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Free Tier

The free tier remains free — no strings attached.

Free

$0/month
  • Up to 1,000 settlements per month
  • No API key required
Get started immediately with zero setup. Jump to the quickstart to start building.

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Beyond the Free Tier

Beyond the free tier, pricing is simple and predictable:

Per Transaction

$0.001 per transaction
This fee is designed to cover gas and RPC costs while enabling the network to scale reliably.

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Builder friendly

At this pricing, the facilitator remains extremely builder friendly. It costs the same — even slightly less — than what merchants would otherwise pay in raw network fees and RPC costs, while preserving all the benefits of x402 for their users.

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Pricing examples

TransactionsCost
1$0.001
1,000$1
100,000$100

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Credit System

To maintain access beyond 1,000 settlements/month, merchants log into a dashboard and top up credits.
  • 1 credit = 1 settled transaction
  • Credits never expire

Top Up Credits

Log in to the merchant dashboard to manage your credits.

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Comparison

FreeBeyond Free
Monthly cost$0$0.001 per transaction
Settlements includedUp to 1,000/monthUnlimited (credit-based)
API key requiredNoYes
CreditsNot required1 credit = 1 settlement
Credit expiry—Never
Dashboard accessNot requiredmerchant.payai.network

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How to get started

  1. Follow the quickstart to start building — the free tier requires no API key
  2. When you’re ready to scale beyond 1,000 settlements/month, create a merchant account at merchant.payai.network
  3. Top up credits from the dashboard
  4. Get your API key ID and secret
  5. Set the environment variables in your server:
PAYAI_API_KEY_ID=your-key-id
PAYAI_API_KEY_SECRET=your-key-secret
If you’re using @payai/facilitator (included in all PayAI starter templates), your server will automatically authenticate with the facilitator — no code changes needed. 
import { facilitator } from "@payai/facilitator";
import { HTTPFacilitatorClient } from "@x402/core/server";

// Automatically uses API keys from environment when available
const facilitatorClient = new HTTPFacilitatorClient(facilitator);
Pricing is subject to change as PayAI continues to grow and adoption increases. For now, the focus is on sustainability at scale and building long-term value. Visit facilitator.payai.network for the latest pricing information.

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