Agentpay vs Xpay

In-depth architectural comparison of the Agentpay and Xpay MCP servers. Compare execution transports, security boundaries, tool capabilities, quality scores, and ready-to-paste client installation snippets for Claude, Cursor, Windsurf, and VS Code.

Which MCP Server Should You Choose?

A

Choose Agentpay when:

• You need dedicated capabilities in the Finance & Fintech domain.
• You prefer local stdio subprocess transport architecture.
• Your security boundary fits: No auth required (Free / Open Source).

Explore Agentpay Details

Choose Xpay when:

• You need dedicated capabilities in the Finance & Fintech domain.
• You prefer local stdio subprocess transport architecture.
• Your security boundary fits: No auth required (Free / Open Source).

Explore Xpay Details

Feature & Specification Comparison

Specification	A Agentpay Finance & Fintech	Xpay Finance & Fintech
Summary	Budget-capped x402 payments for AI agents: verifiable receipts, trust routing, 17 free tools.	Agentic commerce for AI agents: multi-network wallet, x402 payments, AgenC hires, 20k+ services
Category & Scope	Finance & Fintech	Finance & Fintech
Quality signal

Tools & Capabilities Breakdown

Ready-to-Paste Client Configurations

Paste either (or both) of these JSON server blocks into your client config file (e.g. claude_desktop_config.json or ~/.cursor/mcp.json).

{
  "mcpServers": {
    "agentpay-5": {
      "command": "npx",
      "args": [
        "-y",
        "skills"
      ]
    }
  }
}

{
  "mcpServers": {
    "xpay": {
      "command": "npx",
      "args": [
        "-y",
        "@xona-labs/xpay",
        "mcp"
      ]
    }
  }
}

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