Use OpenAI API Without a Credit Card
If you need OpenAI-compatible API access without putting a credit card on file, 402ai.net gives you a Lightning-native payment path plus prepaid token funding via crypto topups.
Why this converts better than workarounds
Instead of creating a disposable card flow or forcing an invoicing workaround, you can fund directly through Lightning or crypto and still use the normal OpenAI-compatible API shape.
- No card-on-file billing is required for the gateway itself.
- Use L402 when you want request-by-request settlement.
- Use a prepaid token when you want lower-latency funded usage and marketplace identity.
Best for users blocked by card requirements, billing region issues, or procurement friction.
How It Works
1. Choose Payment Mode
Use L402 if you want request-by-request settlement, or top up once if you want a reusable token for SDKs, agents, and repeated calls.
2. Use One Base URL
Send requests to https://402ai.net/api/v1 from OpenAI-compatible tools like Curl, Python, Node, Aider, Cursor, and Claude Code integrations.
3. Keep It Machine-Readable
Agents can discover routes, models, and payment modes through /llms.txt, /openapi.json, and /api/v1/catalog.