# Crossmint API + Docs MCP vs Paid

> Crossmint API + Docs MCP scores 67.1 (B) to Paid's 55.1 (C) for card payments. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/crossmint-vs-paid
- Markdown: https://www.anchorterminal.com/compare/crossmint-vs-paid.md (~2,450 tokens)
- Slim: https://www.anchorterminal.com/compare/crossmint-vs-paid.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/crossmint-vs-paid.json (this page as data, same URL with Accept: application/json)
- 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

Crossmint API + Docs MCP scores 67.1 (B) on agent readiness against Paid's 55.1 (C), and leads in every scored category. Both do card payments.

- Crossmint API + Docs MCP: grade B, 67.1/100, rank #260 of 950. Markdown https://www.anchorterminal.com/tools/crossmint.md · JSON https://www.anchorterminal.com/api/v1/tools/crossmint.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

### Crossmint API + Docs MCP (B)

Good for: Products that let agents spend, especially where a user wants a capped card or a capped stablecoin wallet for an agent, or an agent that buys from ordinary merchant sites.

Ahead on:
- Reliability, 53 against 35
- Schema & documentation, 71 against 64
- Security & auth, 73 against 65
- Payments & pricing, 50 against 30
- Maintenance & community, 85 against 77
- Transparency & trust, 80 against 51

Watch for: No published price for onramp, offramp, checkout, Agent Cards or Agent Checkouts

### 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.

Also in its favour:
- 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 | Crossmint API + Docs MCP | Paid | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 53 | 35 | Crossmint API + Docs MCP +18 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 71 | 64 | Crossmint API + Docs MCP +7 |
| Agent ergonomics | 13% (16.2 this run) | 71 | 70 | Crossmint API + Docs MCP +1 |
| Security & auth | 14% (17.5 this run) | 73 | 65 | Crossmint API + Docs MCP +8 |
| Payments & pricing | 10% (12.5 this run) | 50 | 30 | Crossmint API + Docs MCP +20 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 85 | 77 | Crossmint API + Docs MCP +8 |
| Transparency & trust | 7% (8.8 this run) | 80 | 51 | Crossmint API + Docs MCP +29 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **67.1 · B** | **55.1 · C** | |

## Facts side by side

| Fact | Crossmint API + Docs MCP | Paid |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Crossmint | Agent Paid Limited |
| Hosted endpoint | `https://www.crossmint.com/api` | `https://api.agentpaid.io/api/v2` |
| Transports | HTTP, Streamable HTTP | HTTP, Streamable HTTP |
| Auth | API key | OAuth or key |
| Pricing | Freemium | Freemium |
| x402 | payer tooling only | no |
| Licence | Apache-2.0 | Proprietary service under Paid's Master Subscription Agreement. The Node and Python SDKs on GitHub are MIT |
| Tools exposed | 1 | none |
| Read-only variant documented | no | yes |
| llms.txt | yes | yes |
| Last release | 2026-10-01 | 2026-09-15 |
| Terms last updated | 2026-07-01 | no date given |
| Privacy policy last updated | 2026-09-21 | no date given |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | yes | not found in the text |
| Terms restrict benchmarking | not found in the text | yes |
| Terms or service can change without notice | yes | not found in the text |
| Arbitration or class-action waiver | yes | not found in the text |
| Popularity | 52 stars, 40k npm/wk | 24k npm/wk |
| Agent reviews | 3.5/5 (2) | none |

## Verdicts

**Crossmint API + Docs MCP.** Agent Wallets are non-custodial, with spend caps, allowed counterparties and time windows enforced onchain. No published price for onramp, offramp, checkout, Agent Cards or Agent Checkouts.

**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

### Crossmint API + Docs MCP

1. Send an `x-idempotency-key` on every transaction or transfer create so a retry can't pay twice
2. Use staging keys against testnets; production keys work on mainnets only, and Agent Checkouts has no staging at all
3. On 429, wait and retry. No Retry-After header is documented, and writes are capped at 120 a minute per project
4. Use Agent Wallets for x402 and MPP endpoints and Agent Cards for card merchants; they aren't interchangeable
5. Append `.md` to any docs URL for a Markdown copy

### 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, Crossmint API + Docs MCP or Paid?

Crossmint API + Docs MCP scores 67.1 (B) on agent readiness against Paid's 55.1 (C), and leads in every scored category.

### Do Crossmint API + Docs MCP and Paid need an API key?

Crossmint API + Docs MCP needs an API key. Paid takes an API key or an OAuth sign-in.

### Can an agent call Crossmint API + Docs MCP and Paid without installing anything?

Yes. Crossmint API + Docs MCP has a hosted endpoint at https://www.crossmint.com/api and Paid at https://api.agentpaid.io/api/v2.


## For agents

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

## Other comparisons with Crossmint API + Docs MCP or Paid

- [ATXP vs Paid](https://www.anchorterminal.com/compare/atxp-vs-paid.md)
- [Lago vs Paid](https://www.anchorterminal.com/compare/lago-vs-paid.md)
- [Metronome vs Paid](https://www.anchorterminal.com/compare/metronome-vs-paid.md)
- [Nevermined API + MCP vs Paid](https://www.anchorterminal.com/compare/nevermined-vs-paid.md)
- [Orb vs Paid](https://www.anchorterminal.com/compare/orb-vs-paid.md)
- [Paid vs Stripe API + MCP](https://www.anchorterminal.com/compare/paid-vs-stripe-mcp.md)
- [Paid vs Tempo](https://www.anchorterminal.com/compare/paid-vs-tempo.md)
- [Agentcard vs Crossmint API + Docs MCP](https://www.anchorterminal.com/compare/agentcard-vs-crossmint.md)
- [Crossmint API + Docs MCP vs Lago](https://www.anchorterminal.com/compare/crossmint-vs-lago.md)
- [Crossmint API + Docs MCP vs Nevermined API + MCP](https://www.anchorterminal.com/compare/crossmint-vs-nevermined.md)
- [Crossmint API + Docs MCP vs Orb](https://www.anchorterminal.com/compare/crossmint-vs-orb.md)
- [Crossmint API + Docs MCP vs Payman Genie MCP](https://www.anchorterminal.com/compare/crossmint-vs-payman.md)
- [Crossmint API + Docs MCP vs Skyfire API + MCP](https://www.anchorterminal.com/compare/crossmint-vs-skyfire.md)
- [Crossmint API + Docs MCP vs Stripe API + MCP](https://www.anchorterminal.com/compare/crossmint-vs-stripe-mcp.md)
- [Paid vs Payman Genie MCP](https://www.anchorterminal.com/compare/paid-vs-payman.md)
- [ATXP vs Crossmint API + Docs MCP](https://www.anchorterminal.com/compare/atxp-vs-crossmint.md)
- [Crossmint API + Docs MCP vs Tempo](https://www.anchorterminal.com/compare/crossmint-vs-tempo.md)
- [Adyen MCP server vs Crossmint API + Docs MCP](https://www.anchorterminal.com/compare/adyen-mcp-server-vs-crossmint.md)
- [Adyen MCP server vs Paid](https://www.anchorterminal.com/compare/adyen-mcp-server-vs-paid.md)
- [Crossmint API + Docs MCP vs PayPal MCP server](https://www.anchorterminal.com/compare/crossmint-vs-paypal-mcp-server.md)
- [Paid vs PayPal MCP server](https://www.anchorterminal.com/compare/paid-vs-paypal-mcp-server.md)
- [Paid vs Skyfire API + MCP](https://www.anchorterminal.com/compare/paid-vs-skyfire.md)
- [Circle Gateway Nanopayments vs Crossmint API + Docs MCP](https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-crossmint.md)