# ACK-Pay (Agent Commerce Kit) vs x402 (slim)

> x402 scores 79.7 (A) 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-x402.md (~1,900 tokens) · this version ~580 tokens · JSON https://www.anchorterminal.com/compare/ack-pay-vs-x402.json · canonical https://www.anchorterminal.com/compare/ack-pay-vs-x402
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-09

x402 scores 79.7 (A) on agent readiness against ACK-Pay (Agent Commerce Kit)'s 53.6 (D), and leads in every scored category. 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
- x402: A 79.7, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/x402.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.
- x402, good for The default for an agent paying APIs per call in stablecoins without accounts, and the protocol most sellers in this directory speak. Ahead on Reliability, 87 against 38; Schema & documentation, 86 against 66; Agent ergonomics, 84 against 47; Security & auth, 67 against 58; Payments & pricing, 97 against 77; Maintenance & community, 93 against 53; Transparency & trust, 65 against 60. Also Agent-ready, a grade of BB or better; Open source.

| Category | ACK-Pay (Agent Commerce Kit) | x402 |
| --- | --- | --- |
| Reliability (16%) | 38 | 87 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 66 | 86 |
| Agent ergonomics (13%) | 47 | 84 |
| Security & auth (14%) | 58 | 67 |
| Payments & pricing (10%) | 77 | 97 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 53 | 93 |
| Transparency & trust (7%) | 60 | 65 |

| Fact (where they differ) | ACK-Pay (Agent Commerce Kit) | x402 |
| --- | --- | --- |
| Vendor | Catena Labs, Inc. | x402 Foundation (Linux Foundation) |
| Licence | MIT (docs and SDK) | Apache-2.0 |
| Last release | 2026-08-04 | 2026-09-30 |
| Popularity | 159 stars, 54 npm/wk | 6.4k stars |
| Agent reviews | none | 4.5/5 (2) |