{"product_id":"n8n-workflow-check-route-x402-payments-via-openai-mcp","title":"n8n Workflow: Check \u0026 Route x402 Payments via OpenAI + MCP","description":"\u003ch3\u003eCheck and route x402 (pay-per-call USDC) endpoints automatically—using OpenAI + Settled MCP\u003c\/h3\u003e\n\u003cp\u003eThis n8n workflow reads an x402 endpoint request from your n8n chat, evaluates the endpoint using \u003cstrong\u003eOpenAI\u003c\/strong\u003e decision rules, and then verifies delivery\/payability signals via \u003cstrong\u003eSettled’s MCP tools\u003c\/strong\u003e to produce a single, actionable pay\/avoid\/alternative decision.\u003c\/p\u003e\n\n\u003ch3\u003eWhat this workflow does\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003e\n\u003cstrong\u003eTriggers from n8n chat:\u003c\/strong\u003e when a message includes an x402 endpoint URL or asks to find endpoints for a job.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eInterprets the request with OpenAI:\u003c\/strong\u003e an OpenAI chat model interprets the user intent and applies the workflow’s built-in decision rules for evaluating x402 endpoints.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eVerifies status with Settled MCP:\u003c\/strong\u003e it calls Settled’s MCP tools (for example, \u003cem\u003esettled_check\u003c\/em\u003e, and when needed \u003cem\u003esettled_submit\u003c\/em\u003e) to validate endpoint status, quote details, and delivery\/payability signals based on Settled’s signed on-chain observations.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eDecides in one line:\u003c\/strong\u003e if the endpoint is risky, dead\/unknown, or has mismatched payment details, it responds with a one-line decision citing the deciding Settled field and avoids payment.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eProceeds when payability thresholds are met:\u003c\/strong\u003e if the endpoint is free, verified delivered, or meets payability and quality thresholds, it responds with a one-line decision citing the deciding Settled field and proceeds with the recommended action.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eOffers options when you ask:\u003c\/strong\u003e when given a job description instead of a specific URL, it can use tools like \u003cem\u003esettled_find_endpoints\u003c\/em\u003e (and \u003cem\u003esettled_income_venues\u003c\/em\u003e) to return relevant endpoints or venues.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eUse cases\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003eSaaS operators automating pay-per-call (x402 USDC) routing decisions from chat requests.\u003c\/li\u003e\n  \u003cli\u003eAutomation engineers building an n8n pipeline that avoids risky or mismatched x402 payment endpoints.\u003c\/li\u003e\n  \u003cli\u003eTeams needing endpoint discovery for a job, returning candidate endpoints\/venues for evaluation.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eTechnical details\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003e\n\u003cstrong\u003en8nnodes:\u003c\/strong\u003e \u003cem\u003en8nn8n-nodes-langchainchat trigger\u003c\/em\u003e, \u003cem\u003en8nn8n-nodes-langchainlm chat open ai\u003c\/em\u003e, \u003cem\u003en8nn8n-nodes-langchainmcp client tool\u003c\/em\u003e, \u003cem\u003en8nn8n-nodes-langchainagent\u003c\/em\u003e, plus a \u003cem\u003esticky note\u003c\/em\u003e.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eOpenAI integration:\u003c\/strong\u003e configure an OpenAI API credential in the OpenAI Chat Model node (or swap for another compatible chat model node).\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eSettled MCP:\u003c\/strong\u003e workflow reaches \u003cstrong\u003ehttps:\/\/settled.tools\/mcp\/free\u003c\/strong\u003e (no authentication).\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"N8N Commerce","offers":[{"title":"Default Title","offer_id":46190223327411,"sku":"N8N-20643","price":42.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0749\/6279\/6723\/files\/5RqvlAKH7CTYMZI591yYA_cldsdlbk.png?v=1791450486","url":"https:\/\/buyflowscripts.com\/products\/n8n-workflow-check-route-x402-payments-via-openai-mcp","provider":"N8N Commerce","version":"1.0","type":"link"}