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HTTP-native stablecoin payments with zero fees, instant settlement, and the widest multi-chain coverage. Open source under Apache 2.0.
Transaction Fees
0%
No fees on any transaction
Settlement
Instant
Funds available immediately
Chains Supported
44
10 blockchain families
Chargebacks
Zero
No payment reversals
Support 10 blockchain families including EVM, Solana, TON, TRON, NEAR, Aptos, Tezos, Polkadot, Stacks, and Cosmos.
Production-ready SDKs for TypeScript, Python, Go, and Java. Full feature parity across all languages.
Express, Hono, Fastify, Next.js, Gin, Echo, Chi, Fiber, FastAPI, Flask, Django, Starlette, Servlet, Spring, WebFlux, Micronaut, Quarkus, and Fetch/Axios clients.
First-class MCP server and A2A transport support. AI agents can discover, negotiate, and pay for resources autonomously.
Users pay with stablecoins without needing native gas tokens. Account abstraction powered by ERC-4337 bundlers.
Run your own facilitator. No vendor lock-in, no third-party dependencies. Full control over your payment infrastructure.
| Feature | t402Protocol | StripeTraditional | PayPalTraditional | CoinbaseCommerce | BTCPayServer |
|---|---|---|---|---|---|
Transaction Fees Cost per transaction | 0% | 2.9% + $0.30 | 2.9% + $0.49 | 1% | 0% |
Settlement Time Time to receive funds | Instant | 2-7 days | 1-3 days | 1-3 days | Instant |
Global Coverage Available worldwide | 47 countries | 200+ countries | 100+ countries | ||
No KYC Required Start accepting payments immediately | |||||
Chargebacks Risk of payment reversals | None | Yes | Yes | None | None |
AI Agent Support Native MCP/A2A integration | |||||
Multi-Chain Blockchain support | 44 networks | 8 chains | 2 chains | ||
Gasless Transactions Users don't need native tokens | N/A | N/A | |||
Open Source Fully auditable code | |||||
HTTP Native Built into web protocols (HTTP 402) | |||||
Stablecoin Focus USDT/USDC native support | Limited | ||||
Self-Hosted Option Run your own infrastructure |
Transaction Fees
Cost per transaction
t402
Stripe
PayPal
Coinbase
Settlement Time
Time to receive funds
t402
Stripe
PayPal
Coinbase
Global Coverage
Available worldwide
t402
Stripe
PayPal
Coinbase
No KYC Required
Start accepting payments immediately
t402
Stripe
PayPal
Coinbase
Chargebacks
Risk of payment reversals
t402
Stripe
PayPal
Coinbase
AI Agent Support
Native MCP/A2A integration
t402
Stripe
PayPal
Coinbase
Multi-Chain
Blockchain support
t402
Stripe
PayPal
Coinbase
Gasless Transactions
Users don't need native tokens
t402
Stripe
PayPal
Coinbase
Open Source
Fully auditable code
t402
Stripe
PayPal
Coinbase
HTTP Native
Built into web protocols (HTTP 402)
t402
Stripe
PayPal
Coinbase
Stablecoin Focus
USDT/USDC native support
t402
Stripe
PayPal
Coinbase
Self-Hosted Option
Run your own infrastructure
t402
Stripe
PayPal
Coinbase
Native HTTP integration makes t402 the ideal payment rail for autonomous AI agents that need to pay for resources programmatically.
Charge per API call with zero setup. No payment processor accounts, no KYC, no waiting for payouts.
Accept payments from anywhere in the world. No banking restrictions, no currency conversion fees.
Monetize content with pay-per-view or pay-per-download. Keep 100% of your earnings with zero platform fees.
Dynamic payment routing enables multi-vendor marketplaces with instant settlement to all parties.
Microtransactions and high-frequency payments without per-transaction overhead. Perfect for gaming and streaming.
Start accepting stablecoin payments in minutes with our production-ready SDKs. No sign-up required.