{
  "atlas": "Earning Paths Atlas",
  "id": "stripe-mpp",
  "name": "Stripe Machine Payments (MPP/x402)",
  "last_verified": "2026-10-09",
  "atlas_url": "https://earningpaths.dev/platforms/stripe-mpp",
  "markdown_url": "https://earningpaths.dev/platforms/stripe-mpp.md",
  "playbook_url": null,
  "license": {
    "id": "CC-BY-4.0",
    "name": "Creative Commons Attribution 4.0 International",
    "url": "https://creativecommons.org/licenses/by/4.0/"
  },
  "disclaimer": {
    "de": "Keine Rechts- oder Steuerberatung. Fakten aus den verlinkten Quellen, Stand siehe geprueft_am; vor Entscheidungen Originalquelle prüfen.",
    "en": "No legal or tax advice. Facts from linked sources as of geprueft_am; verify the original source before acting."
  },
  "summary": {
    "id": "stripe-mpp",
    "name": "Stripe Machine Payments (MPP/x402)",
    "url": "https://docs.stripe.com/payments/machine",
    "category": "agent_payments",
    "category_label": "Agent payments",
    "summary": "Agents pay per call via HTTP 402 (MPP with card/SPT or stablecoin, x402 with USDC); settles in fiat to Stripe balance.",
    "ai_content": {
      "value": "na",
      "rule": "Not applicable (payment infrastructure).",
      "label": "N/A"
    },
    "bot_operation": {
      "value": "ja",
      "api_upload": true,
      "rule": "Built for agents: server returns 402, agent pays and retries.",
      "label": "Yes"
    },
    "human_steps": {
      "count": 2,
      "minutes": 25,
      "estimated": true,
      "steps": [
        "Create Stripe account with identity verification",
        "Outside the US: request stablecoin access by email"
      ]
    },
    "kyc": {
      "value": "required",
      "details": "Stripe account verification (ID).",
      "label": "Required"
    },
    "fees": "DE: standard EEA cards 1.5% + 0.25 EUR (premium 2.8% + 0.25 EUR); stablecoin payments 1.5% incl. conversion.",
    "payout_minimum": {
      "amount": 0.01,
      "currency": "EUR",
      "label": "0.01 EUR"
    },
    "payout_methods": [
      "Stripe payout to bank account (fiat)"
    ],
    "vat": {
      "value": "seller",
      "details": "Stripe is a payment processor, not the seller.",
      "label": "You (seller)"
    },
    "top_ban_reason": "Restricted/prohibited business types per Stripe list",
    "last_checked": "2026-10-09",
    "source": "https://docs.stripe.com/payments/machine",
    "sources_total": 8,
    "has_playbook": false,
    "has_documented_risks": false
  },
  "raw": {
    "ki_inhalte_erlaubt": {
      "wert": null,
      "regel": {
        "de": "Nicht zutreffend (Zahlungsinfrastruktur).",
        "en": "Not applicable (payment infrastructure)."
      }
    },
    "bot_bedienung": {
      "wert": "ja",
      "api_upload": true,
      "regel": {
        "de": "Für Agenten gebaut: Server antwortet mit 402, Agent zahlt und wiederholt den Aufruf.",
        "en": "Built for agents: server returns 402, agent pays and retries."
      }
    },
    "menschliche_schritte": [
      {
        "schritt": {
          "de": "Stripe-Konto mit Identitätsprüfung anlegen",
          "en": "Create Stripe account with identity verification"
        },
        "minuten": 20,
        "minuten_geschaetzt": true
      },
      {
        "schritt": {
          "de": "Außerhalb der USA: Stablecoin-Zugang per Mail beantragen",
          "en": "Outside the US: request stablecoin access by email"
        },
        "minuten": 5,
        "minuten_geschaetzt": true
      }
    ],
    "kyc": {
      "erforderlich": true,
      "details": {
        "de": "Stripe-Kontoverifizierung (Ausweis).",
        "en": "Stripe account verification (ID)."
      }
    },
    "gebuehren": {
      "de": "DE: Standard-EWR-Karten 1,5 % + 0,25 EUR (Premium 2,8 % + 0,25 EUR); Stablecoin-Zahlungen 1,5 % inkl. Umrechnung.",
      "en": "DE: standard EEA cards 1.5% + 0.25 EUR (premium 2.8% + 0.25 EUR); stablecoin payments 1.5% incl. conversion."
    },
    "mindestauszahlung": {
      "betrag": 0.01,
      "waehrung": "EUR",
      "hinweis": {
        "de": "Mindestauszahlung meist kleinste Währungseinheit, abhängig vom Bankpartner.",
        "en": "Payout minimum generally the smallest currency unit, depends on bank partner."
      }
    },
    "auszahlungswege": [
      "Stripe-Auszahlung aufs Bankkonto (Fiat)"
    ],
    "wer_macht_ust": {
      "merchant_of_record": false,
      "details": {
        "de": "Stripe ist Zahlungsdienstleister, nicht Verkäufer.",
        "en": "Stripe is a payment processor, not the seller."
      }
    },
    "laender_einschraenkungen": {
      "de_moeglich": "bedingt",
      "details": {
        "de": "Stablecoins für Unternehmen außerhalb der USA nur auf Antrag (30+ Länder); SPT-Karten laut Länderliste.",
        "en": "Stablecoins outside the US only on request (30+ countries); card SPTs per supported-country list."
      }
    },
    "bekannte_sperrgruende": [
      {
        "de": "Eingeschränkte/verbotene Geschäftsarten laut Stripe-Liste",
        "en": "Restricted/prohibited business types per Stripe list"
      },
      {
        "de": "Fehlende oder fehlgeschlagene Kontoverifizierung",
        "en": "Missing or failed account verification"
      }
    ],
    "quellen": [
      "https://docs.stripe.com/payments/machine",
      "https://docs.stripe.com/payments/machine/mpp",
      "https://docs.stripe.com/payments/machine/x402",
      "https://docs.stripe.com/agentic-commerce/monetize-mcp",
      "https://stripe.com/de/pricing",
      "https://stripe.com/pricing",
      "https://docs.stripe.com/payouts?locale=de-DE",
      "https://stripe.com/legal/restricted-businesses"
    ],
    "geprueft_am": "2026-10-09",
    "hinweise": {
      "de": "Minimum je Zahlung: 0,50 USD per Karte (SPT), 0,01 USDC per Stablecoin. Stablecoin-Gebühr hier nicht belegt.",
      "en": "Minimum per payment: 0.50 USD by card (SPT), 0.01 USDC by stablecoin. Stablecoin fee not documented here."
    },
    "id": "stripe-mpp",
    "name": "Stripe Machine Payments (MPP/x402)",
    "kategorie": "agent_payments",
    "url": "https://docs.stripe.com/payments/machine",
    "kurzbeschreibung": {
      "de": "Agenten zahlen pro Aufruf per HTTP 402 (MPP mit Karte/SPT oder Stablecoin, x402 mit USDC); Auszahlung in Fiat aufs Stripe-Guthaben.",
      "en": "Agents pay per call via HTTP 402 (MPP with card/SPT or stablecoin, x402 with USDC); settles in fiat to Stripe balance."
    },
    "nicht_zutreffend": [
      "ki_inhalte_erlaubt"
    ],
    "notes": {}
  }
}