x402 alternatives

Tools that do what x402 does, found by what they say they do rather than by shelf. Among the equally alike, the most used come first. Each line says how it differs from x402.

Read 2026-11-03

With a free plan or free to use: Loomal, PayAI, Purchase API by Agentcard, OpenRouter, x402 Agent Pay.

10 alternativesUnlike x402

#1
Loomal Finance
Adds a payment layer to APIs and stores so AI agents can purchase access using USDC cryptocurrency.
Free planMore widely used
62
Active
From $49/mo
#2
PayAI Finance MCP · open
Verifies and settles USDC payments for x402 requests on Solana and EVM networks, so servers can charge per request.
Free planOwn MCP server
133
Active
#3
AiFinPay Developer tools MCP · sign-in
Enables autonomous AI agents to pay for API calls on-chain with per-call settlement across multiple blockchains.
Also: AgentsMore widely used
2.9k installs/mo
Active
From $1 per use
#4
Stablecoin Platform & APIs for Enterprises AI agent payments MCP · sign-in
Provides programmable wallets and fiat-to-stablecoin onramps and offramps, exposed through headless APIs for enterprises moving stablecoins.
More widely used
2.2k
Active
From $0.02 per use
#5
The Agent Bar Developer tools MCP · open
Lets AI agents connect over MCP and pay for access per request using HTTP 402 responses.
Also: AgentsOwn MCP server
Little sign of use
Active
#6
Purchase API by Agentcard Finance MCP · open
Issues virtual cards and processes payments for AI agents to purchase goods online.
Free planAlso: Agents
198
Active
From $0.15 per use
#7
OpenRouter LLM operations MCP · sign-in
Routes API requests to 500 language models across 80 providers through a unified interface.
Free planMore widely used
224k
Active
Free plan
2023
#8
x402 Developer tools
Lets clients pay per API request in USDC on Base through the HTTP 402 response, with Node and Python SDKs.
More widely used
35 linking domains
Active
#9
Squid Pay Finance
Provides agent wallets with budgets, per-transaction limits and approved destinations so AI agents can make payments.
More widely used
27 linking domains
Active
#10
x402 Agent Pay Finance MCP · open
Verifies and settles escrowed USDC payments on Base for HTTP endpoints that AI agents call, using the 402 status code.
Free planOwn MCP server
Little sign of use
Active
Free plan

← x402: the full card All AI agent payments tools →

How this list is made: the words x402 is described with (what it does, for whom, what it is used for) are matched against every tool in the Atlas. A tool on the same shelf, or doing the same kind of work, counts for a little more. Nothing here is paid for.