# How to accept payments from AI agents

> Accept payments from AI agents with UCP product discovery, x402 USDC checkout, a ruling before settlement, safe retries and a receipt for every order.

Canonical page: https://nevarn.com/learn/accept-payments-from-ai-agents
Updated: 2026-11-01

Publish what you sell where agents can read it, and put a ruling before the money moves. With Nevarn a merchant gets a UCP business profile and catalogue an agent can search, a checkout that returns exact x402 USDC payment requirements, Decionis ruling on the exact intent before settlement, idempotent retries, and an order receipt.

## Discovery an agent can read

An enabled merchant publishes a UCP business profile at /.well-known/ucp and searchable catalogue endpoints on a tenant-specific hostname. Products carry stable identifiers and exact prices, so a compatible agent finds them without scraping a storefront.

## Checkout, ruling, settlement

The agent creates a checkout session and receives the exact x402 v2 requirements — chain, token, recipient, amount and validity window. Before settlement Nevarn sends the exact checkout intent to Decionis; in enforce mode only an allow decision bound to that intent continues, and anything else fails closed before funds move.

Every mutation carries a request ID and an idempotency key, so a retry returns the original result instead of paying twice.

## What it costs

Merchants pay 0.5% of each settled payment, with no monthly fee. Only a settled payment is charged; a refused, failed or reverted payment costs nothing.

## Where the rollout stands

The complete UCP discovery and checkout path is built and tested, but remains feature-gated and disabled by default. As of 1 Nov 2026, Nevarn does not run a live UCP merchant network, has no external merchant adoption to report, and supports payment only on configured USDC paths.

## Frequently asked questions

### How do AI agents check out and pay?

An agent creates a UCP checkout session, receives exact x402 v2 payment requirements, signs the requested USDC authorisation, and completes the same session. Nevarn verifies the signature and current chain state before settlement, then returns an order receipt.

### How does Nevarn prevent duplicate machine payments?

Every checkout mutation requires a UUID request ID and idempotency key. Nevarn stores the first result for at least 24 hours. An identical retry receives that result; reuse with a different request body or agent profile is rejected as an idempotency conflict.

### What happens when an AI payment needs human approval?

Decionis can escalate the checkout and provide a continuation URL. Nevarn keeps that checkout held and moves no funds. This controlled-rollout release deliberately rejects buyer-supplied approval signals; resuming the payment requires a future server-verified approval adapter rather than trusting a self-reported approval flag.