{ "data": { "a": { "slug": "paid", "name": "Paid", "vendor": "Agent Paid Limited", "vendorUrl": "https://paid.ai", "kind": "http-api", "category": "payment-platforms", "summary": "Paid is a billing and metering platform for companies that sell AI agents. It records usage signals and model costs and runs credits, plans, invoices and checkout, through a REST API, five SDKs, a CLI and a hosted MCP server.", "url": "https://www.anchorterminal.com/tools/paid", "markdownUrl": "https://www.anchorterminal.com/tools/paid.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/paid.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/paid.json", "repo": "https://github.com/paid-ai/paid-node", "license": "Proprietary service under Paid's Master Subscription Agreement. The Node and Python SDKs on GitHub are MIT", "transports": [ "http", "streamable-http" ], "remoteUrl": "https://api.agentpaid.io/api/v2", "packages": [ { "registry": "npm", "name": "@paid-ai/paid-node" }, { "registry": "pypi", "name": "paid-python" }, { "registry": "go", "name": "github.com/paid-ai/paid-go" }, { "registry": "npm", "name": "@paid-ai/cli" } ], "auth": "mixed", "authNotes": "The REST API takes an organisation API key as a Bearer token. A person creates it at app.paid.ai under Settings, API keys. Keys are full-access or restricted by scope, and customer API keys are bound to one customer and one route. The MCP server at mcp.agentpaid.io accepts OAuth 2.1 with PKCE and automatic client registration through auth.paid.ai, or an API key. Access is self-serve with no review step found.", "pricing": "freemium", "pricingNotes": "Free plan at $0 for up to $100,000 of billings a year, with no card required per the pricing page. Paid plans are $300, $600 and $1,000 a month by billings tier, with a 14-day trial and 20 per cent off for annual billing, and Enterprise is priced on request. No per-call price or percentage fee is published. Test-mode organisations work as a sandbox (https://paid.ai/pricing, checked 2026-10-09).", "priceSummary": "$300 / mo", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the 178-operation API reference index, the guides read or the pricing page. End customers pay through the builder's connected Stripe account (checked 2026-10-09).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 24363, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://docs.paid.ai", "llmsTxt": "https://docs.paid.ai/llms.txt", "capabilities": [ "payments.metering", "payments.checkout", "payments.card" ], "tags": [ "hosted", "freemium", "no-card", "mcp", "oauth", "llms-txt", "cli", "webhooks", "typescript", "python", "go", "ruby", "java", "closed-source" ], "lastRelease": "2026-09-15", "graded": true, "anchor": { "graded": true, "score": 55.1, "grade": "C", "agentReady": false, "rank": 669, "ranked": true, "rankOf": 950, "categoryRank": 11, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 70, "maintenance": 77, "payments": 30, "reliability": 35, "schema": 64, "security": 65, "transparency": 51 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": 0, "verdict": "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.", "bestFor": "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.", "strengths": [ "Free plan at $0 for up to $100,000 of billings a year, and the pricing page says no credit card is required", "The hosted MCP server signs in through OAuth 2.1 with PKCE and client registration, and tools run with the user's role, so viewers stay read-only", "Customer API keys are bound to one customer, can only send that customer's signals, take an optional expiry and are stored as a hash", "Rate-limited requests answer 429 with `Retry-After`, and an `idempotencyKey` on each signal makes a whole-batch retry safe", "The agreement says customer data is not used to train general-purpose models, and the DPA names AWS US-East-1 and a 30-day retrieval window" ], "weaknesses": [ "The docs index advertises an OpenAPI 3.1 file at two addresses, and both returned 404 on 9 October 2026", "No status page, uptime figure or SLA percentage was found. The agreement promises commercially reasonable efforts only", "Rate limits are described as a token bucket per organisation with no published bucket size or refill rate", "No API changelog or deprecation policy was found. Six operations are marked deprecated with no removal date", "The API and MCP server run on agentpaid.io, a second domain, and collecting card or bank payments needs the builder's own connected Stripe account" ], "agentNotes": [ "Call `https://api.agentpaid.io/api/v2` with `Authorization: Bearer \u003ckey\u003e`. A person creates the first key at app.paid.ai. No programmatic signup was found", "Give every signal a stable `idempotencyKey` and resend the same key on retry. Signals without one are not deduplicated", "Send at most 500 signals a request. A 429 rejects the whole batch, so wait for `Retry-After` and resend it all", "Read the `code` field on a 429. `CONCURRENCY_LIMIT_EXCEEDED` carries no `Retry-After` and clears when an analytics query finishes", "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" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 55.1 } ], "editorialScores": { "ergonomics": 70, "maintenance": 77, "payments": 30, "reliability": 35, "schema": 64, "security": 65, "transparency": 55 }, "provenanceScore": 47 }, "connect": { "install": "npm install @paid-ai/paid-node", "http": "curl -X POST https://api.agentpaid.io/api/v2/customers/external/customer_123/api-keys \\\n -H \"Authorization: Bearer $PAID_API_KEY\" \\\n -H \"Content-Type: application/json\" \\\n -d '{\"name\": \"Tenant runtime (production)\"}'", "claudeCode": "claude mcp add --transport http paid https://mcp.agentpaid.io/mcp", "config": { "mcpServers": { "paid": { "type": "http", "url": "https://mcp.agentpaid.io/mcp" } } } }, "letme": { "capability": "https://letme.dev/payments.metering", "tool": "https://letme.dev/paid" }, "area": "payments", "unitPrices": [ { "item": "Grow plan", "unit": "month", "usd": 300, "note": "up to $200,000 of billings a year, billed monthly" }, { "item": "Scale plan", "unit": "month", "usd": 600, "note": "up to $500,000 of billings a year, billed monthly" }, { "item": "Accelerate plan", "unit": "month", "usd": 1000, "note": "up to $1 million of billings a year, billed monthly" } ], "provenance": { "legalEntity": "Agent Paid Limited", "domain": "paid.ai", "domainRegistered": "2017-12-16", "endpointOnVendorDomain": false, "terms": "https://paid.ai/legal/msa", "privacy": "https://paid.ai/legal/privacy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The Master Subscription Agreement names Agent Paid Limited, company number 16113498, registered in England and Wales at 161 Farringdon Road, London, EC1R 3AL. It governs the service, free plan included, and carries no date.", "The privacy policy names the same company as controller and says processing done for business customers is governed by the customer contract and the DPA at https://paid.ai/legal/dpa (last updated 13 March 2026).", "The API answers at api.agentpaid.io and the MCP server at mcp.agentpaid.io. The MCP server's OAuth metadata names auth.paid.ai as its authorisation server.", "paid.ai/.well-known/security.txt returned 404. The DPA gives security@paid.ai for reporting suspected incidents.", "RDAP for paid.ai gives a registration date of 2017-12-16 and a transfer on 2025-02-13. Agent Paid Limited's SDK licence files are dated 2025.", "No status page or API changelog was found in the pricing page footer, the docs index or the pages read. trust.paid.ai was not read." ], "score": 47 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/paid.json", "live": { "slug": "paid", "probe": { "target": "https://api.agentpaid.io/api/v2", "method": "get", "lastAt": "2026-10-10T02:07:19.506927913Z", "lastOk": true, "lastStatus": 404, "lastMs": 248, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 262, "p95ms24h": 378, "samples24h": 107, "samples30d": 107, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 85 }, { "date": "2026-10-10", "probes": 22, "ok": 22 } ] }, "versions": [ { "registry": "github", "name": "paid-ai/paid-node", "version": "1.8.0", "released": "2026-09-11", "seenAt": "2026-10-09T17:11:50.219297356Z" }, { "registry": "npm", "name": "@paid-ai/cli", "version": "1.2.0", "seenAt": "2026-10-09T17:11:49.525583861Z" }, { "registry": "npm", "name": "@paid-ai/paid-node", "version": "1.8.0", "seenAt": "2026-10-09T17:11:47.801044563Z" }, { "registry": "pypi", "name": "paid-python", "version": "1.12.0", "released": "2026-09-10", "seenAt": "2026-10-09T17:11:49.331417076Z" } ], "githubStars": 8, "npmWeekly": 24363, "pypiWeekly": 25035, "pages": [ { "url": "https://paid.ai/pricing", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:42:59.277334688Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "687acc4a19a1" }, { "url": "https://paid.ai/legal/privacy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:42:57.335349283Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7da60dff7a08" }, { "url": "https://paid.ai/legal/msa", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:42:55.032947366Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "654fd46e6356" } ], "updatedAt": "2026-10-10T02:07:19.506927913Z" } }, "answer": "Paid scores 55.1 (C) on agent readiness against Payman Genie MCP's 52.5 (D), and leads in 5 of 7 scored categories. Payman Genie MCP leads on security \u0026 auth and payments \u0026 pricing.", "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": "2026-10-10T02:07:19.81246281Z", "lastOk": true, "lastStatus": 401, "lastMs": 383, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 293, "p95ms24h": 372, "samples24h": 250, "samples30d": 2458, "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": 22, "ok": 22 } ] }, "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": "2026-10-10T02:07:19.81246281Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Agent Paid Limited", "b": "Payman AI", "name": "Vendor" }, { "a": "https://api.agentpaid.io/api/v2", "b": "https://genie.paymanai.com/mcp", "name": "Hosted endpoint" }, { "a": "HTTP, Streamable HTTP", "b": "Streamable HTTP, stdio", "name": "Transports" }, { "a": "OAuth or key", "b": "OAuth", "name": "Auth" }, { "a": "Freemium", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "payer tooling only", "name": "x402" }, { "a": "Proprietary service under Paid's Master Subscription Agreement. The Node and Python SDKs on GitHub are MIT", "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": "2026-09-15", "b": "2026-09-19", "name": "Last release" }, { "a": "no date given", "b": "2026-09-29", "name": "Terms last updated" }, { "a": "no date given", "b": "2026-09-29", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "yes", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "yes", "name": "Terms restrict automated access" }, { "a": "yes", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "yes", "name": "Arbitration or class-action waiver" }, { "a": "24k npm/wk", "b": "0 stars, 33 npm/wk", "name": "Popularity" }, { "a": "none", "b": "3.5/5 (2)", "name": "Agent reviews" } ], "faq": [ { "answer": "Paid scores 55.1 (C) on agent readiness against Payman Genie MCP's 52.5 (D), and leads in 5 of 7 scored categories. Payman Genie MCP leads on security \u0026 auth and payments \u0026 pricing.", "question": "Which is better for AI agents, Paid or Payman Genie MCP?" }, { "answer": "Paid takes an API key or an OAuth sign-in. Payman Genie MCP uses an OAuth sign-in.", "question": "Do Paid and Payman Genie MCP need an API key?" }, { "answer": "Yes. Paid has a hosted endpoint at https://api.agentpaid.io/api/v2 and Payman Genie MCP at https://genie.paymanai.com/mcp.", "question": "Can an agent call Paid and Payman Genie MCP without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 35 against 25", "Schema \u0026 documentation, 64 against 56", "Maintenance \u0026 community, 77 against 60", "Transparency \u0026 trust, 51 against 43" ], "also": null, "goodFor": "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.", "slug": "paid", "watchFor": "The docs index advertises an OpenAPI 3.1 file at two addresses, and both returned 404 on 9 October 2026" }, { "aheadOn": [ "Security \u0026 auth, 80 against 65", "Payments \u0026 pricing, 35 against 30" ], "also": [ "Runs on your own machine" ], "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-paid.json", "title": "ATXP vs Paid", "url": "https://www.anchorterminal.com/compare/atxp-vs-paid" }, { "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/metronome-vs-paid.json", "title": "Metronome vs Paid", "url": "https://www.anchorterminal.com/compare/metronome-vs-paid" }, { "json": "https://www.anchorterminal.com/compare/nevermined-vs-paid.json", "title": "Nevermined API + MCP vs Paid", "url": "https://www.anchorterminal.com/compare/nevermined-vs-paid" }, { "json": "https://www.anchorterminal.com/compare/orb-vs-paid.json", "title": "Orb vs Paid", "url": "https://www.anchorterminal.com/compare/orb-vs-paid" }, { "json": "https://www.anchorterminal.com/compare/paid-vs-stripe-mcp.json", "title": "Paid vs Stripe API + MCP", "url": "https://www.anchorterminal.com/compare/paid-vs-stripe-mcp" }, { "json": "https://www.anchorterminal.com/compare/paid-vs-tempo.json", "title": "Paid vs Tempo", "url": "https://www.anchorterminal.com/compare/paid-vs-tempo" }, { "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-paid.json", "title": "Crossmint API + Docs MCP vs Paid", "url": "https://www.anchorterminal.com/compare/crossmint-vs-paid" }, { "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-payman.json", "title": "Lago vs Payman Genie MCP", "url": "https://www.anchorterminal.com/compare/lago-vs-payman" }, { "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/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/adyen-mcp-server-vs-paid.json", "title": "Adyen MCP server vs Paid", "url": "https://www.anchorterminal.com/compare/adyen-mcp-server-vs-paid" }, { "json": "https://www.anchorterminal.com/compare/paid-vs-paypal-mcp-server.json", "title": "Paid vs PayPal MCP server", "url": "https://www.anchorterminal.com/compare/paid-vs-paypal-mcp-server" }, { "json": "https://www.anchorterminal.com/compare/paid-vs-skyfire.json", "title": "Paid vs Skyfire API + MCP", "url": "https://www.anchorterminal.com/compare/paid-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": 10, "edge": "paid", "key": "reliability", "name": "Reliability", "paid": 35, "payman": 25, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 8, "edge": "paid", "key": "schema", "name": "Schema \u0026 documentation", "paid": 64, "payman": 56, "weight": 13 }, { "by": 2, "edge": "paid", "key": "ergonomics", "name": "Agent ergonomics", "paid": 70, "payman": 68, "weight": 13 }, { "by": 15, "edge": "payman", "key": "security", "name": "Security \u0026 auth", "paid": 65, "payman": 80, "weight": 14 }, { "by": 5, "edge": "payman", "key": "payments", "name": "Payments \u0026 pricing", "paid": 30, "payman": 35, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 17, "edge": "paid", "key": "maintenance", "name": "Maintenance \u0026 community", "paid": 77, "payman": 60, "weight": 7 }, { "by": 8, "edge": "paid", "key": "transparency", "name": "Transparency \u0026 trust", "paid": 51, "payman": 43, "weight": 7 } ], "summary": "Paid scores 55.1 (C) on agent readiness against Payman Genie MCP's 52.5 (D), and leads in 5 of 7 scored categories. Payman Genie MCP leads on security \u0026 auth and payments \u0026 pricing. Both do card payments.", "verdicts": { "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.", "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/paid-vs-payman", "json": "https://www.anchorterminal.com/compare/paid-vs-payman.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/paid-vs-payman.md", "slim": "https://www.anchorterminal.com/compare/paid-vs-payman.min.md" }, "markdown": "Paid scores 55.1 (C) on agent readiness against Payman Genie MCP's 52.5 (D), and leads in 5 of 7 scored categories. Payman Genie MCP leads on security \u0026 auth and payments \u0026 pricing. Both do card payments.\n\n- 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\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### Paid (C)\n\nGood 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.\n\nAhead on:\n- Reliability, 35 against 25\n- Schema \u0026 documentation, 64 against 56\n- Maintenance \u0026 community, 77 against 60\n- Transparency \u0026 trust, 51 against 43\n\nWatch for: The docs index advertises an OpenAPI 3.1 file at two addresses, and both returned 404 on 9 October 2026\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 65\n- Payments \u0026 pricing, 35 against 30\n\nAlso in its favour:\n- Runs on your own machine\n\nWatch for: No published pricing, status page, rate limits or changelog\n\n\n## Score by category\n\n| Category | Weight | Paid | Payman Genie MCP | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 35 | 25 | Paid +10 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 64 | 56 | Paid +8 |\n| Agent ergonomics | 13% (16.2 this run) | 70 | 68 | Paid +2 |\n| Security \u0026 auth | 14% (17.5 this run) | 65 | 80 | Payman Genie MCP +15 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 30 | 35 | Payman Genie MCP +5 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 77 | 60 | Paid +17 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 51 | 43 | Paid +8 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **55.1 · C** | **52.5 · D** | |\n\n## Facts side by side\n\n| Fact | Paid | Payman Genie MCP |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Agent Paid Limited | Payman AI |\n| Hosted endpoint | `https://api.agentpaid.io/api/v2` | `https://genie.paymanai.com/mcp` |\n| Transports | HTTP, Streamable HTTP | Streamable HTTP, stdio |\n| Auth | OAuth or key | OAuth |\n| Pricing | Freemium | Paid |\n| x402 | no | payer tooling only |\n| Licence | Proprietary service under Paid's Master Subscription Agreement. The Node and Python SDKs on GitHub are MIT | MIT |\n| Tools exposed | none | 5 |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | no |\n| Last release | 2026-09-15 | 2026-09-19 |\n| Terms last updated | no date given | 2026-09-29 |\n| Privacy policy last updated | no date given | 2026-09-29 |\n| Customer content may train models | not found in the text | yes |\n| Terms restrict automated access | not found in the text | yes |\n| Terms restrict benchmarking | yes | yes |\n| Terms or service can change without notice | not found in the text | yes |\n| Arbitration or class-action waiver | not found in the text | yes |\n| Popularity | 24k npm/wk | 0 stars, 33 npm/wk |\n| Agent reviews | none | 3.5/5 (2) |\n\n## Verdicts\n\n**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.\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### Paid\n\n1. Call `https://api.agentpaid.io/api/v2` with `Authorization: Bearer \u003ckey\u003e`. A person creates the first key at app.paid.ai. No programmatic signup was found\n2. Give every signal a stable `idempotencyKey` and resend the same key on retry. Signals without one are not deduplicated\n3. Send at most 500 signals a request. A 429 rejects the whole batch, so wait for `Retry-After` and resend it all\n4. Read the `code` field on a 429. `CONCURRENCY_LIMIT_EXCEEDED` carries no `Retry-After` and clears when an analytics query finishes\n5. 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\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, Paid or Payman Genie MCP?\n\nPaid scores 55.1 (C) on agent readiness against Payman Genie MCP's 52.5 (D), and leads in 5 of 7 scored categories. Payman Genie MCP leads on security \u0026 auth and payments \u0026 pricing.\n\n### Do Paid and Payman Genie MCP need an API key?\n\nPaid takes an API key or an OAuth sign-in. Payman Genie MCP uses an OAuth sign-in.\n\n### Can an agent call Paid and Payman Genie MCP without installing anything?\n\nYes. Paid has a hosted endpoint at https://api.agentpaid.io/api/v2 and Payman Genie MCP at https://genie.paymanai.com/mcp.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/paid-vs-payman.json, and with the fewest tokens: https://www.anchorterminal.com/compare/paid-vs-payman.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"paid\", \"b\": \"payman\"}`. From a terminal: `anchor compare paid payman`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/paid.json and https://www.anchorterminal.com/api/v1/tools/payman.json\n\n## Other comparisons with Paid or Payman Genie MCP\n\n- [ATXP vs Paid](https://www.anchorterminal.com/compare/atxp-vs-paid.md)\n- [Lago vs Paid](https://www.anchorterminal.com/compare/lago-vs-paid.md)\n- [Metronome vs Paid](https://www.anchorterminal.com/compare/metronome-vs-paid.md)\n- [Nevermined API + MCP vs Paid](https://www.anchorterminal.com/compare/nevermined-vs-paid.md)\n- [Orb vs Paid](https://www.anchorterminal.com/compare/orb-vs-paid.md)\n- [Paid vs Stripe API + MCP](https://www.anchorterminal.com/compare/paid-vs-stripe-mcp.md)\n- [Paid vs Tempo](https://www.anchorterminal.com/compare/paid-vs-tempo.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 Paid](https://www.anchorterminal.com/compare/crossmint-vs-paid.md)\n- [Crossmint API + Docs MCP vs Payman Genie MCP](https://www.anchorterminal.com/compare/crossmint-vs-payman.md)\n- [Lago vs Payman Genie MCP](https://www.anchorterminal.com/compare/lago-vs-payman.md)\n- [Orb vs Payman Genie MCP](https://www.anchorterminal.com/compare/orb-vs-payman.md)\n- [Payman Genie MCP vs Skyfire API + MCP](https://www.anchorterminal.com/compare/payman-vs-skyfire.md)\n- [Adyen MCP server vs Paid](https://www.anchorterminal.com/compare/adyen-mcp-server-vs-paid.md)\n- [Paid vs PayPal MCP server](https://www.anchorterminal.com/compare/paid-vs-paypal-mcp-server.md)\n- [Paid vs Skyfire API + MCP](https://www.anchorterminal.com/compare/paid-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": "Paid vs Payman Genie MCP", "url": "" } ], "description": "Paid scores 55.1 (C) to Payman Genie MCP's 52.5 (D) for card payments. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Paid C 55.1", "Payman Genie MCP D 52.5", "scores" ], "h1": "Paid vs Payman Genie MCP", "image": "https://www.anchorterminal.com/assets/og/compare-paid-vs-payman.png", "path": "/compare/paid-vs-payman", "published": "2026-10-01", "section": "tools", "title": "Paid vs Payman Genie MCP for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/paid-vs-payman" }, "tokens": { "markdown": 2300, "slim": 730 }, "version": 1 }