Pricing

Transaction fee

402.md charges a 5% fee on every transaction.

Payment	Merchant receives	402.md fee
$1.00	$0.95	$0.05
$10.00	$9.50	$0.50
$49.00	$46.55	$2.45
$100.00	$95.00	$5.00

No other fees

No setup fees
No monthly fees
No minimum transaction amounts
No hidden costs

Settlement minimum

Settlements have a $10 default minimum. Transactions accumulate until the threshold is reached, then settle in a single USDC transfer. This minimizes gas costs for small payments.

Gas fees

USDC transfers on Base cost less than $0.01 in gas. 402.md covers gas fees for settlement transfers to merchants.

Testnet

Base Sepolia testnet is free — no real USDC is used. Use it for development and testing:

const gateway = create402Gateway({
  apiKey: process.env.FOUROHTWOM_API_KEY!,
  apiBaseUrl: 'https://api-testnet.402.md'
})

Comparison

	402.md	Stripe	PayPal
Fee	5%	2.9% + $0.30	2.9% + $0.30
Chargebacks	None	Yes	Yes
Settlement	0-72h	2-7 days	1-3 days
Agent-compatible	Yes (x402)	Partial (ACP)	No
Micropayments	$0.01+ viable	$0.30 minimum effective	$0.30 minimum effective

For micropayments under $10, 402.md is often cheaper than card processors due to no fixed per-transaction fee. A $0.05 API call costs $0.0025 in fees vs $0.30+ on Stripe.

All USDC amounts in the SDK are strings (e.g. '49.00', not 49.00). This avoids floating-point precision issues with financial amounts.