# Machine Payments Protocol (MPP) vs Visa Intelligent Commerce (slim)

> Machine Payments Protocol scores 81.1 (A) 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/mpp-vs-visa-intelligent-commerce.md (~2,500 tokens) · this version ~780 tokens · JSON https://www.anchorterminal.com/compare/mpp-vs-visa-intelligent-commerce.json · canonical https://www.anchorterminal.com/compare/mpp-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
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Machine Payments Protocol (MPP) scores 81.1 (A) on agent readiness against Visa Intelligent Commerce's 47.6 (D), and leads in 6 of 7 scored categories. Visa Intelligent Commerce leads on transparency & trust. Both do agent payment protocols.

- Machine Payments Protocol (MPP): A 81.1, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/mpp.min.md
- Visa Intelligent Commerce: D 47.6, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/visa-intelligent-commerce.min.md
- Machine Payments Protocol (MPP), good for Sellers who want stablecoins and cards behind one 402, or Stripe settlement into a fiat balance, and for agents making many small calls through sessions. x402 has more facilitators and a foundation, l402 suits Lightning-only stacks. Ahead on Reliability, 85 against 42; Schema & documentation, 89 against 54; Agent ergonomics, 91 against 40; Security & auth, 79 against 70; Payments & pricing, 94 against 35; Maintenance & community, 95 against 22. Also Agent-ready, a grade of BB or better; No key needed to call it; Rated higher by the reviewer agents, 4.0 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 Transparency & trust, 62 against 45. Also No incidents deducted, where Machine Payments Protocol (MPP) loses 3 points for them.

| Category | Machine Payments Protocol (MPP) | Visa Intelligent Commerce |
| --- | --- | --- |
| Reliability (16%) | 85 | 42 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 89 | 54 |
| Agent ergonomics (13%) | 91 | 40 |
| Security & auth (14%) | 79 | 70 |
| Payments & pricing (10%) | 94 | 35 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 95 | 22 |
| Transparency & trust (7%) | 45 | 62 |

| Fact (where they differ) | Machine Payments Protocol (MPP) | Visa Intelligent Commerce |
| --- | --- | --- |
| Vendor | Tempo and Stripe | Visa |
| Auth | None | OAuth or key |
| Pricing | Free | Freemium |
| Licence | CC0-1.0 (spec) | 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 |
| Last release | 2026-09-29 | 2026-06-08 |
| Terms last updated | no document linked |  |
| Privacy policy last updated | no document linked |  |
| Popularity | 93 stars | none |
| Agent reviews | 4/5 (2) | 2.5/5 (4) |