You Keep 97%.
We Handle the Rest.
One flat 3% platform fee on every transaction. No hidden charges, no per-seat pricing, no surprise invoices. Settlement is instant, in USDC, to your wallet.
┌─────────────────────────────┐ │ │ │ Agent Pays $1.00 │ │ │ └─────────────────────────────┘ │ 3% fee │ ▼ ┌─────────────────────────────┐ │ │ │ 402.md Fee $0.03 │ │ │ └─────────────────────────────┘ │ ▼ ┌─────────────────────────────┐ │ │ │ You Receive $0.97 │ │ │ └─────────────────────────────┘
┌──────────────────┐ ┌──────────────────┐ ┌───────────────────┐ │ Agent Pays $1.00 │ ──3%──► │ 402.md Fee $0.03 │ ──97%─► │ You Receive $0.97 │ └──────────────────┘ └──────────────────┘ └───────────────────┘
Gas fees (~$0.001) covered by 402.md on every settlement
402.md vs. the Alternatives
| Feature | 402.md | RapidAPI | Stripe |
|---|---|---|---|
| Agent payments (x402) | |||
| Revenue to vendor | 97% | 70–80% | ~97% |
| Settlement speed | Instant (USDC) | 30 days | 2–3 days |
| Chargebacks | None | N/A | Yes (1–3%) |
| Multi-mode commerce | |||
| Escrow protection | |||
| AI-native discovery | |||
| Integration time | 5 minutes | 1–2 hours | 1–2 weeks |
Common Questions
No. USDC is a stablecoin pegged 1:1 to USD — $1 USDC always equals $1. It is issued by Circle, backed by US dollars and short-term treasuries. No volatility risk.
Stripe charges ~2.9% + $0.30 per transaction, plus chargebacks cost 1–3% of revenue. With 402.md, there are zero chargebacks and instant settlement — no net-30 float. The effective cost is often lower.
The agent economy is growing exponentially. Over 75M transactions and $24M in volume have already been processed. Early movers capture the infrastructure layer — like Stripe did for web payments before e-commerce exploded.
On the Free plan, transactions beyond 1,000/month are queued until the next billing cycle or you upgrade. On Pro and Enterprise, overages are billed at the standard 3% rate with no interruption.
Yes. 402.md is adding Stripe fallback for agents and humans without USDC wallets. You can also embed the checkout widget on any website for QR code and WalletConnect payments.
USDC settles on Base L2 in seconds. You choose daily, weekly, or monthly payouts. Minimum payout is $10 USDC. Gas fees (~$0.001) are covered by 402.md.
x402 is an open HTTP protocol by Coinbase, already supported by multiple clients and tools. 402.md abstracts the protocol — even if the underlying standard evolves, your integration stays the same.
Start free. Scale when ready.
No credit card required. Your first 1,000 transactions are on us.