Explainer · TIER_B
How does a 402 payment work?
Call, challenge, pay, retry, verify.
zFinia published 7 September 2026
The x402 HTTP transport spec states that servers signal payment with HTTP 402 and a PAYMENT-REQUIRED header, clients send PAYMENT-SIGNATURE, and servers return PAYMENT-RESPONSE. Response bodies are an implementation concern; protocol information lives in headers.
- Call the resource with a documented JSON body.
- Receive HTTP 402 if unpaid.
- Pay the exact advertised amount on the advertised rail.
- Retry the same request with proof.
- Verify the documented result schema.
Buyer-conformance bugs often come from stuffing metadata into the wrong layer. Header-valid 402 beats keyword-stuffed JSON.