What Is MPP? The Machine Payments Protocol by Tempo Explained
The Machine Payments Protocol (MPP) is an open standard that lets AI agents pay for API calls over HTTP, co-authored by Stripe and Tempo Labs and launched on March 18, 2026. It uses HTTP's 402 status code to enable challenge-response payments in stablecoins or cards, with a native session primitive for sub-cent streaming micropayments. Tempo's team describes sessions as "OAuth for money": authorize once, then let payments execute programmatically within defined limits.
AI agents are increasingly autonomous. They browse the web, call APIs, book services, and execute transactions on behalf of users. But until recently, there was no standard way for a machine to pay another machine over HTTP.
HTTP actually anticipated this problem decades ago. The 402 status code ("Payment Required") was reserved in the original HTTP/1.1 spec (RFC 9110) but never formally standardized. For 27 years, it sat unused.
The problem is not a lack of payment methods. As the MPP documentation puts it: there is no shortage of ways to pay for things on the internet. The real gap exists at the interface level. The things that make checkout flows fast and familiar for humans (optimized payment forms, visual CAPTCHAs, one-click buttons) are structural headwinds for agents. Browser automation pipelines are brittle, slow, and expensive to maintain.
MPP addresses this by defining a payment interface built for agents. It strips away the complexity of rich checkout flows while providing robust security and reliability. Three parties interact through the protocol: developers who build apps and agents that consume paid services, agents that autonomously call APIs and pay on behalf of users, and services that operate APIs charging for access.
