Mr Max

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I've been looking at agent payments from the service provider's side how can a business verify payment before giving an AI agent access to its service?

Imagine an agent requesting access to a paid API. The provider now faces a decision: release the service based on the request, or wait until it has reliable confirmation that payment has been authorized and settled. Getting that wrong could mean providing a service without receiving payment.

This shows me the agent economy needs more than a way for agents to spend money. Businesses also need clear payment terms and a reliable way to know when payment is confirmed and access can be granted.

That's where Kite Passport's support for x402 and the Machine Payments Protocol (MPP) becomes relevant.

With x402, a service responds to an unpaid request with a 402 Payment Required message outlining its terms. The agent uses an approved Passport spending session to authorize payment, then resends the request with payment information. A facilitator verifies and settles the transaction on-chain before the service responds.

MPP follows a different flow. The service issues a payment challenge, the agent submits a credential, and the provider returns a receipt. MPP can support different payment methods, including stablecoins and fiat, along with session based billing.

But payment proof is not proof of service. A transaction can settle while the result is incomplete, inaccurate, or unsuitable. Both sides still need a way to verify that the agreed service was actually delivered.

To me, that is what makes agent commerce more demanding: both parties should be able to verify what was agreed, what was paid, and what was delivered.

What should count as proof that a service has actually been delivered as agreed?

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