💳 Agent Payments — Every Payment Rail for AI Agents

One skill. Every payment rail your agent needs.

• Stripe — Fiat payments, invoices, subscriptions, payment links
• Coinbase Commerce — Accept crypto (BTC, ETH, USDC) through a trusted brand
• Spraay — Batch payments to multiple recipients across 13+ chains, x402 micropayments for agent-to-agent commerce

Quick Start

Which rail do I need?

Setup

Each payment rail requires its own API key. You only need to configure the rails you use:

# Fiat payments (Stripe)
export STRIPE_SECRET_KEY="sk_live_..."

# Crypto acceptance (Coinbase Commerce)
export COINBASE_COMMERCE_API_KEY="..."

# Batch + x402 payments (Spraay)
export SPRAAY_GATEWAY_URL="https://gateway.spraay.app"

The skill works with any combination — install once, enable rails as needed.

Rail 1: Stripe (Fiat Payments)

Full Stripe integration for traditional payment processing. Your agent can charge customers, create invoices, manage subscriptions, and generate payment links.

Create a Payment (One-Time Charge)

curl -X POST https://api.stripe.com/v1/payment_intents \
  -u "$STRIPE_SECRET_KEY:" \
  -d amount=2000 \
  -d currency=usd \
  -d "payment_method_types[]"=card \
  -d description="Service payment"

Parameters:

• amount — Amount in cents (2000 = $20.00)
• currency — Three-letter ISO code (usd, eur, gbp, etc.)
• description — What the payment is for
• receipt_email — Optional, sends receipt to customer
• metadata[key] — Custom key-value pairs for your records

Create an Invoice

# Step 1: Create invoice item
curl -X POST https://api.stripe.com/v1/invoiceitems \
  -u "$STRIPE_SECRET_KEY:" \
  -d customer="cus_..." \
  -d amount=5000 \
  -d currency=usd \
  -d description="Consulting — March 2026"

# Step 2: Create and send invoice
curl -X POST https://api.stripe.com/v1/invoices \
  -u "$STRIPE_SECRET_KEY:" \
  -d customer="cus_..." \
  -d collection_method=send_invoice \
  -d days_until_due=30

# Step 3: Finalize and send
curl -X POST https://api.stripe.com/v1/invoices/{invoice_id}/finalize \
  -u "$STRIPE_SECRET_KEY:"

curl -X POST https://api.stripe.com/v1/invoices/{invoice_id}/send \
  -u "$STRIPE_SECRET_KEY:"

Create a Subscription

curl -X POST https://api.stripe.com/v1/subscriptions \
  -u "$STRIPE_SECRET_KEY:" \
  -d customer="cus_..." \
  -d "items[0][price]"="price_..." \
  -d payment_behavior=default_incomplete

Create a Payment Link

curl -X POST https://api.stripe.com/v1/payment_links \
  -u "$STRIPE_SECRET_KEY:" \
  -d "line_items[0][price]"="price_..." \
  -d "line_items[0][quantity]"=1

Check Payment Status

curl https://api.stripe.com/v1/payment_intents/{pi_id} \
  -u "$STRIPE_SECRET_KEY:"

Status values: requires_payment_method, requires_confirmation, requires_action, processing, succeeded, canceled

Refund a Payment

curl -X POST https://api.stripe.com/v1/refunds \
  -u "$STRIPE_SECRET_KEY:" \
  -d payment_intent="pi_..."

For detailed Stripe API reference, see references/stripe-rail.md.

Rail 2: Coinbase Commerce (Crypto Acceptance)

Accept cryptocurrency payments through Coinbase Commerce. Customers pay in BTC, ETH, USDC, or other supported coins. Funds settle to your Coinbase account.

Create a Charge

curl -X POST https://api.commerce.coinbase.com/charges \
  -H "Content-Type: application/json" \
  -H "X-CC-Api-Key: $COINBASE_COMMERCE_API_KEY" \
  -d '{
    "name": "Service Payment",
    "description": "Payment for consulting services",
    "pricing_type": "fixed_price",
    "local_price": {
      "amount": "100.00",
      "currency": "USD"
    },
    "metadata": {
      "customer_id": "cust_123",
      "order_id": "ord_456"
    }
  }'

Response includes:

• hosted_url — Coinbase-hosted checkout page (redirect customer here)
• addresses — Direct crypto addresses for each supported coin
• expires_at — Charge expires after 60 minutes

Check Charge Status

curl https://api.commerce.coinbase.com/charges/{charge_id} \
  -H "X-CC-Api-Key: $COINBASE_COMMERCE_API_KEY"

Status timeline: NEW → PENDING → CONFIRMED / FAILED / EXPIRED

List All Charges

curl https://api.commerce.coinbase.com/charges \
  -H "X-CC-Api-Key: $COINBASE_COMMERCE_API_KEY"

Cancel a Charge

curl -X POST https://api.commerce.coinbase.com/charges/{charge_id}/cancel \
  -H "X-CC-Api-Key: $COINBASE_COMMERCE_API_KEY"

For detailed Coinbase Commerce reference, see references/coinbase-rail.md.

Rail 3: Spraay (Batch Payments + x402 Micropayments)

Spraay is the batch payment and micropayment layer. Pay multiple recipients in a single transaction across 13+ blockchains, or use x402 micropayments for agent-to-agent commerce.

What makes Spraay unique: Neither Stripe nor Coinbase can send payments to multiple recipients at once. Spraay does this natively — pay your whole team, distribute tokens to a community, or airdrop to thousands of addresses in one transaction.

Batch Payment (Multiple Recipients)

# Pay 3 people on Base in one transaction
curl -X POST "$SPRAAY_GATEWAY_URL/api/batch" \
  -H "Content-Type: application/json" \
  -d '{
    "chain": "base",
    "token": "USDC",
    "recipients": [
      {"address": "0xAlice...", "amount": "100.00"},
      {"address": "0xBob...", "amount": "75.50"},
      {"address": "0xCharlie...", "amount": "200.00"}
    ]
  }'

Single Send

curl -X POST "$SPRAAY_GATEWAY_URL/api/send" \
  -H "Content-Type: application/json" \
  -d '{
    "chain": "base",
    "token": "USDC",
    "to": "0xRecipient...",
    "amount": "50.00"
  }'

Supported Chains (13+)

Base, Ethereum, Arbitrum, Polygon, BNB Chain, Avalanche, Unichain, Plasma, BOB, Solana, Bittensor, Stacks, Bitcoin

x402 Micropayments (Agent-to-Agent)

x402 enables pay-per-request API calls. Your agent pays fractions of a cent per call — no subscriptions, no API keys, just HTTP payments.

# Any x402-enabled endpoint — payment happens via HTTP headers
curl "$SPRAAY_GATEWAY_URL/api/ai/inference" \
  -H "Content-Type: application/json" \
  -d '{
    "model": "claude-sonnet-4-20250514",
    "prompt": "Summarize this document"
  }'

The Spraay gateway has 76+ x402 endpoints across 16 categories:

• AI Inference, Search/RAG, Communication (Email, XMTP)
• IPFS/Storage, Compliance (KYC/AML), Oracle, GPU/Compute
• RPC (7 chains), Data Reads, Bridge, Escrow, Payroll
• Wallet Provisioning, DeFi Reads, Robot Task Protocol

Bitcoin Batch Payments (PSBT)

# Prepare a Bitcoin batch transaction
curl -X POST "$SPRAAY_GATEWAY_URL/api/bitcoin/batch-prepare" \
  -H "Content-Type: application/json" \
  -d '{
    "fromAddress": "bc1q...",
    "recipients": [
      {"address": "bc1qAlice...", "amountSats": 50000},
      {"address": "bc1qBob...", "amountSats": 75000}
    ],
    "feeRate": 10
  }'

For detailed Spraay reference, see references/spraay-rail.md.

Cross-Rail Workflows

Workflow: Accept fiat, pay team in crypto

1. Customer pays via Stripe → pay stripe charge
2. Confirm payment received → pay status \x3Cstripe_pi_id>
3. Batch pay your team in USDC via Spraay → pay spraay batch

Workflow: Crypto invoice with fiat fallback

1. Create Coinbase Commerce charge → pay coinbase charge
2. If customer prefers fiat, create Stripe payment link → pay stripe link
3. Track both → pay status \x3Cid>

Workflow: Agent-to-agent service payment

1. Agent A calls Agent B's API via x402 → pay spraay x402
2. Payment settles automatically via HTTP headers
3. No invoicing, no accounts, no API keys needed

Workflow: Payroll (contractors worldwide)

1. US contractors → Stripe (ACH/direct deposit)
2. International contractors → Spraay batch (USDC on Base/Polygon)
3. One skill handles both rails

Payment Status (Universal)

Check payment status across any rail:

# Stripe payment
./scripts/pay.sh status stripe pi_1234...

# Coinbase charge
./scripts/pay.sh status coinbase charge_5678...

# Spraay transaction
./scripts/pay.sh status spraay tx_9abc...

Reference Docs

See references/ for detailed documentation on each payment rail:

• stripe-rail.md — Full Stripe API reference (PaymentIntents, Invoices, Subscriptions, Customers)
• coinbase-rail.md — Coinbase Commerce API reference (Charges, Webhooks, Checkout)
• spraay-rail.md — Spraay Protocol reference (Batch payments, x402 gateway, Bitcoin PSBT, supported chains, RTP)

Links

• Stripe Docs: https://docs.stripe.com
• Coinbase Commerce Docs: https://docs.cdp.coinbase.com/commerce
• Spraay Gateway: https://gateway.spraay.app
• Spraay Docs: https://docs.spraay.app
• GitHub: https://github.com/plagtech/agent-payments