{
  "service": "MoneyTools x402 Pay Gateway (non-custodial)",
  "endpoint": "https://pay.moneytools.dev/v1/gateway?url=<seller x402 endpoint>&maxPrice=<USD>",
  "altHost": "https://pay.moneytools.dev/v1/gateway",
  "fee": "max(1% of the seller price, $0.001), rounded up to whole credits ($0.001 each); charged only when the seller answers 2xx to the paid request",
  "maxPriceCapUsd": 5,
  "auth": "X-API-Key: mtk_... (prepaid credits; buy at /v1/credits/buy?pack=1000)",
  "how": [
    "1. Call the gateway URL (same method/body you would send the seller) with X-API-Key. We precheck the seller's 402 (valid x402 terms, OFAC-screened payTo, price <= maxPrice).",
    "2. You get the SELLER's 402 back unchanged (PAYMENT-REQUIRED header + body). Your x402 client signs it with YOUR wallet; payTo is the seller, never us.",
    "3. Retry the same gateway URL with your X-PAYMENT / PAYMENT-SIGNATURE header. We check the authorization matches the prechecked terms, then relay your request and payment header to the seller untouched.",
    "4. Seller answers 2xx -> you get its response (+ PAYMENT-RESPONSE) and we deduct the fee from your credits. Otherwise no fee."
  ],
  "works": "Any x402 HTTP client (x402-fetch, x402-axios, x402 python) pointed at the gateway URL. EVM 'exact' (EIP-3009) USDC payments only; Solana and other schemes are refused before relay.",
  "refusals": "precheck block (bad terms or OFAC-listed payTo), price above maxPrice or the cap, non-USDC asset, target not x402 (we do not proxy free content), payment not matching the prechecked terms, duplicate payment, insufficient credits.",
  "limits": {
    "requestBodyBytes": 1048576,
    "responseBytes": 10485760,
    "sellerTimeoutSec": 30
  },
  "custody": "We never receive, hold, forward or sign funds. The agent's signed authorization pays the seller directly via the seller's facilitator. We store only a SHA-256 hash of the payment header, the seller host, amount, network, fee and HTTP status.",
  "caveat": "If the seller times out or errors after receiving a payment header, whether it settled is between you and the seller (check with /v1/verify); we do not charge our fee in that case.",
  "plan": "https://pay.moneytools.dev/v1/gateway/plan?url=<seller> (free preview: precheck + fee)",
  "mcpTool": "x402_gateway_plan",
  "terms": "https://moneytools.dev/terms/",
  "prepaidCredits": {
    "available": true,
    "what": "Pay once, skip per-call payments: buy an API key with a call balance in a single x402 payment (USDC on Base), then send header X-API-Key on any paid /v1 endpoint or MCP tool call.",
    "packs": [
      {
        "credits": 100,
        "priceUsd": "0.1",
        "perCallUsd": 0.001,
        "buy": "https://pay.moneytools.dev/v1/credits/buy?pack=100"
      },
      {
        "credits": 1000,
        "priceUsd": "1",
        "perCallUsd": 0.001,
        "buy": "https://pay.moneytools.dev/v1/credits/buy?pack=1000"
      }
    ],
    "use": "Header X-API-Key: mtk_... (or Authorization: Bearer mtk_...). 1 credit = 1 successful call on any /v1 endpoint; input errors (400) and upstream failures (5xx) are not deducted.",
    "balance": "https://pay.moneytools.dev/v1/credits (GET with X-API-Key, free)",
    "validDays": 365,
    "terms": "Key is shown once and stored by us only as a SHA-256 hash; lost keys cannot be recovered. Credits are non-refundable, non-transferable, expire 365 days after purchase. We record the paying wallet and settlement tx for support. Payments go to the MoneyTools team wallet via the PayAI facilitator."
  }
}