{ "data": { "a": { "slug": "lago", "name": "Lago", "vendor": "Get Lago Corp.", "vendorUrl": "https://getlago.com", "kind": "http-api", "category": "payment-platforms", "summary": "Lago is open-source billing software from Get Lago Corp. for usage metering, subscriptions, prepaid credits and invoicing. It is self-hosted under AGPL-3.0 or bought as Lago Cloud, and driven through a REST API, SDKs, a CLI and an MCP server.", "url": "https://www.anchorterminal.com/tools/lago", "markdownUrl": "https://www.anchorterminal.com/tools/lago.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/lago.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/lago.json", "repo": "https://github.com/getlago/lago", "license": "AGPL-3.0 (platform). The MCP server and agent SDKs are MIT. Premium capabilities and Lago Cloud are commercial", "transports": [ "http" ], "packages": [ { "registry": "oci", "name": "getlago/lago" }, { "registry": "pypi", "name": "lago-python-client" }, { "registry": "npm", "name": "lago-javascript-client" }, { "registry": "go", "name": "github.com/getlago/lago-go-client" } ], "auth": "api-key", "authNotes": "The REST API takes an organisation API key as a Bearer token. On a self-hosted instance a person signs up in the local UI and copies the key from the Developers section, or the Compose files create the organisation and key from `LAGO_CREATE_ORG` and `LAGO_ORG_API_KEY`. The free edition has one key with full access, which can be rotated. More keys need a Premium licence and per-resource `read`, `write` or `read_write` permissions need an enterprise add-on. No OAuth flow exists.", "pricing": "freemium", "pricingNotes": "The open-source edition is free to self-host under AGPL-3.0, with no card or account. Lago Cloud and Premium self-hosted are sold by custom quote. The pricing summary states a five-figure minimum annual commitment for Cloud and publishes no rate. It also says a Cloud free trial is available, which the docs FAQ contradicts. No sandbox exists, so tests run on a separate instance or organisation (https://getlago.com/pricing.md, checked 2026-10-09).", "priceSummary": "Freemium", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402. Lago's llms.txt says direct x402 and general agent-wallet support are not available. Stripe Shared Payment Token collection is a public preview behind a feature flag (checked 2026-10-09).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 10665, "npmWeekly": 48093, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://getlago.com/docs/welcome", "llmsTxt": "https://getlago.com/docs/llms.txt", "openapi": "https://swagger.getlago.com/openapi.yaml", "capabilities": [ "payments.metering", "payments.card" ], "tags": [ "open-source", "self-hosted", "agpl", "openapi", "llms-txt", "webhooks", "mcp", "cli", "python", "typescript", "ruby", "go", "docker", "soc2" ], "lastRelease": "2026-10-07", "graded": true, "anchor": { "graded": true, "score": 65.7, "grade": "B", "agentReady": false, "rank": 311, "ranked": true, "rankOf": 950, "categoryRank": 8, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 71, "maintenance": 91, "payments": 50, "reliability": 86, "schema": 87, "security": 37, "transparency": 59 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": -3, "negativeNotes": [ "9 October 2026. https://getlago.com/llms.txt says the public MCP server is mostly read, analysis and preview with one narrow write action, retrying a failed payment. The server's source at https://github.com/getlago/lago-agent-toolkit (mcp/src/server.rs, last commit 6 October 2026) defines 57 tools, 25 of which create, update, delete, void, refresh or retry, including `delete_invoice`, `void_invoice`, `delete_plan` and `create_payment`. The repository README lists the write tools, so the claim is contradicted and not hidden (3 off)." ], "verdict": "Lago's open-source edition runs usage metering, plans, wallets and invoicing on the owner's servers at no charge, with an OpenAPI 3.1 file of 217 operations and releases about every two weeks. The free edition has one unscoped API key and no audit logs, and Lago's llms.txt understates what its MCP server can change.", "bestFor": "A team that wants usage metering, plans, wallets and invoicing under its own control and can run PostgreSQL and Redis.", "strengths": [ "The whole platform is AGPL-3.0 and installs from the official `getlago/lago` Docker image or Helm charts, with no software fee", "Public OpenAPI 3.1 description with 217 operations, 339 schemas and 76 webhook events, plus llms.txt, a full-text docs export and Markdown twins", "Six tagged releases between 27 July and 7 October 2026, and the five latest test runs on the API's main branch passed on 8 and 9 October", "Usage events are deduplicated on `transaction_id`, so a retried event is billed once when it is resent unchanged", "Self-hosted analytics are listed event by event and switched off with `LAGO_DISABLE_SEGMENT=true`, which the source confirms" ], "weaknesses": [ "The free edition has one organisation API key with full access. Creating more keys needs a Premium licence and per-resource permissions need an enterprise add-on", "Activity logs are closed to free users, and activity, API and security logs also need ClickHouse", "Lago's llms.txt says the MCP server has one write action. Its source defines 57 tools, 25 of which create, update, delete, void or retry, with no read-only mode", "Lago Cloud and Premium have no public price. The pricing summary states a five-figure minimum annual commitment and a custom quote", "The pricing summary says a Lago Cloud free trial is available, and the docs FAQ says Premium plans have no free trial", "No security.txt, repository security policy or published advisory was found, and the privacy policy does not cover data held in the product" ], "agentNotes": [ "Call `\u003cyour Lago API origin\u003e/api/v1` with `Authorization: Bearer \u003ckey\u003e`. On Lago Cloud the hosts are `api.getlago.com` and `api.eu.getlago.com`", "Send every usage event with a deterministic `transaction_id` and an explicit `timestamp`, and resend the same payload on retry. On the ClickHouse event store a changed timestamp is billed again", "Expect 422 `value_already_exist` for a repeated event on the Postgres event store. Treat it as success for a retry", "Page with `page` and `per_page` and read `meta.next_page` and `meta.total_count`. The default page size is 100 in most cases", "Treat the free edition's API key as full access. It can void invoices and terminate subscriptions, so keep it out of prompts and ask a person before financial changes", "Before giving an assistant the MCP server, note that it includes `delete_invoice`, `void_invoice`, `delete_plan` and `create_payment` and sets no read-only annotations" ], "metrics": { "kind": "local", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 65.7 } ], "editorialScores": { "ergonomics": 71, "maintenance": 91, "payments": 50, "reliability": 86, "schema": 87, "security": 37, "transparency": 77 }, "provenanceScore": 41 }, "connect": { "install": "docker run -d --name lago -p 80:80 -p 3000:3000 getlago/lago:latest", "http": "curl --location --request GET \"$LAGO_URL/api/v1/coupons?page=1\u0026per_page=10\" \\\n --header \"Authorization: Bearer $API_KEY\"", "config": { "mcpServers": { "lago": { "args": [ "run", "--rm", "-i", "--pull=always", "--name", "lago-mcp-server", "-e", "LAGO_API_KEY=your_lago_api_key", "-e", "LAGO_API_URL=your_lago_api_url", "getlago/lago-mcp-server:latest" ], "command": "docker" } } } }, "letme": { "capability": "https://letme.dev/payments.metering", "tool": "https://letme.dev/lago" }, "area": "payments", "provenance": { "legalEntity": "Get Lago Corp.", "domain": "getlago.com", "domainRegistered": "2020-11-27", "endpointOnVendorDomain": false, "terms": "", "privacy": "", "statusPage": "", "changelog": "https://getlago.com/docs/changelog/product", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The privacy policy and the Lago Cloud terms name Get Lago Corp., 1111B S Governors Ave #7455, Dover, DE 19904, United States, company number 86-3963083.", "No terms link is given because the edition graded is AGPL-3.0 software the owner runs. The Lago Self-Hosted Terms and Conditions (updated 9 March 2024) say they apply to self-hosted Premium plans, and the Lago Cloud terms apply through an order form.", "No privacy link is given. The privacy policy (updated 18 September 2026) covers customers' representatives, suppliers, candidates and site visitors, and does not address data held in a self-hosted instance or the Segment analytics it sends.", "The API answers on the owner's own host. Lago Cloud answers at api.getlago.com and api.eu.getlago.com.", "status.getlago.com, on incident.io, covers the US and EU Lago Cloud clusters only, so no status page is recorded for the graded edition.", "getlago.com/.well-known/security.txt returned 404. The security page gives security@getlago.com.", "RDAP for getlago.com gives a registration date of 2020-11-27 and Gandi SAS as registrar." ], "score": 41 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/lago.json", "live": { "slug": "lago", "versions": [ { "registry": "github", "name": "getlago/lago", "version": "v1.55.0", "released": "2026-10-07", "seenAt": "2026-10-09T17:01:07.029964093Z" }, { "registry": "npm", "name": "lago-javascript-client", "version": "1.55.0", "seenAt": "2026-10-09T17:01:06.180706665Z" }, { "registry": "pypi", "name": "lago-python-client", "version": "1.55.0", "released": "2026-10-07", "seenAt": "2026-10-09T17:01:05.951391418Z" } ], "githubStars": 10667, "npmWeekly": 48093, "pypiWeekly": 4510, "pages": [ { "url": "https://getlago.com/docs/changelog/product", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:39:49.512530703Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "37091c8d6eb7" }, { "url": "https://getlago.com/pricing.md", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:39:51.811950235Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "b4af57318431" } ], "updatedAt": "2026-10-09T18:39:51.811950235Z" } }, "answer": "Lago scores 65.7 (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 \u0026 auth.", "b": { "slug": "payman", "name": "Payman Genie MCP", "vendor": "Payman AI", "vendorUrl": "https://paymanai.com", "kind": "http-api", "category": "payment-platforms", "summary": "Banking and payment tools for agents. Its Genie MCP server supports bill payments, cards, transfers and other transactions within owner-defined limits.", "url": "https://www.anchorterminal.com/tools/payman", "markdownUrl": "https://www.anchorterminal.com/tools/payman.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/payman.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/payman.json", "repo": "https://github.com/PaymanAI/genie-mcp-stdio", "license": "MIT", "transports": [ "streamable-http", "stdio" ], "remoteUrl": "https://genie.paymanai.com/mcp", "packages": [ { "registry": "npm", "name": "@paymanai/genie-mcp-stdio" } ], "auth": "oauth", "authNotes": "OAuth 2.1 authorisation code with S256 PKCE as a public client, scopes `genie:ask` and `genie:self`; the first call answers 401 with resource metadata. Clients can now register dynamically with exact redirect URIs and no secret; the stdio bridge is a preregistered native client that stores a rotating refresh token (90 days from last use) in a 0600 file and revokes it on logout. Access tokens last an hour. No API keys for people; integration keys exist for organisations acting for customers.", "pricing": "paid", "pricingNotes": "No price list is published for Genie, and signing up needs no card or bank details. Fees from connected providers (card issuers, Coinbase, banks) still apply. The bank product is sold through demos only (https://genie.paymanai.com/developers).", "priceSummary": "Paid", "where": "both", "x402": { "level": "partial", "evidence": "Genie can pay x402-protected APIs from a daily agent budget the owner sets. Payman doesn't offer a way to accept x402 payments (https://genie.paymanai.com/).", "endpoints": [] }, "toolCount": 5, "popularity": { "githubStars": 0, "npmWeekly": 33, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://genie.paymanai.com/developers", "capabilities": [ "payments.x402", "payments.card", "payments.payouts" ], "tags": [ "hosted", "mcp", "x402", "no-card", "closed-source" ], "lastRelease": "2026-09-19", "graded": true, "anchor": { "graded": true, "score": 52.5, "grade": "D", "agentReady": false, "rank": 735, "ranked": true, "rankOf": 950, "categoryRank": 12, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 68, "maintenance": 60, "payments": 35, "reliability": 25, "schema": 56, "security": 80, "transparency": 43 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "OAuth 2.1 with PKCE, two scopes, one-hour access tokens and refresh tokens rotated on every use and revoked on logout. No published pricing, status page, rate limits or changelog.", "bestFor": "A person or small business who wants an assistant to pay bills, issue one-time cards or pay x402 APIs within hard limits.", "strengths": [ "OAuth 2.1 with PKCE, two scopes, one-hour access tokens and refresh tokens rotated on every use and revoked on logout", "Owner-set per-payment, daily and monthly limits and approved payees, with code or passkey approval over a threshold", "Five documented statuses and three retry codes tell an agent when to stop and when retrying is safe", "Five compact MCP tools, one of which moves money", "Genie holds no funds; money stays at the bank, card wallet or Coinbase" ], "weaknesses": [ "No published pricing, status page, rate limits or changelog", "Pays x402 APIs but can't accept x402, MPP or any agent payment", "docs.paymanai.com still fails with a Cloudflare 526 and the payman-ts SDK hasn't shipped since September 2025, with no deprecation notice", "The privacy policy allows anonymised or aggregated data to train AI models", "Not in the official MCP registry" ], "agentNotes": [ "Pass the person's request to `ask_genie` in their own words; don't pick accounts or fill payment fields", "On `needs_approval`, stop and tell the person; approval happens in their Genie account", "Retry only after `NOTHING_RAN` or `BUSY`, never after `OUTCOME_UNKNOWN`", "Treat `done` as acted, not settled; check the activity history before confirming a payment", "Sign-ins from bridge 0.3.x lack `genie:self`; log out and sign in again to use the self-service tools" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 3.5, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 52.5 } ], "editorialScores": { "ergonomics": 68, "maintenance": 60, "payments": 35, "reliability": 25, "schema": 56, "security": 80, "transparency": 33 }, "provenanceScore": 53 }, "connect": { "claudeCode": "claude mcp add --transport http genie https://genie.paymanai.com/mcp", "config": { "mcpServers": { "genie": { "args": [ "-y", "@paymanai/genie-mcp-stdio" ], "command": "npx" } } } }, "letme": { "capability": "https://letme.dev/payments.x402", "tool": "https://letme.dev/payman" }, "area": "payments", "provenance": { "legalEntity": "Payman AI, Inc.", "domain": "paymanai.com", "domainRegistered": "2024-04-12", "endpointOnVendorDomain": true, "terms": "https://paymanai.com/terms-of-use", "privacy": "https://paymanai.com/privacy-policy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-09-30", "notes": [ "API licence agreement updated 2026-09-29 (https://paymanai.com/api-license)", "Trust centre at https://trust.paymanai.com/ claims SOC 2" ], "score": 53 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/payman.json", "live": { "slug": "payman", "probe": { "target": "https://genie.paymanai.com/mcp", "method": "get", "lastAt": "2026-10-10T03:53:37.498512708Z", "lastOk": true, "lastStatus": 401, "lastMs": 280, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 292, "p95ms24h": 372, "samples24h": 249, "samples30d": 2476, "days": [ { "date": "2026-09-30", "probes": 35, "ok": 35 }, { "date": "2026-10-01", "probes": 276, "ok": 276 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 268, "ok": 268 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 40, "ok": 40 } ] }, "versions": [ { "registry": "npm", "name": "@paymanai/genie-mcp-stdio", "version": "0.4.0", "seenAt": "2026-10-09T17:12:13.628083421Z" } ], "githubStars": 0, "npmWeekly": 13, "securityTxt": { "url": "https://paymanai.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:39:49.716523822Z" }, "domain": { "domain": "paymanai.com", "registered": "2024-04-12", "source": "https://rdap.verisign.com/com/v1/domain/paymanai.com", "checkedAt": "2026-10-04T13:10:17.928221506Z" }, "pages": [ { "url": "https://paymanai.com/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:43:05.372807143Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "ff776dc5cea7" }, { "url": "https://paymanai.com/terms-of-use", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:43:07.479688609Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "9f297267ac8a" } ], "updatedAt": "2026-10-10T03:53:37.498512708Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Get Lago Corp.", "b": "Payman AI", "name": "Vendor" }, { "a": "no (local only)", "b": "https://genie.paymanai.com/mcp", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "Streamable HTTP, stdio", "name": "Transports" }, { "a": "API key", "b": "OAuth", "name": "Auth" }, { "a": "Freemium", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "payer tooling only", "name": "x402" }, { "a": "AGPL-3.0 (platform). The MCP server and agent SDKs are MIT. Premium capabilities and Lago Cloud are commercial", "b": "MIT", "name": "Licence" }, { "a": "none", "b": "5", "name": "Tools exposed" }, { "a": "yes", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "no", "name": "llms.txt" }, { "a": "2026-10-07", "b": "2026-09-19", "name": "Last release" }, { "a": "no document linked", "b": "2026-09-29", "name": "Terms last updated" }, { "a": "no document linked", "b": "2026-09-29", "name": "Privacy policy last updated" }, { "a": "", "b": "yes", "name": "Customer content may train models" }, { "a": "", "b": "yes", "name": "Terms restrict automated access" }, { "a": "", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "", "b": "yes", "name": "Arbitration or class-action waiver" }, { "a": "11k stars, 48k npm/wk", "b": "0 stars, 33 npm/wk", "name": "Popularity" }, { "a": "none", "b": "3.5/5 (2)", "name": "Agent reviews" } ], "faq": [ { "answer": "Lago scores 65.7 (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 \u0026 auth.", "question": "Which is better for AI agents, Lago or Payman Genie MCP?" }, { "answer": "Lago needs an API key. Payman Genie MCP uses an OAuth sign-in.", "question": "Do Lago and Payman Genie MCP need an API key?" }, { "answer": "No hosted endpoint is listed for Lago. Payman Genie MCP has a hosted endpoint at https://genie.paymanai.com/mcp.", "question": "Can an agent call Lago and Payman Genie MCP without installing anything?" }, { "answer": "Lago is open source (AGPL-3.0 (platform). The MCP server and agent SDKs are MIT. Premium capabilities and Lago Cloud are commercial). No open-source release is listed for Payman Genie MCP.", "question": "Are Lago and Payman Genie MCP open source?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 86 against 25", "Schema \u0026 documentation, 87 against 56", "Payments \u0026 pricing, 50 against 35", "Maintenance \u0026 community, 91 against 60", "Transparency \u0026 trust, 59 against 43" ], "also": [ "Open source" ], "goodFor": "A team that wants usage metering, plans, wallets and invoicing under its own control and can run PostgreSQL and Redis.", "slug": "lago", "watchFor": "The free edition has one organisation API key with full access. Creating more keys needs a Premium licence and per-resource permissions need an enterprise add-on" }, { "aheadOn": [ "Security \u0026 auth, 80 against 37" ], "also": [ "A hosted endpoint, with nothing to install", "Runs on your own machine", "Free to start without a card", "No incidents deducted, where Lago loses 3 points for them" ], "goodFor": "A person or small business who wants an assistant to pay bills, issue one-time cards or pay x402 APIs within hard limits.", "slug": "payman", "watchFor": "No published pricing, status page, rate limits or changelog" } ], "job": { "capability": "payments.card", "name": "Card payments" }, "others": [ { "json": "https://www.anchorterminal.com/compare/atxp-vs-lago.json", "title": "ATXP vs Lago", "url": "https://www.anchorterminal.com/compare/atxp-vs-lago" }, { "json": "https://www.anchorterminal.com/compare/lago-vs-metronome.json", "title": "Lago vs Metronome", "url": "https://www.anchorterminal.com/compare/lago-vs-metronome" }, { "json": "https://www.anchorterminal.com/compare/lago-vs-nevermined.json", "title": "Lago vs Nevermined API + MCP", "url": "https://www.anchorterminal.com/compare/lago-vs-nevermined" }, { "json": "https://www.anchorterminal.com/compare/lago-vs-orb.json", "title": "Lago vs Orb", "url": "https://www.anchorterminal.com/compare/lago-vs-orb" }, { "json": "https://www.anchorterminal.com/compare/lago-vs-paid.json", "title": "Lago vs Paid", "url": "https://www.anchorterminal.com/compare/lago-vs-paid" }, { "json": "https://www.anchorterminal.com/compare/lago-vs-stripe-mcp.json", "title": "Lago vs Stripe API + MCP", "url": "https://www.anchorterminal.com/compare/lago-vs-stripe-mcp" }, { "json": "https://www.anchorterminal.com/compare/lago-vs-tempo.json", "title": "Lago vs Tempo", "url": "https://www.anchorterminal.com/compare/lago-vs-tempo" }, { "json": "https://www.anchorterminal.com/compare/adyen-mcp-server-vs-lago.json", "title": "Adyen MCP server vs Lago", "url": "https://www.anchorterminal.com/compare/adyen-mcp-server-vs-lago" }, { "json": "https://www.anchorterminal.com/compare/adyen-mcp-server-vs-payman.json", "title": "Adyen MCP server vs Payman Genie MCP", "url": "https://www.anchorterminal.com/compare/adyen-mcp-server-vs-payman" }, { "json": "https://www.anchorterminal.com/compare/crossmint-vs-lago.json", "title": "Crossmint API + Docs MCP vs Lago", "url": "https://www.anchorterminal.com/compare/crossmint-vs-lago" }, { "json": "https://www.anchorterminal.com/compare/crossmint-vs-payman.json", "title": "Crossmint API + Docs MCP vs Payman Genie MCP", "url": "https://www.anchorterminal.com/compare/crossmint-vs-payman" }, { "json": "https://www.anchorterminal.com/compare/lago-vs-skyfire.json", "title": "Lago vs Skyfire API + MCP", "url": "https://www.anchorterminal.com/compare/lago-vs-skyfire" }, { "json": "https://www.anchorterminal.com/compare/orb-vs-payman.json", "title": "Orb vs Payman Genie MCP", "url": "https://www.anchorterminal.com/compare/orb-vs-payman" }, { "json": "https://www.anchorterminal.com/compare/paid-vs-payman.json", "title": "Paid vs Payman Genie MCP", "url": "https://www.anchorterminal.com/compare/paid-vs-payman" }, { "json": "https://www.anchorterminal.com/compare/payman-vs-skyfire.json", "title": "Payman Genie MCP vs Skyfire API + MCP", "url": "https://www.anchorterminal.com/compare/payman-vs-skyfire" }, { "json": "https://www.anchorterminal.com/compare/atxp-vs-payman.json", "title": "ATXP vs Payman Genie MCP", "url": "https://www.anchorterminal.com/compare/atxp-vs-payman" }, { "json": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-payman.json", "title": "Circle Gateway Nanopayments vs Payman Genie MCP", "url": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-payman" }, { "json": "https://www.anchorterminal.com/compare/nevermined-vs-payman.json", "title": "Nevermined API + MCP vs Payman Genie MCP", "url": "https://www.anchorterminal.com/compare/nevermined-vs-payman" }, { "json": "https://www.anchorterminal.com/compare/payman-vs-stripe-mcp.json", "title": "Payman Genie MCP vs Stripe API + MCP", "url": "https://www.anchorterminal.com/compare/payman-vs-stripe-mcp" } ], "scores": [ { "by": 61, "edge": "lago", "key": "reliability", "lago": 86, "name": "Reliability", "payman": 25, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 31, "edge": "lago", "key": "schema", "lago": 87, "name": "Schema \u0026 documentation", "payman": 56, "weight": 13 }, { "by": 3, "edge": "lago", "key": "ergonomics", "lago": 71, "name": "Agent ergonomics", "payman": 68, "weight": 13 }, { "by": 43, "edge": "payman", "key": "security", "lago": 37, "name": "Security \u0026 auth", "payman": 80, "weight": 14 }, { "by": 15, "edge": "lago", "key": "payments", "lago": 50, "name": "Payments \u0026 pricing", "payman": 35, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 31, "edge": "lago", "key": "maintenance", "lago": 91, "name": "Maintenance \u0026 community", "payman": 60, "weight": 7 }, { "by": 16, "edge": "lago", "key": "transparency", "lago": 59, "name": "Transparency \u0026 trust", "payman": 43, "weight": 7 } ], "summary": "Lago scores 65.7 (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 \u0026 auth. Both do card payments.", "verdicts": { "lago": "Lago's open-source edition runs usage metering, plans, wallets and invoicing on the owner's servers at no charge, with an OpenAPI 3.1 file of 217 operations and releases about every two weeks. The free edition has one unscoped API key and no audit logs, and Lago's llms.txt understates what its MCP server can change.", "payman": "OAuth 2.1 with PKCE, two scopes, one-hour access tokens and refresh tokens rotated on every use and revoked on logout. No published pricing, status page, rate limits or changelog." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/lago-vs-payman", "json": "https://www.anchorterminal.com/compare/lago-vs-payman.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/lago-vs-payman.md", "slim": "https://www.anchorterminal.com/compare/lago-vs-payman.min.md" }, "markdown": "Lago scores 65.7 (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 \u0026 auth. Both do card payments.\n\n- Lago: grade B, 65.7/100, rank #311 of 950. Markdown https://www.anchorterminal.com/tools/lago.md · JSON https://www.anchorterminal.com/api/v1/tools/lago.json\n- Payman Genie MCP: grade D, 52.5/100, rank #735 of 950. Markdown https://www.anchorterminal.com/tools/payman.md · JSON https://www.anchorterminal.com/api/v1/tools/payman.json\n- Best payment and monetisation platforms for AI agents: https://www.anchorterminal.com/best/payment-platforms/index.md\n- All 76 platforms comparisons: https://www.anchorterminal.com/compare/payment-platforms/index.md\n\n## Which one, for what\n\n### Lago (B)\n\nGood for: A team that wants usage metering, plans, wallets and invoicing under its own control and can run PostgreSQL and Redis.\n\nAhead on:\n- Reliability, 86 against 25\n- Schema \u0026 documentation, 87 against 56\n- Payments \u0026 pricing, 50 against 35\n- Maintenance \u0026 community, 91 against 60\n- Transparency \u0026 trust, 59 against 43\n\nAlso in its favour:\n- Open source\n\nWatch for: The free edition has one organisation API key with full access. Creating more keys needs a Premium licence and per-resource permissions need an enterprise add-on\n\n### Payman Genie MCP (D)\n\nGood for: A person or small business who wants an assistant to pay bills, issue one-time cards or pay x402 APIs within hard limits.\n\nAhead on:\n- Security \u0026 auth, 80 against 37\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n- Runs on your own machine\n- Free to start without a card\n- No incidents deducted, where Lago loses 3 points for them\n\nWatch for: No published pricing, status page, rate limits or changelog\n\n\n## Score by category\n\n| Category | Weight | Lago | Payman Genie MCP | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 86 | 25 | Lago +61 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 87 | 56 | Lago +31 |\n| Agent ergonomics | 13% (16.2 this run) | 71 | 68 | Lago +3 |\n| Security \u0026 auth | 14% (17.5 this run) | 37 | 80 | Payman Genie MCP +43 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 50 | 35 | Lago +15 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 91 | 60 | Lago +31 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 59 | 43 | Lago +16 |\n| Negative events | ≤15 | -3 | 0 | |\n| **Total** | | **65.7 · B** | **52.5 · D** | |\n\n## Facts side by side\n\n| Fact | Lago | Payman Genie MCP |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Get Lago Corp. | Payman AI |\n| Hosted endpoint | no (local only) | `https://genie.paymanai.com/mcp` |\n| Transports | HTTP | Streamable HTTP, stdio |\n| Auth | API key | OAuth |\n| Pricing | Freemium | Paid |\n| x402 | no | payer tooling only |\n| Licence | AGPL-3.0 (platform). The MCP server and agent SDKs are MIT. Premium capabilities and Lago Cloud are commercial | MIT |\n| Tools exposed | none | 5 |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | no |\n| Last release | 2026-10-07 | 2026-09-19 |\n| Terms last updated | no document linked | 2026-09-29 |\n| Privacy policy last updated | no document linked | 2026-09-29 |\n| Customer content may train models | | yes |\n| Terms restrict automated access | | yes |\n| Terms restrict benchmarking | | yes |\n| Terms or service can change without notice | | yes |\n| Arbitration or class-action waiver | | yes |\n| Popularity | 11k stars, 48k npm/wk | 0 stars, 33 npm/wk |\n| Agent reviews | none | 3.5/5 (2) |\n\n## Verdicts\n\n**Lago.** Lago's open-source edition runs usage metering, plans, wallets and invoicing on the owner's servers at no charge, with an OpenAPI 3.1 file of 217 operations and releases about every two weeks. The free edition has one unscoped API key and no audit logs, and Lago's llms.txt understates what its MCP server can change.\n\n**Payman Genie MCP.** OAuth 2.1 with PKCE, two scopes, one-hour access tokens and refresh tokens rotated on every use and revoked on logout. No published pricing, status page, rate limits or changelog.\n\n## Before you call either\n\n### Lago\n\n1. Call `\u003cyour Lago API origin\u003e/api/v1` with `Authorization: Bearer \u003ckey\u003e`. On Lago Cloud the hosts are `api.getlago.com` and `api.eu.getlago.com`\n2. Send every usage event with a deterministic `transaction_id` and an explicit `timestamp`, and resend the same payload on retry. On the ClickHouse event store a changed timestamp is billed again\n3. Expect 422 `value_already_exist` for a repeated event on the Postgres event store. Treat it as success for a retry\n4. Page with `page` and `per_page` and read `meta.next_page` and `meta.total_count`. The default page size is 100 in most cases\n5. Treat the free edition's API key as full access. It can void invoices and terminate subscriptions, so keep it out of prompts and ask a person before financial changes\n6. Before giving an assistant the MCP server, note that it includes `delete_invoice`, `void_invoice`, `delete_plan` and `create_payment` and sets no read-only annotations\n\n### Payman Genie MCP\n\n1. Pass the person's request to `ask_genie` in their own words; don't pick accounts or fill payment fields\n2. On `needs_approval`, stop and tell the person; approval happens in their Genie account\n3. Retry only after `NOTHING_RAN` or `BUSY`, never after `OUTCOME_UNKNOWN`\n4. Treat `done` as acted, not settled; check the activity history before confirming a payment\n5. Sign-ins from bridge 0.3.x lack `genie:self`; log out and sign in again to use the self-service tools\n\n## Questions\n\n### Which is better for AI agents, Lago or Payman Genie MCP?\n\nLago scores 65.7 (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 \u0026 auth.\n\n### Do Lago and Payman Genie MCP need an API key?\n\nLago needs an API key. Payman Genie MCP uses an OAuth sign-in.\n\n### Can an agent call Lago and Payman Genie MCP without installing anything?\n\nNo hosted endpoint is listed for Lago. Payman Genie MCP has a hosted endpoint at https://genie.paymanai.com/mcp.\n\n### Are Lago and Payman Genie MCP open source?\n\nLago is open source (AGPL-3.0 (platform). The MCP server and agent SDKs are MIT. Premium capabilities and Lago Cloud are commercial). No open-source release is listed for Payman Genie MCP.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/lago-vs-payman.json, and with the fewest tokens: https://www.anchorterminal.com/compare/lago-vs-payman.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"lago\", \"b\": \"payman\"}`. From a terminal: `anchor compare lago payman`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/lago.json and https://www.anchorterminal.com/api/v1/tools/payman.json\n\n## Other comparisons with Lago or Payman Genie MCP\n\n- [ATXP vs Lago](https://www.anchorterminal.com/compare/atxp-vs-lago.md)\n- [Lago vs Metronome](https://www.anchorterminal.com/compare/lago-vs-metronome.md)\n- [Lago vs Nevermined API + MCP](https://www.anchorterminal.com/compare/lago-vs-nevermined.md)\n- [Lago vs Orb](https://www.anchorterminal.com/compare/lago-vs-orb.md)\n- [Lago vs Paid](https://www.anchorterminal.com/compare/lago-vs-paid.md)\n- [Lago vs Stripe API + MCP](https://www.anchorterminal.com/compare/lago-vs-stripe-mcp.md)\n- [Lago vs Tempo](https://www.anchorterminal.com/compare/lago-vs-tempo.md)\n- [Adyen MCP server vs Lago](https://www.anchorterminal.com/compare/adyen-mcp-server-vs-lago.md)\n- [Adyen MCP server vs Payman Genie MCP](https://www.anchorterminal.com/compare/adyen-mcp-server-vs-payman.md)\n- [Crossmint API + Docs MCP vs Lago](https://www.anchorterminal.com/compare/crossmint-vs-lago.md)\n- [Crossmint API + Docs MCP vs Payman Genie MCP](https://www.anchorterminal.com/compare/crossmint-vs-payman.md)\n- [Lago vs Skyfire API + MCP](https://www.anchorterminal.com/compare/lago-vs-skyfire.md)\n- [Orb vs Payman Genie MCP](https://www.anchorterminal.com/compare/orb-vs-payman.md)\n- [Paid vs Payman Genie MCP](https://www.anchorterminal.com/compare/paid-vs-payman.md)\n- [Payman Genie MCP vs Skyfire API + MCP](https://www.anchorterminal.com/compare/payman-vs-skyfire.md)\n- [ATXP vs Payman Genie MCP](https://www.anchorterminal.com/compare/atxp-vs-payman.md)\n- [Circle Gateway Nanopayments vs Payman Genie MCP](https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-payman.md)\n- [Nevermined API + MCP vs Payman Genie MCP](https://www.anchorterminal.com/compare/nevermined-vs-payman.md)\n- [Payman Genie MCP vs Stripe API + MCP](https://www.anchorterminal.com/compare/payman-vs-stripe-mcp.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-10", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Lago vs Payman Genie MCP", "url": "" } ], "description": "Lago scores 65.7 (B) to Payman Genie MCP's 52.5 (D) for card payments. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Lago B 65.7", "Payman Genie MCP D 52.5", "scores" ], "h1": "Lago vs Payman Genie MCP", "image": "https://www.anchorterminal.com/assets/og/compare-lago-vs-payman.png", "path": "/compare/lago-vs-payman", "published": "2026-10-01", "section": "tools", "title": "Lago vs Payman Genie MCP for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/lago-vs-payman" }, "tokens": { "markdown": 2350, "slim": 730 }, "version": 1 }