# x402 Merchant Readiness Audit

> x402 Merchant Readiness Audit is a paid API for AI agents from api.zfinia.com, paid per call via x402, $0.025/call, status unknown (last checked 2026-10-14).

Audits up to ten x402 payment endpoints in a single call and returns a readiness verdict (ready, partially ready, or not ready) with specific blockers, including a cross-endpoint check that all endpoints pay the same recipient.

## Facts

- Endpoint: POST https://api.zfinia.com/x402/v1/x402-merchant-readiness-audit?utm_source=zero.xyz
- Price: $0.025/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/x402-merchant-readiness-audit-ce8e15ff
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_BQT7HTUuSAKu4XPdGNzXh

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability x402-merchant-readiness-audit-ce8e15ff -d '<json body>'
```

Example prompt: Can you audit these five x402 endpoints for me — https://api.example.com/data, https://api.example.com/search, https://api.example.com/report, https://api.example.com/export, https://api.example.com/analyze — and check whether they're all ready to accept payments and whether they all pay to wallet 0xAbC1234567890abcdef1234567890abcdef123456?

## When to prefer this

Choose this endpoint when you need to evaluate one or more x402 merchant endpoints for safety and correctness before integrating or paying them, especially when you want the unique cross-endpoint check that all endpoints pay to the same recipient — a check no single-endpoint probe can make. Prefer this over single-endpoint x402 decoders when auditing a full merchant surface area in one call, or when validating a merchant's consistency across their entire paid API.

## Known failure modes

- Endpoint URL is unreachable or returns a non-402 response — per-endpoint status marked as not ready
- Malformed payment challenge body — blocker reported for that endpoint
- No declared input schema on the endpoint — flagged as a specific blocker
- Mismatched recipient wallet addresses across endpoints — cross-endpoint blocker raised
- expected_pay_to address provided but doesn't match any endpoint's declared recipient — mismatch blocker returned
- More than 10 endpoints submitted — request rejected with validation error
- Invalid wallet address format in expected_pay_to — schema validation error

## How this service works

Is this merchant safe to depend on? Audits up to ten x402 endpoints in one call and returns a verdict — ready, partially ready or not ready — with the specific blockers. Checks each endpoint serves a payable challenge with well-formed terms and a declared input schema, and adds the cross-endpoint check no single probe can make: whether every endpoint pays the same recipient. Never pays anything.

## Output

Returns a top-level verdict of 'ready', 'partially ready', or 'not ready', along with per-endpoint statuses describing whether each endpoint serves a valid x402 payment challenge with well-formed terms and a declared input schema. Also includes a cross-endpoint finding indicating whether all audited endpoints pay to the same recipient wallet, and a list of specific blockers preventing readiness where applicable.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "endpoints": {
   "type": "array",
   "items": {
    "oneOf": [
     {
      "type": "string",
      "maxLength": 2048
     },
     {
      "type": "object",
      "required": [
       "url"
      ],
      "properties": {
       "url": {
        "type": "string",
        "maxLength": 2048
       },
       "body": {
        "type": "object"
       },
       "method": {
        "enum": [
         "GET",
         "POST"
        ],
        "type": "string"
       }
      },
      "additionalProperties": false
     }
    ]
   },
   "maxItems": 10,
   "minItems": 1
  },
  "expected_pay_to": {
   "type": "string",
   "pattern": "^0x[0-9a-fA-F]{40}$"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402-merchant-readiness-audit-ce8e15ff/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.zfinia.com](https://www.zero.xyz/host/api.zfinia.com/llms.txt)