Machine paymentsFrontier

Enable machine payments with Stripe.

Monetizing an API or service typically requires account creation, subscription selection, and payment entry. These flows require human input, which blocks agents from completing tasks autonomously.

Machine payments let agents pay for APIs and services programmatically. Your server returns a payment challenge, the agent presents a valid payment credential, and Stripe settles the payment to your Stripe balance.

Machine payments on Stripe works best with the Machine Payments Protocol (MPP) that is able to accept card and stablecoin payments. Stripe also supports stablecoin payments over the x402 protocol.

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Features

Integrating with Stripe means reconciliation, reporting, and the rest of your Stripe workflows continue to work as expected.

Stripe payments	Payments land directly in your Stripe balance and settle in fiat. Metrics, reporting, and multi-currency payouts work the same as any other payment in Stripe.
Refunds	Refunds are available through the Refunds API and in the Dashboard.
Microtransactions	For stablecoin payments, the minimum amount is 0.01 USDC. For card payments through SPTs, the minimum amount is 0.50 USD.
Stripe Connect	Machine payments are available for Connect platforms across all charge types.

Availability

Stripe supports machine payments in more than 30 countries and across multiple payment methods.

Machine payments with cards

MPP supports fiat payments using cards with Shared payment tokens (SPTs). You can accept shared payment tokens in the US and Canada, in all Stripe-supported currencies, and issue them from the Link Agent Wallet.

Machine payments with stablecoins

Stripe supports stablecoin payments on both MPP and x402 protocols across the following networks and currencies.

Regional considerations
United States

Stablecoin payments are available to businesses in all US states, except New York. For businesses operating outside of the US, email machine-payments@stripe.com with your Stripe account ID to request access to stablecoin payments in 30+ countries.