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The facilitator is an optional but recommended service that simplifies the process of verifying and settling payments between clients (buyers) and servers (sellers).

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What is a Facilitator?

The facilitator is a service that:
  • Verifies payment payloads submitted by clients.
  • Settles payments on the blockchain on behalf of servers.
By using a facilitator, servers do not need to maintain direct blockchain connectivity or implement payment verification logic themselves. This reduces operational complexity and ensures accurate, real-time validation of transactions.

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Facilitator Responsibilities

  • Verify payments: Confirm that the client’s payment payload meets the server’s declared payment requirements.
  • Settle payments: Submit validated payments to the blockchain and monitor for confirmation.
  • Provide responses: Return verification and settlement results to the server, allowing the server to decide whether to fulfill the client’s request.
The facilitator does not hold funds or act as a custodian - it performs verification and execution of onchain transactions based on signed payloads provided by clients.

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Why Use a Facilitator?

Using a facilitator provides:
  • Reduced operational complexity: Servers do not need to interact directly with blockchain nodes.
  • Protocol consistency: Standardized verification and settlement flows across services.
  • Faster integration: Services can start accepting payments with minimal blockchain-specific development.
While it is possible to implement verification and settlement locally, using a facilitator accelerates adoption and ensures correct protocol behavior.

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Live Facilitators

Multiple facilitators are live in production, supporting various networks including Base, Solana, Polygon, Avalanche, and more. For a complete and up-to-date list, see the x402 Ecosystem.

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Interaction Flow

  1. Client makes an HTTP request to a resource server
  2. Resource server responds with a 402 Payment Required status and a Payment Required Response JSON object in the response body.
  3. Client selects one of the paymentDetails returned by the accepts field of the server response and creates a Payment Payload based on the scheme of the paymentDetails they have selected.
  4. Client sends the HTTP request with the PAYMENT-SIGNATURE header containing the Payment Payload (Base64-encoded) to the resource server
  5. Resource server verifies the Payment Payload is valid either via local verification or by POSTing the Payment Payload and Payment Details to the /verify endpoint of the facilitator server.
  6. Facilitator server performs verification of the object based on the scheme and networkId of the Payment Payload and returns a Verification Response
  7. If the Verification Response is valid, the resource server performs the work to fulfill the request. If the Verification Response is invalid, the resource server returns a 402 Payment Required status and a Payment Required Response JSON object in the response body.
  8. Resource server either settles the payment by interacting with a blockchain directly, or by POSTing the Payment Payload and Payment Details to the /settle endpoint of the facilitator server.
  9. Facilitator server submits the payment to the blockchain based on the scheme and networkId of the Payment Payload.
  10. Facilitator server waits for the payment to be confirmed on the blockchain.
  11. Facilitator server returns a Payment Execution Response to the resource server.
  12. Resource server returns a 200 OK response to the Client with the resource they requested as the body of the HTTP response, and a PAYMENT-RESPONSE header containing the Settlement Response as Base64-encoded JSON if the payment was executed successfully.

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Summary

The facilitator acts as an independent verification and settlement layer within the x402 protocol. It helps servers confirm payments and submit transactions onchain without requiring direct blockchain infrastructure. Next, explore:
  • Client / Server — understand the roles and responsibilities of clients and servers
  • HTTP 402 — understand how payment requirements are communicated to clients