# Machine payments

Allow agents to pay-per-call using MPP and x402.

Monetising an API or service typically requires account creation, subscription selection and payment entry. These flows require human input, which blocks agents from completing tasks autonomously.

Machine payments let agents pay for APIs and services programmatically. Your server returns a payment challenge, the agent presents a valid payment credential, and Stripe settles the payment to your Stripe balance.

Machine payments on Stripe works best with the Machine Payments Protocol (MPP) that is able to accept card and stablecoin payments. Stripe also supports stablecoin payments over the x402 protocol.

## Start accepting payments from agents

Learn how to accept machine payments from agents.
[Get started](https://docs.stripe.com/payments/machine/mpp.md)
## Features

Integrating with Stripe means reconciliation, reporting and the rest of your Stripe workflows continue to work as expected.

|  |
| **Stripe payments** | Payments land directly in your Stripe balance and settle in fiat. Metrics, reporting and multi-currency payouts work the same as any other payment in Stripe. |
| **Refunds** | Refunds are available through the [Refunds API](https://docs.stripe.com/refunds.md) and in the Dashboard. |
| **Microtransactions** | For card payments through [Shared Payment Tokens (SPTs)](https://docs.stripe.com/agentic-commerce/concepts/shared-payment-tokens.md), the minimum amount is US$0.50. For [stablecoin payments](https://docs.stripe.com/payments/stablecoin-payments.md), the minimum amount is 0.01 *USDC* (A cryptocurrency pegged to a fiat currency or other asset to limit volatility. Stripe supports only USDC for stablecoin balances, although transfers on the Tempo network use USDC.e). |
| **Stripe Connect** | Machine payments are available for Connect platforms across all charge types. |

## Availability

Accept payments from agents with a variety of payment methods, including cards through [Shared Payment Tokens (SPTs)](https://docs.stripe.com/agentic-commerce/concepts/shared-payment-tokens.md) and [stablecoin payments](https://docs.stripe.com/payments/stablecoin-payments.md).

### Accept card payments

MPP supports fiat payments using cards with SPTs, which are scoped grants that let an agent use a customer’s payment method, such as a card, through your [Stripe profile](https://docs.stripe.com/get-started/account/profile.md). Each SPT includes usage and expiry limits.

SPTs are available to businesses in all US states. If your business operates outside the US, [view all supported countries](https://docs.stripe.com/agentic-commerce/concepts/shared-payment-tokens.md). You can accept SPTs in [all Stripe-supported currencies](https://docs.stripe.com/currencies.md), and issue them from the [Link Agent Wallet](https://link.com/agents).

### Accept stablecoin payments

Stripe supports stablecoin payments on both MPP and x402 protocols across the following networks and currencies.

| Protocol | Network | Currency |
| --- | --- | --- |
| MPP | Tempo | USDC.e |
| MPP | Solana | USDC |
| x402 | Base | USDC |

Stablecoin payments are available to businesses in all US states, except New York. For businesses operating outside of the US, email [machine-payments@stripe.com](mailto:machine-payments@stripe.com) with your Stripe account ID to request access to stablecoin payments in 30+ countries.

To enable the payment method:

1. Enable the **Stablecoins and Cryptocurrency** payment method for your account in the [Dashboard](https://dashboard.stripe.com/settings/payment_methods).
2. Stripe reviews your access request and contacts you for more details if necessary. After we approve your request, the Stablecoins and Cryptocurrency payment method becomes active in the Dashboard.

## Submit your integration

After you finish your integration, submit it for listing in the [Stripe Directory](https://docs.stripe.com/directory.md). The Directory is a catalogue of tools and services that helps agents find your business.

Email [machine-payments@stripe.com](mailto:machine-payments@stripe.com) with:

- Your business name
- Your Stripe account ID
- Your Stripe profile ID. If necessary, [claim your Stripe profile](https://docs.stripe.com/get-started/account/profile.md).
- A link to your `llms.txt` file and links to any agent skills
- One to three example prompts that demonstrate your use case

## Integration guides

Learn how to add machine payments to any API or service using MPP or x402.

[Machine Payments Protocol (MPP)](https://docs.stripe.com/payments/machine/mpp.md): Use MPP to accept machine payments from agents.

[x402](https://docs.stripe.com/payments/machine/x402.md): Use x402 to accept machine payments from agents.

[Starter code](https://github.com/stripe-samples/machine-payments)