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Where mcp-pay sits in the payment landscape

mcp-pay does not replace L402 or x402. It sits one layer up, in the MCP discovery surface, and points at whichever rail an agent is configured for. Each comparison is a full breakdown.

mcp-pay vs L402

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L402 is Lightning-shaped, with macaroons and HTTP 402. mcp-pay is MCP-shaped: one manifest can advertise an L402 endpoint alongside x402 and card.

mcp-pay vs x402 (Coinbase)

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x402 is one of the rails mcp-pay supports first. The difference is scope: x402 is the rail; mcp-pay is the discovery + manifest layer wrapping it for MCP servers.