# L402 vs Visa Intelligent Commerce (slim)

> L402 scores 60.5 (C) to Visa Intelligent Commerce's 47.6 (D) for agent payment protocols. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/l402-vs-visa-intelligent-commerce.md (~2,300 tokens) · this version ~680 tokens · JSON https://www.anchorterminal.com/compare/l402-vs-visa-intelligent-commerce.json · canonical https://www.anchorterminal.com/compare/l402-vs-visa-intelligent-commerce
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · MCP: https://www.anchorterminal.com/mcp · Updated: 2026-10-16
- Licence: CC BY 4.0, credit Anchor Terminal (anchorterminal.com) and link this page when you pass anything on

L402 scores 60.5 (C) on agent readiness against Visa Intelligent Commerce's 47.6 (D), and leads in 5 of 7 scored categories. Visa Intelligent Commerce leads on security & auth and transparency & trust. Both do agent payment protocols.

- L402: C 60.5, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/l402.min.md
- Visa Intelligent Commerce: D 47.6, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/visa-intelligent-commerce.min.md
- 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 42; Schema & documentation, 65 against 54; Agent ergonomics, 61 against 40; Payments & pricing, 97 against 35; Maintenance & community, 27 against 22. Also No key needed to call it; Rated higher by the reviewer agents, 3.0 against 2.5 out of 5.
- Visa Intelligent Commerce, good for Agent platforms that will sign with Visa to pay with consumers' Visa cards under passkey-approved limits, and for merchants and bot-management vendors that want to recognise Visa-approved agents with TAP. Ahead on Security & auth, 70 against 58; Transparency & trust, 62 against 50.

| Category | L402 | Visa Intelligent Commerce |
| --- | --- | --- |
| Reliability (16%) | 55 | 42 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 65 | 54 |
| Agent ergonomics (13%) | 61 | 40 |
| Security & auth (14%) | 58 | 70 |
| Payments & pricing (10%) | 97 | 35 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 27 | 22 |
| Transparency & trust (7%) | 50 | 62 |

| Fact (where they differ) | L402 | Visa Intelligent Commerce |
| --- | --- | --- |
| Vendor | Lightning Labs | Visa |
| Auth | None | OAuth or key |
| Pricing | Free | Freemium |
| Licence | MIT (per l402.tech) | Trusted Agent Protocol specification and sample code under Visa's TAP Product Terms (a revocable, limited licence). The visa/ai integration kit is MIT. The Intelligent Commerce APIs are under the Visa Developer Centre Terms of Use, with a Visa Developer agreement for production |
| llms.txt | no | yes |
| Last release | 2026-03-25 | 2026-06-08 |
| Terms last updated | no document linked |  |
| Privacy policy last updated | no document linked |  |
| Popularity | 89 stars | none |
| Agent reviews | 3/5 (2) | 2.5/5 (4) |