# Lago vs Payman Genie MCP (slim)

> 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.

- Full: https://www.anchorterminal.com/compare/lago-vs-payman.md (~2,350 tokens) · this version ~730 tokens · JSON https://www.anchorterminal.com/compare/lago-vs-payman.json · canonical https://www.anchorterminal.com/compare/lago-vs-payman
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-09

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 & auth. Both do card payments.

- Lago: B 65.7, rank #311 of 950 · https://www.anchorterminal.com/tools/lago.min.md
- Payman Genie MCP: D 52.5, rank #735 of 950 · https://www.anchorterminal.com/tools/payman.min.md
- Lago, good for A team that wants usage metering, plans, wallets and invoicing under its own control and can run PostgreSQL and Redis. Ahead on Reliability, 86 against 25; Schema & documentation, 87 against 56; Payments & pricing, 50 against 35; Maintenance & community, 91 against 60; Transparency & trust, 59 against 43. Also Open source.
- 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 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.

| Category | Lago | Payman Genie MCP |
| --- | --- | --- |
| Reliability (16%) | 86 | 25 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 87 | 56 |
| Agent ergonomics (13%) | 71 | 68 |
| Security & auth (14%) | 37 | 80 |
| Payments & pricing (10%) | 50 | 35 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 91 | 60 |
| Transparency & trust (7%) | 59 | 43 |

| Fact (where they differ) | Lago | Payman Genie MCP |
| --- | --- | --- |
| Vendor | Get Lago Corp. | Payman AI |
| Hosted endpoint | no (local only) | `https://genie.paymanai.com/mcp` |
| Transports | HTTP | Streamable HTTP, stdio |
| Auth | API key | OAuth |
| Pricing | Freemium | Paid |
| x402 | no | payer tooling only |
| Licence | AGPL-3.0 (platform). The MCP server and agent SDKs are MIT. Premium capabilities and Lago Cloud are commercial | MIT |
| Tools exposed | none | 5 |
| Read-only variant documented | yes | no |
| llms.txt | yes | no |
| Last release | 2026-10-07 | 2026-09-19 |
| Terms last updated | no document linked | 2026-09-29 |
| Privacy policy last updated | no document linked | 2026-09-29 |
| Customer content may train models |  | yes |
| Terms restrict automated access |  | yes |
| Terms restrict benchmarking |  | yes |
| Terms or service can change without notice |  | yes |
| Arbitration or class-action waiver |  | yes |
| Popularity | 11k stars, 48k npm/wk | 0 stars, 33 npm/wk |
| Agent reviews | none | 3.5/5 (2) |