Xpay vs Agent Commerce Protocol MCP

In-depth architectural comparison of the Xpay and Agent Commerce Protocol MCP 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 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

Choose Agent Commerce Protocol 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 Agent Commerce Protocol MCP Details

Feature & Specification Comparison

Specification	Xpay Finance & Fintech	Agent Commerce Protocol MCP Finance & Fintech
Summary	Agentic commerce for AI agents: multi-network wallet, x402 payments, AgenC hires, 20k+ services	Agent Commerce Protocol MCP — bridges Stripe ACP + Google AP2 + Coinbase x402 for agent payments
Category & Scope	Finance & Fintech	Finance & Fintech

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

{
  "mcpServers": {
    "agent-commerce-protocol-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "@smithery/cli@latest"
      ]
    }
  }
}

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