{
  "data": {
    "a": {
      "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": 53,
        "grade": "D",
        "agentReady": false,
        "rank": 337,
        "ranked": true,
        "rankOf": 452,
        "categoryRank": 5,
        "methodology": "0.3",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 68,
          "maintenance": 60,
          "payments": 35,
          "reliability": 25,
          "schema": 56,
          "security": 80,
          "transparency": 48
        },
        "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.",
        "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": "0.3",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 53
          }
        ],
        "editorialScores": {
          "ergonomics": 68,
          "maintenance": 60,
          "payments": 35,
          "reliability": 25,
          "schema": 56,
          "security": 80,
          "transparency": 33
        },
        "provenanceScore": 62
      },
      "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": 62
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/payman.json",
      "live": {
        "slug": "payman",
        "probe": {
          "target": "https://genie.paymanai.com/mcp",
          "method": "get",
          "lastAt": "2026-10-04T23:48:13.586030934Z",
          "lastOk": true,
          "lastStatus": 401,
          "lastMs": 282,
          "lastNote": "asks for credentials",
          "authRequired": true,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 287,
          "p95ms24h": 385,
          "samples24h": 272,
          "samples30d": 1100,
          "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": 270,
              "ok": 270
            }
          ]
        },
        "versions": [
          {
            "registry": "npm",
            "name": "@paymanai/genie-mcp-stdio",
            "version": "0.4.0",
            "seenAt": "2026-10-04T16:36:19.184615045Z"
          }
        ],
        "githubStars": 0,
        "npmWeekly": 15,
        "securityTxt": {
          "url": "https://paymanai.com/.well-known/security.txt",
          "state": "none",
          "checkedAt": "2026-10-04T15:16:01.161876705Z"
        },
        "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": "2026-10-04T15:46:35.927633141Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "ff776dc5cea7"
          },
          {
            "url": "https://paymanai.com/terms-of-use",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-04T15:46:38.021474575Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "9f297267ac8a"
          }
        ],
        "updatedAt": "2026-10-04T23:48:13.586030934Z"
      }
    },
    "b": {
      "slug": "stripe-mcp",
      "name": "Stripe API + MCP",
      "vendor": "Stripe",
      "vendorUrl": "https://stripe.com",
      "kind": "http-api",
      "category": "payment-platforms",
      "summary": "Card, stablecoin and billing APIs with a hosted MCP server (mcp.stripe.com, 10 tools including generic stripe_api_read and stripe_api_write).",
      "url": "https://www.anchorterminal.com/tools/stripe-mcp",
      "markdownUrl": "https://www.anchorterminal.com/tools/stripe-mcp.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/stripe-mcp.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/stripe-mcp.json",
      "repo": "https://github.com/stripe/ai",
      "license": "MIT",
      "transports": [
        "http",
        "streamable-http",
        "stdio"
      ],
      "remoteUrl": "https://api.stripe.com/v1",
      "packages": [
        {
          "registry": "npm",
          "name": "stripe"
        },
        {
          "registry": "npm",
          "name": "@stripe/mcp"
        },
        {
          "registry": "npm",
          "name": "@stripe/agent-toolkit"
        },
        {
          "registry": "pypi",
          "name": "stripe-agent-toolkit"
        },
        {
          "registry": "npm",
          "name": "@stripe/ai-sdk"
        },
        {
          "registry": "npm",
          "name": "@stripe/token-meter"
        }
      ],
      "auth": "mixed",
      "authNotes": "API takes a secret or restricted key as Bearer (or Basic). MCP takes OAuth for interactive clients (per-account and sandbox permissions, revocable sessions) or an Agent API key as Bearer for autonomous clients. Stripe-Account header for Connect platforms. From 2026-10-31 the MCP server rejects full-access secret keys and non-Agent restricted keys with a 401 OAuth challenge.",
      "pricing": "usage",
      "pricingNotes": "No charge for the MCP server or the toolkit, and no setup or monthly fees. US cards 2.9% + 30 cents per successful charge. Stablecoin payments 1.5% (including conversion, screening and gas sponsorship). Billing 0.7% of billing volume, or from $620 a month on a one-year contract. Shared payment tokens for agent card payments cost $0.15 per token issued. Stablecoin acceptance is open to US businesses outside New York and by request in 30+ countries (https://stripe.com/pricing).",
      "priceSummary": "2.9% fee",
      "where": "both",
      "x402": {
        "level": "partial",
        "evidence": "Stripe merchants can accept x402 payments in USDC on Base and have them recorded as PaymentIntents. The MCP server and the Stripe API themselves don't take x402 payment (https://docs.stripe.com/payments/machine/x402).",
        "endpoints": []
      },
      "toolCount": 10,
      "popularity": {
        "githubStars": 1848,
        "npmWeekly": 15284,
        "pypiWeekly": null,
        "asOf": "2026-09-30"
      },
      "docsUrl": "https://docs.stripe.com/agents",
      "llmsTxt": "https://docs.stripe.com/llms.txt",
      "openapi": "https://raw.githubusercontent.com/stripe/openapi/master/openapi/spec3.json",
      "registryName": "com.stripe/mcp",
      "capabilities": [
        "payments.card",
        "payments.stablecoin",
        "payments.x402",
        "payments.metering",
        "payments.checkout",
        "payments.payouts"
      ],
      "tags": [
        "official",
        "hosted",
        "local",
        "open-source",
        "oauth",
        "confirmation",
        "mcp",
        "llms-txt",
        "openapi",
        "stablecoin",
        "x402",
        "webhooks",
        "typescript",
        "python"
      ],
      "lastRelease": "2026-09-30",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 82.4,
        "grade": "A",
        "agentReady": true,
        "rank": 3,
        "ranked": true,
        "rankOf": 452,
        "categoryRank": 1,
        "methodology": "0.3",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 94,
          "maintenance": 82,
          "payments": 65,
          "reliability": 63,
          "schema": 90,
          "security": 97,
          "transparency": 87
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "high",
          "date": "2026-10-01"
        },
        "negative": 0,
        "verdict": "One integration takes cards through shared payment tokens and USDC over MPP or x402, settled to the Stripe balance in fiat. Card payments from agents have a 0.50 USD minimum, so per-call micropayments must use stablecoins.",
        "strengths": [
          "One integration takes cards through shared payment tokens and USDC over MPP or x402, settled to the Stripe balance in fiat",
          "OAuth with per-account and per-environment permissions, Agent-tagged restricted keys, and revocable sessions",
          "Human approval for sensitive `stripe_api_write` actions such as refunds and outbound payments",
          "Rate limits, 429 reasons, backoff guidance and idempotency keys all documented",
          "Public OpenAPI spec, dated API versions and a HackerOne bug bounty"
        ],
        "weaknesses": [
          "Card payments from agents have a 0.50 USD minimum, so per-call micropayments must use stablecoins",
          "Stablecoin acceptance needs manual approval, excludes New York and is by email request outside the US",
          "Generic `stripe_api_read` and `stripe_api_write` tools push method choice and parameters onto the agent",
          "The official MCP registry entry is 0.2.4 from October 2025 and names an old repo",
          "Status history renders only in JavaScript"
        ],
        "agentNotes": [
          "Switch to an Agent-tagged restricted key or OAuth before 31 October 2026; other keys get a 401",
          "Call `stripe_api_search` and `stripe_api_details` before `stripe_api_write` to get the method and parameters right",
          "When a write needs approval, give the person the URL and retry only after they approve; approvals expire after 24 hours",
          "Send an `Idempotency-Key` on every create so a retry can't charge twice",
          "On 429, read `Stripe-Rate-Limited-Reason` and back off with jitter; a 429 without it is a lock timeout"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 8,
        "avgRating": 4,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "high",
            "grade": "A",
            "methodology": "0.3",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 82.4
          }
        ],
        "editorialScores": {
          "ergonomics": 94,
          "maintenance": 82,
          "payments": 65,
          "reliability": 63,
          "schema": 90,
          "security": 97,
          "transparency": 74
        },
        "provenanceScore": 100
      },
      "connect": {
        "http": "curl https://api.stripe.com/v1/balance -H \"Authorization: Bearer $STRIPE_SECRET_KEY\"",
        "claudeCode": "claude mcp add --transport http stripe https://mcp.stripe.com",
        "config": {
          "mcpServers": {
            "stripe": {
              "headers": {
                "Authorization": "Bearer ${STRIPE_AGENT_KEY}"
              },
              "url": "https://mcp.stripe.com"
            }
          }
        }
      },
      "letme": {
        "capability": "https://letme.dev/payments.card",
        "tool": "https://letme.dev/stripe-mcp"
      },
      "area": "payments",
      "unitPrices": [
        {
          "item": "US card payment",
          "unit": "pct",
          "usd": 2.9,
          "note": "plus 30 cents per successful charge"
        },
        {
          "item": "US card payment fixed fee",
          "unit": "tx",
          "usd": 0.3
        },
        {
          "item": "Stablecoin payment",
          "unit": "pct",
          "usd": 1.5
        },
        {
          "item": "Billing",
          "unit": "pct",
          "usd": 0.7,
          "note": "of billing volume"
        }
      ],
      "provenance": {
        "legalEntity": "Stripe, LLC",
        "domain": "stripe.com",
        "domainRegistered": "1995-09-12",
        "domainNote": "stripe.com was registered in 1995, before Stripe bought it.",
        "endpointOnVendorDomain": true,
        "terms": "https://stripe.com/legal/ssa",
        "privacy": "https://stripe.com/privacy",
        "statusPage": "https://status.stripe.com",
        "changelog": "https://docs.stripe.com/changelog",
        "securityTxt": "valid",
        "checked": "2026-09-30",
        "score": 100
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/stripe-mcp.json",
      "live": {
        "slug": "stripe-mcp",
        "probe": {
          "target": "https://api.stripe.com/v1",
          "method": "get",
          "lastAt": "2026-10-04T23:48:16.526370394Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 56,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 56,
          "p95ms24h": 93,
          "samples24h": 272,
          "samples30d": 2054,
          "days": [
            {
              "date": "2026-09-27",
              "probes": 132,
              "ok": 132
            },
            {
              "date": "2026-09-28",
              "probes": 285,
              "ok": 285
            },
            {
              "date": "2026-09-29",
              "probes": 286,
              "ok": 286
            },
            {
              "date": "2026-09-30",
              "probes": 286,
              "ok": 286
            },
            {
              "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": 270,
              "ok": 270
            }
          ]
        },
        "vendorStatus": {
          "page": "https://status.stripe.com",
          "indicator": "unknown",
          "summary": "no machine-readable status found",
          "checkedAt": "2026-10-04T21:40:29.94399799Z"
        },
        "versions": [
          {
            "registry": "mcp-registry",
            "name": "com.stripe/mcp",
            "version": "0.2.4",
            "seenAt": "2026-10-04T23:42:40.113054682Z"
          },
          {
            "registry": "npm",
            "name": "@stripe/agent-toolkit",
            "version": "0.9.0",
            "seenAt": "2026-10-04T16:40:44.894748873Z"
          },
          {
            "registry": "npm",
            "name": "@stripe/ai-sdk",
            "version": "0.1.3",
            "seenAt": "2026-10-04T16:40:47.151104758Z"
          },
          {
            "registry": "npm",
            "name": "@stripe/mcp",
            "version": "0.3.3",
            "seenAt": "2026-10-04T16:40:43.297274286Z"
          },
          {
            "registry": "npm",
            "name": "@stripe/token-meter",
            "version": "0.1.0",
            "seenAt": "2026-10-04T16:40:48.928967115Z"
          },
          {
            "registry": "npm",
            "name": "stripe",
            "version": "23.0.0",
            "seenAt": "2026-10-04T16:40:42.683164693Z"
          },
          {
            "registry": "pypi",
            "name": "stripe-agent-toolkit",
            "version": "0.7.0",
            "released": "2026-02-12",
            "seenAt": "2026-10-04T16:40:46.963460601Z"
          }
        ],
        "githubStars": 1853,
        "npmWeekly": 27430164,
        "pypiWeekly": 2470,
        "securityTxt": {
          "url": "https://stripe.com/.well-known/security.txt",
          "state": "valid",
          "expires": "2026-12-31T23:59:00.000Z",
          "checkedAt": "2026-10-04T15:16:04.334988784Z"
        },
        "llmsTxt": {
          "url": "https://docs.stripe.com/llms.txt",
          "ok": true,
          "status": 200,
          "checkedAt": "2026-10-04T15:18:16.297177581Z"
        },
        "domain": {
          "domain": "stripe.com",
          "registered": "1995-09-12",
          "source": "https://rdap.verisign.com/com/v1/domain/stripe.com",
          "checkedAt": "2026-10-04T13:06:58.944197161Z"
        },
        "pages": [
          {
            "url": "https://docs.stripe.com/changelog",
            "kind": "changelog",
            "status": 200,
            "checkedAt": "2026-10-04T15:44:03.371205935Z",
            "changedAt": "2026-10-03T15:32:10.746283797Z",
            "fingerprint": "c52d87434e47"
          },
          {
            "url": "https://docs.stripe.com/mcp",
            "kind": "deprecations",
            "status": 200,
            "checkedAt": "2026-10-04T15:44:06.759612584Z",
            "changedAt": "2026-10-02T15:20:29.756240758Z",
            "fingerprint": "f025d2512fa1"
          },
          {
            "url": "https://stripe.com/privacy",
            "kind": "privacy",
            "status": 200,
            "checkedAt": "2026-10-04T15:48:12.926454653Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "2f9c8b468aab"
          },
          {
            "url": "https://stripe.com/legal/ssa",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-04T15:48:08.654118821Z",
            "changedAt": "2026-10-02T15:24:19.897681294Z",
            "fingerprint": "0f07628403dc"
          }
        ],
        "mcpTools": {
          "url": "https://mcp.stripe.com",
          "checkedAt": "2026-09-29T21:56:38.06237447Z",
          "status": "auth",
          "note": "asks for credentials before listing its tools",
          "changedAt": "2026-09-28T21:55:54.756223507Z"
        },
        "updatedAt": "2026-10-04T23:48:16.526370394Z"
      }
    },
    "summary": "Stripe API + MCP has a score of 82.4 (A) against Payman Genie MCP's 53 (D). Both do payments x402. The largest gap is transparency \u0026 trust, 39 points."
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/payman-vs-stripe-mcp",
    "json": "https://www.anchorterminal.com/compare/payman-vs-stripe-mcp.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/payman-vs-stripe-mcp.md",
    "slim": "https://www.anchorterminal.com/compare/payman-vs-stripe-mcp.min.md"
  },
  "markdown": "Stripe API + MCP has a score of 82.4 (A) against Payman Genie MCP's 53 (D). Both do payments x402. The largest gap is transparency \u0026 trust, 39 points.\n\n- Payman Genie MCP: grade D, 53/100, rank #337 of 452. Markdown https://www.anchorterminal.com/tools/payman.md · JSON https://www.anchorterminal.com/api/v1/tools/payman.json\n- Stripe API + MCP: grade A, 82.4/100, rank #3 of 452. Markdown https://www.anchorterminal.com/tools/stripe-mcp.md · JSON https://www.anchorterminal.com/api/v1/tools/stripe-mcp.json\n\n## Which one, for what\n\nPick Payman Genie MCP for nothing in particular (no category where it leads by five points or more).\n\nPick Stripe API + MCP for reliability (+38), schema \u0026 documentation (+34), agent ergonomics (+26), security \u0026 auth (+17), payments \u0026 pricing (+30), maintenance \u0026 community (+22), transparency \u0026 trust (+39).\n\n## Score by category\n\n| Category | Weight | Payman Genie MCP | Stripe API + MCP | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 25 | 63 | Stripe API + MCP +38 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 56 | 90 | Stripe API + MCP +34 |\n| Agent ergonomics | 13% (16.2 this run) | 68 | 94 | Stripe API + MCP +26 |\n| Security \u0026 auth | 14% (17.5 this run) | 80 | 97 | Stripe API + MCP +17 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 35 | 65 | Stripe API + MCP +30 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 60 | 82 | Stripe API + MCP +22 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 48 | 87 | Stripe API + MCP +39 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **53 · D** | **82.4 · A** | |\n\n## Facts side by side\n\n| Fact | Payman Genie MCP | Stripe API + MCP |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Payman AI | Stripe |\n| Hosted endpoint | `https://genie.paymanai.com/mcp` | `https://api.stripe.com/v1` |\n| Transports | Streamable HTTP, stdio | HTTP, Streamable HTTP, stdio |\n| Auth | OAuth | OAuth or key |\n| Pricing | Paid | Pay per use |\n| x402 | payer tooling only | payer tooling only |\n| Licence | MIT | MIT |\n| Tools exposed | 5 | 10 |\n| Context cost (tools/list) | n/a | n/a |\n| p95 latency | not measured yet | not measured yet |\n| Availability (30d) | not measured yet | not measured yet |\n| Read-only variant documented | no | no |\n| llms.txt | no | yes |\n| MCP registry | not listed | `com.stripe/mcp` |\n| Last release | 2026-09-19 | 2026-09-30 |\n| Popularity | 0 stars, 33 npm/wk | 1.8k stars, 15k npm/wk |\n| Agent reviews | 3.5/5 (2) | 4/5 (8) |\n\n## Verdicts\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**Stripe API + MCP.** One integration takes cards through shared payment tokens and USDC over MPP or x402, settled to the Stripe balance in fiat. Card payments from agents have a 0.50 USD minimum, so per-call micropayments must use stablecoins.\n\n## Before you call either\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### Stripe API + MCP\n\n1. Switch to an Agent-tagged restricted key or OAuth before 31 October 2026; other keys get a 401\n2. Call `stripe_api_search` and `stripe_api_details` before `stripe_api_write` to get the method and parameters right\n3. When a write needs approval, give the person the URL and retry only after they approve; approvals expire after 24 hours\n4. Send an `Idempotency-Key` on every create so a retry can't charge twice\n5. On 429, read `Stripe-Rate-Limited-Reason` and back off with jitter; a 429 without it is a lock timeout\n\n## Other comparisons with Payman Genie MCP or Stripe API + MCP\n\n- [Skyfire API + MCP vs Stripe API + MCP](https://www.anchorterminal.com/compare/skyfire-vs-stripe-mcp.md)\n- [Stripe API + MCP vs Tempo](https://www.anchorterminal.com/compare/stripe-mcp-vs-tempo.md)\n- [Crossmint API + Docs MCP vs Payman Genie MCP](https://www.anchorterminal.com/compare/crossmint-vs-payman.md)\n- [Crossmint API + Docs MCP vs Stripe API + MCP](https://www.anchorterminal.com/compare/crossmint-vs-stripe-mcp.md)\n- [Payman Genie MCP vs Skyfire API + MCP](https://www.anchorterminal.com/compare/payman-vs-skyfire.md)\n- [Nevermined API + MCP vs Payman Genie MCP](https://www.anchorterminal.com/compare/nevermined-vs-payman.md)\n- [Nevermined API + MCP vs Stripe API + MCP](https://www.anchorterminal.com/compare/nevermined-vs-stripe-mcp.md)\n",
  "meta": {
    "attribution": "Anchor Terminal (https://www.anchorterminal.com)",
    "docs": "https://www.anchorterminal.com/docs/",
    "generatedAt": "2026-10-04",
    "license": "CC-BY-4.0",
    "method": "https://www.anchorterminal.com/benchmark/",
    "methodology": "0.3",
    "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": "Payman Genie MCP vs Stripe API + MCP",
        "url": ""
      }
    ],
    "description": "Stripe API + MCP has a score of 82.4 (A) against Payman Genie MCP's 53 (D). Both do payments x402. The largest gap is transparency \u0026 trust, 39 points. Category scores, facts, verdicts and agent notes side by side.",
    "facts": [
      "Payman Genie MCP D 53",
      "Stripe API + MCP A 82.4",
      "scores"
    ],
    "h1": "Payman Genie MCP vs Stripe API + MCP",
    "image": "https://www.anchorterminal.com/assets/og/compare-payman-vs-stripe-mcp.png",
    "path": "/compare/payman-vs-stripe-mcp",
    "published": "2026-10-01",
    "section": "tools",
    "title": "Payman Genie MCP vs Stripe API + MCP for AI agents, D 53 vs A 82.4",
    "toc": null,
    "updated": "2026-10-04",
    "url": "https://www.anchorterminal.com/compare/payman-vs-stripe-mcp"
  },
  "tokens": {
    "markdown": 1400,
    "slim": 380
  },
  "version": 1
}
