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payments.txt

payments.txt is an open standard that makes your payment profile readable by AI agents and autonomous billing systems. Think of it as robots.txt or llms.txt — but instead of telling crawlers what to skip or giving LLMs context, it tells agents exactly how to pay you. Every PayRequest page generates one automatically. No setup required.
Auto-generated. Fill in your wallet address and business details in PayRequest settings — your payments.txt is live instantly at payrequest.me/yourhandle/payments.txt.

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What it looks like

# PAYMENTS.TXT MANIFEST (X402 COMPLIANT)
# Generated by PayRequest.me for @yourhandle

[meta]
version                  = "1.0"
status                   = "active"
x402_discovery_url       = "https://payrequest.app/api/v1/x402/yourhandle"
x402_payment_endpoint    = "https://payrequest.app/api/v1/x402/yourhandle/pay"

[payment_terms]
due_days                 = 14
late_fee_percentage      = 2.0
preferred_fiat           = "EUR"
preferred_crypto         = "USDC"

[crypto_rails]
supported_standards      = ["EVM", "Solana"]
primary_stablecoin       = "USDC"
evm_address              = "0xYour…"
solana_address           = "YourSolana…"

[fiat_rails]
sepa_iban                = "NL…"
sepa_bic                 = "BUNQ…"

[hosted_checkout]
human_fallback_url       = "https://payrequest.me/yourhandle"
Only sections with data are included — if you haven’t connected a Solana wallet, the solana_address line won’t appear.

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What gets included

Crypto wallets

Your EVM address (Base / Ethereum) and Solana address from Provider Settings. Only included if you’ve connected them.

Bank details

IBAN and BIC from your Business Details. Agents can use these for SEPA bank transfers.

Payment terms

Default due days and late fee percentage. Agents use these when creating invoices on your behalf.

X402 endpoints

Machine-payment URLs so agents can pay invoices autonomously via the X402 protocol — no human checkout needed.

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Your manifest URL

Your payments.txt is always at: 
https://payrequest.me/yourhandle/payments.txt
Replace yourhandle with your PayRequest handle (the one in payrequest.me/yourhandle).
You can check what your manifest looks like right now by visiting that URL in your browser. It’s public and human-readable.

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HTML discovery tag

Your payment page automatically includes a <link> tag in its <head> so agents parsing your page HTML can find the manifest without guessing: 
<link rel="payments" type="text/plain"
      href="https://payrequest.me/yourhandle/payments.txt">

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How agents use it

When an AI agent needs to pay you — for an invoice, a product, or API access — it can:
  1. Read your payments.txt to discover your wallets and preferred payment method
  2. Check your x402_payment_endpoint for autonomous USDC payment (see X402 Autonomous Payments)
  3. Fall back to human_fallback_url if it needs a human to complete the payment

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Keeping it up to date

Your manifest is generated live from your PayRequest account data. To update it:
  • Change your EVM wallet — go to Provider Settings → Crypto (USDC) → Connect Wallet
  • Add a Solana wallet — Provider Settings → Solana (pump.fun)
  • Update your IBAN — Business Settings → Business Details → IBAN / BIC
  • Change your currency — Business Settings → Business Details → Default Currency
Changes appear in your manifest immediately — no cache to clear.

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Open standard

payments.txt is an open standard. The full specification and implementation guides for PHP, Node.js, and other platforms are on GitHub:

PayRequest/payments-txt on GitHub

Full spec, format reference, and implementation guides. MIT licensed — free to implement on any platform.