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PayAI

PayAI is an x402 payment facilitator for AI agents and apps. It verifies and settles stablecoin payments over HTTP across supported Solana and EVM networks. Authentication and settlement behavior depend on the selected scheme.

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llms.txt
https://payai.network/llms.txt
llms-full.txt
https://payai.network/llms-full.txt
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AI and machine learning
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Interface: a documented API or declared MCP endpoint an agent can call
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2026-10-25T17:42:37.536Z
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2026-10-25T20:43:42.175Z
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Their llms.txt

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# PayAI

> PayAI is an x402 payment facilitator for AI agents and apps. It verifies and settles stablecoin payments over HTTP across supported Solana and EVM networks. Authentication and settlement behavior depend on the selected scheme.

## When to use PayAI

PayAI is an [x402](https://docs.payai.network/x402/introduction) payment facilitator. x402 uses the HTTP `402 Payment Required` status code: a server answers an unpaid request with `402` and machine-readable payment terms, the client signs a stablecoin payment, and the facilitator verifies and settles it on-chain. Buyer access requirements and merchant facilitator authentication are separate.

Reach for PayAI when you are doing any of these:

- **Charging for an API, MCP tool, or agent service per request.** Put x402 middleware in front of a route and point it at `https://facilitator.payai.network`. You get paid in USDC per call, with no signup flow for your buyers. Start at https://docs.payai.network/x402/servers/introduction.
- **Paying for a resource that returned HTTP 402.** Use an x402 client SDK; it reads the payment requirements, signs, and retries. Start at https://docs.payai.network/x402/clients/introduction.
- **Discovering payment-enabled services.** GET https://facilitator.payai.network/discovery/resources returns the Bazaar catalog, including last-recorded payment terms and seller-declared schemas when available. Entries can persist without refresh; a listing is not proof of current availability, successful settlement or service quality. Inspect lastUpdated, then obtain current requirements from the provider before paying. See https://docs.payai.network/x402/facilitators/bazaar.
- **Settling agent payments on supported networks.** PayAI supports Solana and EVM payment kinds. Sponsored Solana flows can cover the payer's transaction fee; setup and service costs are separate.
- **Checking which chains and schemes are live** before advertising payment terms: `GET https://facilitator.payai.network/supported`.
- **Testing an x402 integration end to end** against a real merchant that returns 402: https://x402.payai.network.

PayAI's facilitator verifies and settles supported stablecoin payment operations. It does not itself provide card acquiring, fiat bank payouts or a subscription scheduler. Human checkout can use x402 too. Channel schemes can involve funded on-chain escrow and a separate payout lifecycle; review their custody and recovery model rather than assuming every operation is an immediate wallet-to-wallet transfer.

PayAI's facilitator fee is per settlement, never a percentage of the amount moved. You start with 1,000 free credits, counted per receiving wallet. After that, $1 buys 1,000 credits ($0.001 per credit). Each settlement costs the network's on-chain gas plus 30%, paid in credits and refreshed daily from what the facilitator actually pays (usually a fraction of a cent per payment; testnets are free). Beyond the free credits, use an API key with purchased credits. C
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