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.