zero protocol fees. [x402.org](https://www.x402.org/), read 4 Nov 2026. - The Linux Foundation announced the x402 Foundation on 2 Apr 2026 at MCP Dev Summit North America, with 22 organisations stating intent to support it. [linuxfoundation.org](https://www.linuxfoundation.org/press/linux-foundation-is-launching-the-x402-foundation-and-welcoming-the-contribution-of-the-x402-protocol), read 4 Nov 2026. - The Linux Foundation announced the operational launch on 14 Jul 2026 with 40 member organisations; premier members include Adyen, AWS, American Express, Circle, Cloudflare, Coinbase, Fiserv, Google, Mastercard, Shopify, Stripe and Visa. [x402.org](https://x402.org/linux-foundation-announces-operational-launch-of-x402-foundation-to-standardize-internet-native-payments-for-ai-agents-and-applications/), read 4 Nov 2026. - The x402-foundation GitHub organisation holds the spec repo plus tsc (created 10 Jul 2026) and working groups for identity, tax, domain discovery and card acceptance (created 23 Sep 2026). [github.com](https://github.com/x402-foundation/wg-card-acceptance), read 4 Nov 2026. - The spec defines exact, upto, auth-capture and batch-settlement schemes; the exact scheme covers EVM, Solana, Algorand, Aptos, Canton, Cardano, Hedera, NEAR, Starknet, Stellar, Sui, TON, XRPL and others. [github.com](https://github.com/x402-foundation/x402), read 4 Nov 2026. - An exact scheme for Bitcoin Lightning (lnbtc) was merged into the spec on 23 Sep 2026 (PR #2861). [github.com](https://github.com/x402-foundation/x402/blob/main/specs/schemes/exact/scheme_exact_lnbtc.md), read 4 Nov 2026. - Coinbase's CDP facilitator says it has processed more than 100 million x402 payments and $28 million in volume across Base and Solana. [docs.cdp.coinbase.com](https://docs.cdp.coinbase.com/x402/core-concepts/facilitator), read 4 Nov 2026.Vendor claim - Coinbase charges nothing for the first 1,000 onchain facilitator transactions a month, then $0.001 each; verification is free. [docs.cdp.coinbase.com](https://docs.cdp.coinbase.com/x402/core-concepts/facilitator), read 4 Nov 2026. - Mastercard Agent Pay for Machines builds on x402 (20 Oct 2026). [mastercard.com](https://www.mastercard.com/global/en/news-and-trends/press/2026/october/Mastercard-Agent-Pay-for-Machines-in-action.html), read 4 Nov 2026. ## In the vendors section - [Coinbase Developer Platform](https://agentreadycheckout.com/vendors/coinbase), agent-pay builder profile - [MoonPay](https://agentreadycheckout.com/vendors/moonpay), agent-pay builder profile - [thirdweb](https://agentreadycheckout.com/vendors/thirdweb), agent-pay builder profile - [Cloudflare](https://agentreadycheckout.com/vendors/cloudflare), rules or identity programme profile - [x402 Foundation](https://agentreadycheckout.com/vendors/x402-foundation), rules or identity programme profile ## Compare and alternatives - [x402 vs MPP](https://agentreadycheckout.com/compare/x402-vs-mpp) - [x402 vs Agent Pay for Machines](https://agentreadycheckout.com/compare/x402-vs-agent-pay-for-machines) - [UCP vs x402](https://agentreadycheckout.com/compare/ucp-vs-x402) ## Sources 1. [x402.org](https://www.x402.org/), read 4 Nov 2026 2. [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 3. [x402 Foundation operational launch](https://x402.org/linux-foundation-announces-operational-launch-of-x402-foundation-to-standardize-internet-native-payments-for-ai-agents-and-applications/), read 4 Nov 2026 4. [x402 card acceptance working group](https://github.com/x402-foundation/wg-card-acceptance), read 4 Nov 2026 5. [x402 specification repository](https://github.com/x402-foundation/x402), read 4 Nov 2026 6. [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 7. [docs.cdp.coinbase.com/x402/core-concepts/facilitator](https://docs.cdp.coinbase.com/x402/core-concepts/facilitator), read 4 Nov 2026 8. [Watch Mastercard Agent Pay for Machines in action](https://www.mastercard.com/global/en/news-and-trends/press/2026/october/Mastercard-Agent-Pay-for-Machines-in-action.html), read 4 Nov 2026 9. [docs.stripe.com/payments/machine.md](https://docs.stripe.com/payments/machine.md), read 4 Nov 2026 10. [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, [10 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)