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Stripe

Key player

Co-authored the Agentic Commerce Protocol (ACP) with OpenAI.

Protocol & Standards ACP

What Stripe builds for agent payments

Stripe’s core product remains card-rail billing for humans. ACP is its answer to agents: a shared protocol (with OpenAI and later Meta) for how an agent discovers a merchant offer, gets buyer authorization, and completes a purchase without a traditional checkout UI.

For pure machine-to-machine micropayments, Stripe’s per-transaction fees still lose to x402 + USDC. Keep Stripe for human customers and subscriptions; use agent-native rails for per-request agent spend. See our alternatives guide for the open-source side.

Open-source projects that build on Stripe

41 repositories in this directory name Stripe in their title, description or topics — useful if you want working code rather than documentation. The most-starred are below.

  • machine-payments  51★ · Python
  • agentic-commerce-skills-plugins  34★ · Python
    Skills & plugins for agentic commerce : UCP, ACP, AP2, A2A, WebMCP, Magento 2, BigCommerce, WooCommerce
  • routeweiler-python-sdk  31★ · Python
    The financial operating system for AI agents. A single HTTP client that intercepts '402 Payment Required', routes across x402, L402, and MPP, persists credentials as recoverable assets, enforces per-envelope budgets, and emits a structured trace.
  • HYRVE-AI  20★
    The first AI agent marketplace. 5,750+ community, 51+ API endpoints, 85% commission. Powered by CashClaw v1.7.0.
  • awesome-mpp  18★ · TypeScript
    The MPP registry — 100+ Machine Payments Protocol tools, SDKs, services, and payment methods across 15+ chains. The definitive directory for Stripe + Tempo agent payments.
  • ledgerflow  15★ · Rust
    A chain-agnostic AI-native payment infrastructure, authz layer for x402
  • awesome-agentic-commerce  9★
    A curated list of awesome Agentic commerce, Universal Commerce Protocol (UCP), Agentic payments protocol (AP2) resources, tools, and implementations.
  • mpp-swift  7★ · Swift
    Canonical Swift SDK for the Machine Payments Protocol (MPP) — pay for and charge for machine-to-machine API calls over HTTP 402.
  • APIMesh  6★ · TypeScript
    APIMesh — 23 pay-per-call web analysis APIs + 16-tool MCP server with autonomous API generation. Security audits, SEO, tech stack detection. x402 + Stripe MPP payments.
  • mnemopay-sdk  6★ · TypeScript
    Trust & reputation layer for AI agents. Agent Credit Score (300-850) + Merkle-anchored ledger + behavioral finance + EWMA anomaly detection. Memory + payments + identity + fraud in one SDK. npm i @mnemopay/sdk
  • conway  6★ · TypeScript
    APIMesh — 23 pay-per-call web analysis APIs + 16-tool MCP server with autonomous API generation. Security audits, SEO, tech stack detection. x402 + Stripe MPP payments.
  • aperture  5★ · TypeScript
    Production-grade ZK compliance for AI agent payments on Solana. Real Circom Groth16 proofs gate spending limits, sanctions, and time rules without leaking payment details. Two rails: HTTP 402 (USDC/USDT/aUSDC) and Stripe MPP, both with on-chain attestation.

Stripe vs other protocol & standards

Company Protocols HQ Founded OSS repos
Stripe ACP San Francisco / Dublin 2010 0
Coinbase x402 Remote / USA 2012 1
Google AP2, A2A Mountain View, USA 1998 2
OpenAI ACP San Francisco, USA 2015 0

Also supporting ACP: OpenAI.

On mpp.best

What is ACP? →AI-native Stripe alternatives →x402 vs Stripe →

Related companies

Coinbase
x402
Google
AP2
OpenAI
ACP

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