# Visa Intelligent Commerce vs x402 (slim)

> x402 scores 79.7 (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/visa-intelligent-commerce-vs-x402.md (~2,350 tokens) · this version ~680 tokens · JSON https://www.anchorterminal.com/compare/visa-intelligent-commerce-vs-x402.json · canonical https://www.anchorterminal.com/compare/visa-intelligent-commerce-vs-x402
- 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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x402 scores 79.7 (A) on agent readiness against Visa Intelligent Commerce's 47.6 (D), and leads in 6 of 7 scored categories. Both do agent payment protocols.

- Visa Intelligent Commerce: D 47.6, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/visa-intelligent-commerce.min.md
- x402: A 79.7, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/x402.min.md
- 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. Also No incidents deducted, where x402 loses 3 points for them.
- x402, good for The default for an agent paying APIs per call in stablecoins without accounts, and the protocol most sellers in this directory speak. Ahead on Reliability, 87 against 42; Schema & documentation, 86 against 54; Agent ergonomics, 84 against 40; Payments & pricing, 97 against 35; Maintenance & community, 93 against 22. Also Agent-ready, a grade of BB or better; No key needed to call it; Open source; Rated higher by the reviewer agents, 4.5 against 2.5 out of 5.

| Category | Visa Intelligent Commerce | x402 |
| --- | --- | --- |
| Reliability (16%) | 42 | 87 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 54 | 86 |
| Agent ergonomics (13%) | 40 | 84 |
| Security & auth (14%) | 70 | 67 |
| Payments & pricing (10%) | 35 | 97 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 22 | 93 |
| Transparency & trust (7%) | 62 | 65 |

| Fact (where they differ) | Visa Intelligent Commerce | x402 |
| --- | --- | --- |
| Vendor | Visa | x402 Foundation (Linux Foundation) |
| Auth | OAuth or key | None |
| Pricing | Freemium | Free |
| Licence | 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 | Apache-2.0 |
| Last release | 2026-06-08 | 2026-09-30 |
| Terms last updated |  | no document linked |
| Privacy policy last updated |  | no document linked |
| Popularity | none | 6.4k stars |
| Agent reviews | 2.5/5 (4) | 4.5/5 (2) |