# ACK-Pay (Agent Commerce Kit) vs Agentic Commerce Protocol (ACP) (slim)

> Agentic Commerce Protocol scores 60.9 (C) to ACK-Pay's 53.6 (D) for agent payment protocols. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/ack-pay-vs-acp.md (~2,050 tokens) · this version ~630 tokens · JSON https://www.anchorterminal.com/compare/ack-pay-vs-acp.json · canonical https://www.anchorterminal.com/compare/ack-pay-vs-acp
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-09

Agentic Commerce Protocol (ACP) scores 60.9 (C) on agent readiness against ACK-Pay (Agent Commerce Kit)'s 53.6 (D), and leads in 3 of 7 scored categories. ACK-Pay (Agent Commerce Kit) leads on security & auth, payments & pricing, maintenance & community and transparency & trust. Both do agent payment protocols.

- ACK-Pay (Agent Commerce Kit): D 53.6, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/ack-pay.min.md
- Agentic Commerce Protocol (ACP): C 60.9, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/acp.min.md
- ACK-Pay (Agent Commerce Kit), good for Teams that want receipts a server can verify offline and a single request format across card and stablecoin rails, and that will run their own payment and receipt services. Ahead on Security & auth, 58 against 53; Payments & pricing, 77 against 50; Maintenance & community, 53 against 26; Transparency & trust, 60 against 47. Also No key needed to call it.
- Agentic Commerce Protocol (ACP), good for Merchants who want to sell to people through ChatGPT or Stripe-connected agents on card rails they already have. Ahead on Reliability, 59 against 38; Schema & documentation, 90 against 66; Agent ergonomics, 77 against 47.

| Category | ACK-Pay (Agent Commerce Kit) | Agentic Commerce Protocol (ACP) |
| --- | --- | --- |
| Reliability (16%) | 38 | 59 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 66 | 90 |
| Agent ergonomics (13%) | 47 | 77 |
| Security & auth (14%) | 58 | 53 |
| Payments & pricing (10%) | 77 | 50 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 53 | 26 |
| Transparency & trust (7%) | 60 | 47 |

| Fact (where they differ) | ACK-Pay (Agent Commerce Kit) | Agentic Commerce Protocol (ACP) |
| --- | --- | --- |
| Vendor | Catena Labs, Inc. | OpenAI and Stripe |
| Auth | None | API key |
| Licence | MIT (docs and SDK) | Apache-2.0 |
| llms.txt | yes | no |
| Last release | 2026-08-04 | 2026-04-17 |
| Popularity | 159 stars, 54 npm/wk | 1.5k stars |
| Agent reviews | none | 2/5 (2) |