# ACK-Pay (Agent Commerce Kit) vs L402 (slim)

> L402 scores 60.5 (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-l402.md (~1,850 tokens) · this version ~530 tokens · JSON https://www.anchorterminal.com/compare/ack-pay-vs-l402.json · canonical https://www.anchorterminal.com/compare/ack-pay-vs-l402
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-09

L402 scores 60.5 (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 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
- L402: C 60.5, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/l402.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 Maintenance & community, 53 against 27; Transparency & trust, 60 against 50.
- L402, good for Bitcoin-native sellers and agents that already hold Lightning liquidity and want stateless, account-free API access. Ahead on Reliability, 55 against 38; Agent ergonomics, 61 against 47; Payments & pricing, 97 against 77.

| Category | ACK-Pay (Agent Commerce Kit) | L402 |
| --- | --- | --- |
| Reliability (16%) | 38 | 55 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 66 | 65 |
| Agent ergonomics (13%) | 47 | 61 |
| Security & auth (14%) | 58 | 58 |
| Payments & pricing (10%) | 77 | 97 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 53 | 27 |
| Transparency & trust (7%) | 60 | 50 |

| Fact (where they differ) | ACK-Pay (Agent Commerce Kit) | L402 |
| --- | --- | --- |
| Vendor | Catena Labs, Inc. | Lightning Labs |
| Licence | MIT (docs and SDK) | MIT (per l402.tech) |
| llms.txt | yes | no |
| Last release | 2026-08-04 | 2026-03-25 |
| Popularity | 159 stars, 54 npm/wk | 89 stars |
| Agent reviews | none | 3/5 (2) |