Non-custodial settlement
Funds settle directly across supported payment rails. PayAccept never takes custody of your money.
The agent payment control plane
Payments infrastructure for autonomous commerce
Let people, APIs, and AI agents pay and get paid — with stablecoin settlement, policy controls, cryptographic receipts, and reconciliation built in.
Built for x402 and the emerging agent-payment ecosystem.
x402-nativeStablecoin settlementNon-custodial architectureSigned receiptsAPI-first
One infrastructure layer from intent to settlement.
Payment rails move money. PayAccept handles everything a real business needs around the payment — before it, during it, and after it.
01
Authorize
Bind every payment to intent and policy before money moves.
02
Pay
Accept payment from a person, an API client, or an AI agent.
03
Verify
Confirm the payment on-rail before goods or data ship.
04
Deliver
Release the service and capture proof of delivery.
05
Prove
Issue signed receipts and dispute-ready evidence.
06
Reconcile
Map every settlement to an order, invoice, or API call.
Built for production payments
Architectural properties, not marketing claims — the guarantees that make a payment safe to automate.
Cryptographically verifiable
Signed payment requirements, receipts, and webhooks — every message can be independently verified.
Policy controlled
Control what agents can purchase, how much they can spend, and under which conditions.
Auditable by design
A consistent evidence trail from authorization through settlement and delivery.
Four products. One integration.
Everything runs on the same authorization, evidence, and reconciliation spine — start with one product and expand without re-integrating.
AgentPay
Private betaMonetize APIs, agents, and MCP tools. Turn any HTTP endpoint into a paid service with pricing, verification, receipts, and webhooks.
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Commerce
Merchant betaAccept payments from people and autonomous buyers — store plugins, payment links, invoices, and merchant dashboards.
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Trust Layer
Private betaAuthorization, policy, signed receipts, delivery evidence, and reconciliation for every payment.
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Protocol Router
RoadmapConnect emerging payment protocols through one integration and route each payment to the right rails.
Learn moreWhere PayAccept fits
AI & APIs
Turn any endpoint, model, or MCP tool into a paid service
Meter usage, price per request, and get paid by autonomous clients — with verification before anything ships.
Learn moreCommerce
Sell to both humans and AI agents
One checkout that serves people today and autonomous buyers tomorrow, with receipts and delivery proof built in.
Learn morePlatforms
Embed autonomous payments into your product
Bring agent-ready payment capabilities to marketplaces and software platforms without building the rails yourself.
Learn moreBuilt for developers
Turn any HTTP endpoint into a paid endpoint with the x402 standard — request, 402 Payment Required, stablecoin payment, access granted, receipt issued.
$ npm install @payaccept/x402
→ GET /v1/data
← 402 Payment Required
→ GET /v1/data (X-PAYMENT)
← 200 OK · receipt attachedSecurity by design
Properties of the architecture, documented for review — not badges.
Non-custodialSignedIdempotentReplay protectedPolicy controlledAuditable
Compliance hooks
KYC/KYB controls, AML policy limits, transaction monitoring, and evidence logs — building toward regulated infrastructure.
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Auditability by design
Audit trails, webhook verification, and settlement records for every transaction — an evidence chain you can hand to a reviewer.
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Dispute workflows
Proof of delivery, refund flows, and dispute evidence for when something goes wrong — what raw payment rails don't provide.
Learn moreEnterprise
Built for organizations that need more than a transaction
Automated payments only work at scale when finance, risk, and compliance teams can trust every step. PayAccept gives them the controls and the evidence.
Talk to enterprise sales- Policy controls
- KYB/KYC integrations
- Audit evidence
- Reconciliation
- Custom settlement
- Data residency
- Enterprise support
Built for the modern payments ecosystem
PayAccept connects to the networks, protocols, and commerce platforms your business already runs on.
Commerce integration
Planned integration
Protocol compatibility
Settlement network
Planned integration
FAQs
Common questions about PayAccept, x402, and autonomous commerce.
PayAccept builds payments infrastructure for autonomous commerce — enabling APIs, AI agents, merchants, and platforms to accept, verify, settle, and reconcile internet-native payments.
PayAccept is in private beta. AgentPay, the x402 gateway, and Trust Layer receipts are available to design partners; commerce tooling is in merchant beta, and the Protocol Router is on the roadmap. Every product shows its current status.
x402 makes a payment possible. PayAccept adds what production commerce needs on top: authorization and policy, verification, signed receipts, delivery evidence, and reconciliation — plus routing to emerging protocols as they mature.
No. Payments settle in stablecoins over supported rails. PAYT and PayChain are optional ecosystem infrastructure and are not required to use any PayAccept product.
Apply for the private beta. We set design partners up with sandbox access, the x402 SDK, and a working example so you can verify your first payment end to end.
Get started
Build the payment layer for autonomous commerce.
PayAccept is in private beta. Tell us what you are building — an API, an agent, or a merchant checkout — and we set you up as a design partner.
- Free sandbox — test payments end to end with receipts and webhook events
- The x402 SDK and a working example, so you can verify a payment yourself
- Production rates agreed per customer, on one integration for AgentPay and Commerce
Not ready to talk yet?
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