diff --git a/mcp/payment/blockrun_base.go b/mcp/payment/blockrun_base.go
index edc27ad5..e7394f54 100644
--- a/mcp/payment/blockrun_base.go
+++ b/mcp/payment/blockrun_base.go
@@ -73,6 +73,7 @@ func NewBlockRunBaseClientWithOptions(opts ...mcp.ClientOption) mcp.AIClient {
 		mcp.WithModel(DefaultBlockRunModel),
 		mcp.WithBaseURL(DefaultBlockRunBaseURL),
 		mcp.WithTimeout(X402Timeout),
+		mcp.WithMaxRetries(1), // disable outer retry — inner x402 loop handles retries; outer retry causes duplicate payments
 	}
 	allOpts := append(baseOpts, opts...)
 	baseClient := mcp.NewClient(allOpts...).(*mcp.Client)
diff --git a/mcp/payment/blockrun_sol.go b/mcp/payment/blockrun_sol.go
index 3cad783e..95a3e75f 100644
--- a/mcp/payment/blockrun_sol.go
+++ b/mcp/payment/blockrun_sol.go
@@ -53,6 +53,7 @@ func NewBlockRunSolClientWithOptions(opts ...mcp.ClientOption) mcp.AIClient {
 		mcp.WithModel(DefaultBlockRunModel),
 		mcp.WithBaseURL(DefaultBlockRunSolURL),
 		mcp.WithTimeout(X402Timeout),
+		mcp.WithMaxRetries(1), // disable outer retry — inner x402 loop handles retries; outer retry causes duplicate payments
 	}
 	allOpts := append(baseOpts, opts...)
 	baseClient := mcp.NewClient(allOpts...).(*mcp.Client)
diff --git a/mcp/payment/claw402.go b/mcp/payment/claw402.go
index 90713f59..623d70fb 100644
--- a/mcp/payment/claw402.go
+++ b/mcp/payment/claw402.go
@@ -70,6 +70,7 @@ func NewClaw402ClientWithOptions(opts ...mcp.ClientOption) mcp.AIClient {
 		mcp.WithModel(DefaultClaw402Model),
 		mcp.WithBaseURL(DefaultClaw402URL),
 		mcp.WithTimeout(X402Timeout),
+		mcp.WithMaxRetries(1), // disable outer retry — inner x402 loop handles retries; outer retry causes duplicate payments
 	}
 	allOpts := append(baseOpts, opts...)
 	baseClient := mcp.NewClient(allOpts...).(*mcp.Client)