# Adyen MCP server vs Paid

> Adyen scores 60.3 (C) to Paid's 55.1 (C) for checkout. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/adyen-mcp-server-vs-paid
- Markdown: https://www.anchorterminal.com/compare/adyen-mcp-server-vs-paid.md (~2,600 tokens)
- Slim: https://www.anchorterminal.com/compare/adyen-mcp-server-vs-paid.min.md (~780 tokens, same facts, less prose, for token-sensitive contexts)
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- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-09

Adyen MCP server scores 60.3 (C) on agent readiness against Paid's 55.1 (C), and leads in 4 of 7 scored categories. Paid leads on agent ergonomics and maintenance & community. Both do checkout.

- Adyen MCP server: grade C, 60.3/100, rank #520 of 950. Markdown https://www.anchorterminal.com/tools/adyen-mcp-server.md · JSON https://www.anchorterminal.com/api/v1/tools/adyen-mcp-server.json
- Paid: grade C, 55.1/100, rank #669 of 950. Markdown https://www.anchorterminal.com/tools/paid.md · JSON https://www.anchorterminal.com/api/v1/tools/paid.json
- Best payment and monetisation platforms for AI agents: https://www.anchorterminal.com/best/payment-platforms/index.md
- All 76 platforms comparisons: https://www.anchorterminal.com/compare/payment-platforms/index.md

## Which one, for what

### Adyen MCP server (C)

Good for: An Adyen merchant's developer or operations staff who want an assistant to create payment links and sessions, look up terminals, webhooks, users and credentials, and change terminal settings, with a person watching writes.

Ahead on:
- Reliability, 65 against 35
- Schema & documentation, 73 against 64
- Payments & pricing, 35 against 30
- Transparency & trust, 83 against 51

Also in its favour:
- Runs on your own machine
- Open source

Watch for: The README is headed alpha, the package is at 0.6.0, and the server reports itself as version 0.4.0

### Paid (C)

Good for: A team selling an AI agent that needs usage metering, credit balances, cost and margin tracking and invoicing in one service, with Stripe as the payment rail.

Ahead on:
- Agent ergonomics, 70 against 56
- Maintenance & community, 77 against 42

Also in its favour:
- A hosted endpoint, with nothing to install
- Free to start without a card

Watch for: The docs index advertises an OpenAPI 3.1 file at two addresses, and both returned 404 on 9 October 2026


## Score by category

| Category | Weight | Adyen MCP server | Paid | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 65 | 35 | Adyen MCP server +30 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 73 | 64 | Adyen MCP server +9 |
| Agent ergonomics | 13% (16.2 this run) | 56 | 70 | Paid +14 |
| Security & auth | 14% (17.5 this run) | 63 | 65 | Paid +2 |
| Payments & pricing | 10% (12.5 this run) | 35 | 30 | Adyen MCP server +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 42 | 77 | Paid +35 |
| Transparency & trust | 7% (8.8 this run) | 83 | 51 | Adyen MCP server +32 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **60.3 · C** | **55.1 · C** | |

## Facts side by side

| Fact | Adyen MCP server | Paid |
| --- | --- | --- |
| Kind | MCP server | HTTP API |
| Vendor | Adyen N.V. | Agent Paid Limited |
| Hosted endpoint | no (local only) | `https://api.agentpaid.io/api/v2` |
| Transports | stdio | HTTP, Streamable HTTP |
| Auth | API key | OAuth or key |
| Pricing | Pay per use | Freemium |
| x402 | no | no |
| Licence | MIT for the server. The Adyen APIs it calls are a closed service under a merchant agreement and the Adyen Terms and Conditions | Proprietary service under Paid's Master Subscription Agreement. The Node and Python SDKs on GitHub are MIT |
| Tools exposed | 38 | none |
| Read-only variant documented | yes | yes |
| llms.txt | yes | yes |
| Last release | 2026-08-24 | 2026-09-15 |
| Terms last updated | 2023-11-01 | no date given |
| Privacy policy last updated | 2025-08-04 | no date given |
| Customer content may train models | yes | not found in the text |
| Terms restrict automated access | not found in the text | not found in the text |
| Terms restrict benchmarking | not found in the text | yes |
| Terms or service can change without notice | not found in the text | not found in the text |
| Arbitration or class-action waiver | yes | not found in the text |
| Popularity | 27 stars, 168 npm/wk | 24k npm/wk |

## Verdicts

**Adyen MCP server.** All 38 tools carry read-only, destructive and idempotent annotations, and `--tools` loads a subset under an API credential limited by roles. The README labels the server alpha, `refund_payment` and the other POST tools send no idempotency key, and failures come back as plain text without an error flag.

**Paid.** Paid suits a builder who wants usage metering, credits and invoicing behind one API, with restricted and customer-bound keys, OAuth on the MCP server and a free plan that needs no card. No status page, SLA figure, API changelog or rate-limit numbers were found, both advertised OpenAPI links returned 404, and card payments need the builder's own Stripe account.

## Before you call either

### Adyen MCP server

1. Set `ADYEN_API_KEY` in the environment and start with `npx -y @adyen/mcp --env=TEST`. The `--adyenApiKey` flag in the docs page puts the key in the process list
2. Pass `--tools=` with only the tool names the task needs. The default loads all 38, and the terminal settings schema alone is about 29 KB of source
3. Call `refund_payment` with `pspReference`, `currency`, `value`, `merchantAccount` and `reference`. The description's `paymentPspReference` is not the field name
4. Treat a `Failed to ...` reply from a write tool as outcome unknown, not as failure. Do not repeat a refund without checking the Customer Area or the REFUND webhook
5. Give amounts in minor units (1099 for 10.99 EUR). Live use needs `--env=LIVE --livePrefix=` with the prefix from the live Customer Area

### Paid

1. Call `https://api.agentpaid.io/api/v2` with `Authorization: Bearer <key>`. A person creates the first key at app.paid.ai. No programmatic signup was found
2. Give every signal a stable `idempotencyKey` and resend the same key on retry. Signals without one are not deduplicated
3. Send at most 500 signals a request. A 429 rejects the whole batch, so wait for `Retry-After` and resend it all
4. Read the `code` field on a 429. `CONCURRENCY_LIMIT_EXCEEDED` carries no `Retry-After` and clears when an analytics query finishes
5. Install the Python SDK as `paid-python`, the name in its README and `pyproject.toml`. The quickstart's `pip install paid` names a package we could not check

## Questions

### Which is better for AI agents, Adyen MCP server or Paid?

Adyen MCP server scores 60.3 (C) on agent readiness against Paid's 55.1 (C), and leads in 4 of 7 scored categories. Paid leads on agent ergonomics and maintenance & community.

### Do Adyen MCP server and Paid need an API key?

Adyen MCP server needs an API key. Paid takes an API key or an OAuth sign-in.

### Can an agent call Adyen MCP server and Paid without installing anything?

Adyen MCP server runs on your own machine, with no hosted endpoint listed. Paid has a hosted endpoint at https://api.agentpaid.io/api/v2.

### Are Adyen MCP server and Paid open source?

Adyen MCP server is open source (MIT for the server. The Adyen APIs it calls are a closed service under a merchant agreement and the Adyen Terms and Conditions). No open-source release is listed for Paid.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/adyen-mcp-server-vs-paid.json, and with the fewest tokens: https://www.anchorterminal.com/compare/adyen-mcp-server-vs-paid.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "adyen-mcp-server", "b": "paid"}`. From a terminal: `anchor compare adyen-mcp-server paid`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/adyen-mcp-server.json and https://www.anchorterminal.com/api/v1/tools/paid.json

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