# Circle Gateway Nanopayments vs Payman Genie MCP (slim)

> Circle Gateway Nanopayments scores 67.6 (B) to Payman Genie MCP's 52.5 (D) for x402 payments. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-payman.md (~2,400 tokens) · this version ~730 tokens · JSON https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-payman.json · canonical https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-payman
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-09

Circle Gateway Nanopayments scores 67.6 (B) on agent readiness against Payman Genie MCP's 52.5 (D), and leads in 6 of 7 scored categories. Payman Genie MCP leads on security & auth. Both do x402 payments.

- Circle Gateway Nanopayments: B 67.6, rank #247 of 950 · https://www.anchorterminal.com/tools/circle-gateway-nanopayments.min.md
- Payman Genie MCP: D 52.5, rank #735 of 950 · https://www.anchorterminal.com/tools/payman.min.md
- Circle Gateway Nanopayments, good for Sellers charging fractions of a cent per API call and agents making many small payments from one prefunded balance on EVM chains. Ahead on Reliability, 56 against 25; Schema & documentation, 80 against 56; Agent ergonomics, 75 against 68; Payments & pricing, 80 against 35; Maintenance & community, 77 against 60; Transparency & trust, 72 against 43. Also No key needed to call it.
- Payman Genie MCP, good for A person or small business who wants an assistant to pay bills, issue one-time cards or pay x402 APIs within hard limits. Ahead on Security & auth, 80 against 64. Also Runs on your own machine; Free to start without a card; No incidents deducted, where Circle Gateway Nanopayments loses 3 points for them.

| Category | Circle Gateway Nanopayments | Payman Genie MCP |
| --- | --- | --- |
| Reliability (16%) | 56 | 25 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 80 | 56 |
| Agent ergonomics (13%) | 75 | 68 |
| Security & auth (14%) | 64 | 80 |
| Payments & pricing (10%) | 80 | 35 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 77 | 60 |
| Transparency & trust (7%) | 72 | 43 |

| Fact (where they differ) | Circle Gateway Nanopayments | Payman Genie MCP |
| --- | --- | --- |
| Vendor | Circle | Payman AI |
| Hosted endpoint | `https://gateway-api.circle.com` | `https://genie.paymanai.com/mcp` |
| Transports | HTTP | Streamable HTTP, stdio |
| Auth | None | OAuth |
| Pricing | Pay per use | Paid |
| Licence | Proprietary hosted service under the Circle Developer Terms. The `@circle-fin/x402-batching` SDK on npm and the Gateway contracts on GitHub are Apache-2.0 | MIT |
| Tools exposed | none | 5 |
| llms.txt | yes | no |
| Last release | 2026-09-16 | 2026-09-19 |
| Terms last updated | 2026-09-16 | 2026-09-29 |
| Privacy policy last updated | no date given | 2026-09-29 |
| Customer content may train models | not found in the text | yes |
| Terms restrict automated access | not found in the text | yes |
| Popularity | 17k npm/wk | 0 stars, 33 npm/wk |
| Agent reviews | none | 3.5/5 (2) |