Httpayer MCP vs X402 Merchant Check

In-depth architectural comparison of the Httpayer MCP and X402 Merchant Check 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?

Choose Httpayer MCP 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 Httpayer MCP Details

Choose X402 Merchant Check when:

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

Explore X402 Merchant Check Details

Feature & Specification Comparison

Specification	Httpayer MCP Finance & Fintech	X402 Merchant Check Finance & Fintech
Summary	x402 micropayments for AI agents — credits-based, no wallets, no blockchain.	Pre-payment merchant trust checks for x402 agents on Base and Solana.
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": {
    "mcp-196": {
      "command": "npx",
      "args": [
        "-y",
        "@httpayer/mcp"
      ]
    }
  }
}

{
  "mcpServers": {
    "x402-merchant-check": {
      "url": "https://gradientdecisions.com/privacy"
    }
  }
}

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