How AI agents pay, compared

The protocols and providers that let an agent pay or get paid: what each one does, who supports it, and what it costs. Read on official pages and dated. Electra Index does not process payments.

Provider	Type	Agent protocols supported	Public fees
MMastercardMastercard Agent Pay / Agent Pay for Machines	Card network	A2AACPAP2Mastercard Agent PayMCPUCP	No public fees found
GGoogle (AP2 / UCP / Google Pay)Agent Payments Protocol (AP2) / Universal Commerce Protocol (UCP)	Agent payments	A2AAP2MCPUCPx402	No public fees found
NNeverminedNevermined x402 Facilitator	Agent payments	A2AMCPMPPx402	1% Merchant fee: stablecoin rails 2% Merchant fee: card rails 2% Buyer fee: external services $250 Premium plan Pricing page ↗ · read 02 Oct 2026
SSpongeSponge Wallet / Sponge Gateway	Wallets	MCPMPPx402	No public fees found
VVisaVisa Intelligent Commerce / Trusted Agent Protocol	Card network	MCPMPPVisa TAP	No public fees found Pricing page ↗
WWorldpayWorldpay MCP server	Payment processor	ACPMCPUCP	No public fees found
SShopifyAgentic plan / Universal Commerce Protocol (UCP), Catalog API	Commerce platform	MCPUCP	2.9% + $0.30 Agentic plan: online card rate 2.9% + $0.30 Basic: online card rate 2.7% + $0.30 Grow: online card rate 2.5% + $0.30 Advanced: online card rate + 2 more on the pricing page Pricing page ↗ · read 02 Oct 2026
CCoinbase Developer Platformx402 Facilitator / Agentic Wallets / Payments MCP / Coinbase for Agents	x402 facilitator	MCPx402	Free x402 facilitator: free tier $0.001 x402 facilitator: per transaction Pricing page ↗ · read 02 Oct 2026

Fees are the public list prices on each provider's own pricing page (mostly US rates); negotiated and regional rates differ. A protocol is listed only when the provider states support on its own page: click a protocol to open that page. No ranking, no "winner": partnerships never change what is shown.