[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M6P2SMFM7WBAT263GCAT2KKF":3,"skill-same:01M6P2SMFM7WBAT263GCAT2KKF":181},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":18,"publishedAt":39,"linkOnly":40,"markdownContent":41,"markdownBody":42,"frontMatter":43,"refName":48,"commitSha":49,"skillDirectory":50,"forksCount":14,"repositoryHtmlUrl":51,"repositoryHomepageUrl":6,"ownerHtmlUrl":52,"ownerBlogUrl":6,"ownerDescription":53,"updatedAt":54,"install":55,"resources":68},"01M6P2SMFM7WBAT263GCAT2KKF","ck:payment-integration",null,"Integrate payments with SePay (VietQR), Polar (SaaS subscriptions), Stripe (global payments). Use for checkout, webhooks, QR codes, subscriptions, currency conversion, multi-provider order management, commission systems.","wojtekidd\u002Frisky","wojtekidd","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F6146254?v=4","01M6P0WHHREXD9NW313W645V9S","Wojtek Cichoń","01M6P0WHNSD5F7WCPRNKNAKHSW",0,"MIT","https:\u002F\u002Fgithub.com\u002Fwojtekidd\u002Frisky\u002Fblob\u002Fmaster\u002F.opencode\u002Fskills\u002Fpayment-integration\u002FSKILL.md",[],[19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38],"ck","payment integration","payment","integration","ck:payment integration","currency","order management","for","qr","with","multi","codes","checkout","task","subscriptions","provider","conversion","use","saas","payments","2026-11-10 10:12:30",false,"---\nname: ck:payment-integration\ndescription: Integrate payments with SePay (VietQR), Polar (SaaS subscriptions), Stripe (global payments). Use for checkout, webhooks, QR codes, subscriptions, currency conversion, multi-provider order management, commission systems.\nargument-hint: \"[provider] [task]\"\nlicense: MIT\nmetadata:\n  author: claudekit\n  version: \"2.0.0\"\n---\n\n# Payment Integration\n\nProduction-proven payment processing patterns with SePay (Vietnamese bank transfers), Polar (global SaaS monetization), and Stripe (global payment infrastructure). Includes multi-provider order management, currency conversion, commission systems, and webhook handling.\n\n## When to Use\n\nUse when implementing:\n- Payment gateway integration (checkout, processing)\n- Subscription management (trials, upgrades, billing)\n- Webhook handling (payment notifications, idempotency)\n- QR code payments (VietQR, NAPAS)\n- Usage-based billing (metering, credits)\n- Automated benefit delivery (licenses, GitHub access, Discord roles)\n- Customer portals (self-service management)\n- Bank transfer automation (Vietnamese banks)\n- Product catalogs with pricing\n- Multi-provider order management (Polar + SePay)\n- Currency conversion (USD\u002FVND with fallback chains)\n- Commission and referral systems\n- Revenue tracking and maintainer payouts\n- Discount management and cross-provider sync\n\n## Platform Selection\n\n**Choose SePay for:**\n- Vietnamese market (VND currency)\n- Bank transfer automation\n- VietQR\u002FNAPAS payments\n- Local payment methods\n- Direct bank account monitoring\n\n**Choose Polar for:**\n- Global SaaS products\n- Subscription management\n- Usage-based billing\n- Automated benefits (GitHub, Discord, licenses)\n- Merchant of Record (tax compliance)\n- Digital product sales\n\n**Choose Stripe for:**\n- Global payment infrastructure\n- Enterprise-grade payment processing\n- Connect platforms (marketplaces)\n- Billing\u002Fsubscriptions at scale\n- Custom checkout experiences\n- Payment Element integrations\n\n## Quick Reference\n\n### SePay Integration\n- **Overview & Auth**: `references\u002Fsepay\u002Foverview.md` - Platform capabilities, API\u002FOAuth2 auth, supported banks\n- **API Reference**: `references\u002Fsepay\u002Fapi.md` - Endpoints, transactions, bank accounts, virtual accounts\n- **Webhooks**: `references\u002Fsepay\u002Fwebhooks.md` - Setup, payload structure, verification, retry logic\n- **SDK Usage**: `references\u002Fsepay\u002Fsdk.md` - Node.js, PHP, Laravel implementations\n- **QR Codes**: `references\u002Fsepay\u002Fqr-codes.md` - VietQR generation, templates, integration\n- **Best Practices**: `references\u002Fsepay\u002Fbest-practices.md` - Transaction parsing, order matching, webhook handling, currency conversion, invoice generation, error handling\n\n### Polar Integration\n- **Overview & Auth**: `references\u002Fpolar\u002Foverview.md` - Platform capabilities, authentication methods, MoR concept\n- **Products & Pricing**: `references\u002Fpolar\u002Fproducts.md` - Product types, pricing models, usage-based billing\n- **Checkouts**: `references\u002Fpolar\u002Fcheckouts.md` - Checkout flows, embedded checkout, links\n- **Subscriptions**: `references\u002Fpolar\u002Fsubscriptions.md` - Lifecycle, upgrades, downgrades, trials\n- **Webhooks**: `references\u002Fpolar\u002Fwebhooks.md` - Event types, signature verification, monitoring\n- **Benefits**: `references\u002Fpolar\u002Fbenefits.md` - Automated delivery (GitHub, Discord, licenses, files)\n- **SDK Usage**: `references\u002Fpolar\u002Fsdk.md` - TypeScript, Python, PHP, Go, framework adapters\n- **Best Practices**: `references\u002Fpolar\u002Fbest-practices.md` - SDK initialization, checkout flows, webhooks, fee calculations, discount management, error handling\n\n### Multi-Provider Patterns\n- **Order Management**: `references\u002Fmulti-provider-order-management-patterns.md` - Unified order schema, currency conversion, commissions, revenue tracking, refunds, webhook idempotency\n\n### Stripe Integration\n- **Full Documentation**: https:\u002F\u002Fdocs.stripe.com\u002Fllms.txt - Complete Stripe docs for LLMs\n- **SDKs**: `references\u002Fstripe\u002Fstripe-sdks.md` - Node.js, Python, Ruby, Go, PHP, Java, .NET setup & usage\n- **Stripe.js**: `references\u002Fstripe\u002Fstripe-js.md` - Client-side Elements, Payment Element, Embedded Checkout\n- **CLI**: `references\u002Fstripe\u002Fstripe-cli.md` - Webhook testing, logs, fixtures, local development\n- **Best Practices**: `references\u002Fstripe\u002Fstripe-best-practices.md` - Integration design, API selection, Checkout vs Payment Element\n- **Upgrading**: `references\u002Fstripe\u002Fstripe-upgrade.md` - API versions, SDK upgrades, Stripe.js versioning\n- **External Docs**: https:\u002F\u002Fdocs.stripe.com\u002Fsdks | https:\u002F\u002Fdocs.stripe.com\u002Fjs | https:\u002F\u002Fdocs.stripe.com\u002Fcli\n\n### Integration Scripts\n- **SePay Webhook Verification**: `scripts\u002Fsepay-webhook-verify.js` - Verify SePay webhook authenticity\n- **Polar Webhook Verification**: `scripts\u002Fpolar-webhook-verify.js` - Verify Polar webhook signatures\n- **Checkout Helper**: `scripts\u002Fcheckout-helper.js` - Generate checkout sessions for both platforms\n\n## Implementation Workflow\n\n### SePay Implementation\n1. Load `references\u002Fsepay\u002Foverview.md` for auth setup\n2. Load `references\u002Fsepay\u002Fapi.md` or `references\u002Fsepay\u002Fsdk.md` for integration\n3. Load `references\u002Fsepay\u002Fwebhooks.md` for payment notifications\n4. Use `scripts\u002Fsepay-webhook-verify.js` for webhook verification\n5. Load `references\u002Fsepay\u002Fbest-practices.md` for production readiness\n\n### Polar Implementation\n1. Load `references\u002Fpolar\u002Foverview.md` for auth and concepts\n2. Load `references\u002Fpolar\u002Fproducts.md` for product setup\n3. Load `references\u002Fpolar\u002Fcheckouts.md` for payment flows\n4. Load `references\u002Fpolar\u002Fwebhooks.md` for event handling\n5. Use `scripts\u002Fpolar-webhook-verify.js` for webhook verification\n6. Load `references\u002Fpolar\u002Fbenefits.md` if automating delivery\n7. Load `references\u002Fpolar\u002Fbest-practices.md` for production readiness\n\n### Stripe Implementation\n1. Load `references\u002Fstripe\u002Fstripe-best-practices.md` for integration design\n2. Load `references\u002Fstripe\u002Fstripe-sdks.md` for server-side SDK setup\n3. Load `references\u002Fstripe\u002Fstripe-js.md` for client-side Elements\u002FCheckout\n4. Use `stripe listen` via CLI for local webhook testing (`references\u002Fstripe\u002Fstripe-cli.md`)\n5. Choose integration: Checkout (hosted\u002Fembedded) or Payment Element\n6. Use CheckoutSessions API for most payment flows\n7. Use Billing APIs for subscriptions (combine with Checkout)\n8. Load `references\u002Fstripe\u002Fstripe-upgrade.md` when upgrading API versions\n\n## Key Capabilities\n\n**SePay:**\n- Payment gateway (QR, bank transfer, cards)\n- Bank account monitoring with webhooks\n- Order-based virtual accounts\n- VietQR generation API\n- 44+ Vietnamese banks supported\n- Rate limit: 2 calls\u002Fsecond\n\n**Polar:**\n- Merchant of Record (global tax compliance)\n- Subscription lifecycle management\n- Usage-based billing (events, meters)\n- Automated benefits (GitHub, Discord, licenses)\n- Customer portal (self-service)\n- Multi-language SDKs\n- Rate limit: 300 req\u002Fmin\n\n**Stripe:**\n- Global payment infrastructure\n- CheckoutSessions, PaymentIntents, SetupIntents APIs\n- Billing\u002Fsubscriptions with trials, prorations\n- Connect for marketplaces\u002Fplatforms\n- Payment Element for custom UI\n- Multi-language SDKs\n\n## Instructions\n\n1. Identify platform (Vietnamese → SePay, global SaaS → Polar\u002FStripe)\n2. Load relevant references progressively\n3. Implement auth → products → checkout → webhooks → events\n4. Test in sandbox, then production\n5. Load only needed references to maintain context efficiency\n","# Payment Integration\n\nProduction-proven payment processing patterns with SePay (Vietnamese bank transfers), Polar (global SaaS monetization), and Stripe (global payment infrastructure). Includes multi-provider order management, currency conversion, commission systems, and webhook handling.\n\n## When to Use\n\nUse when implementing:\n- Payment gateway integration (checkout, processing)\n- Subscription management (trials, upgrades, billing)\n- Webhook handling (payment notifications, idempotency)\n- QR code payments (VietQR, NAPAS)\n- Usage-based billing (metering, credits)\n- Automated benefit delivery (licenses, GitHub access, Discord roles)\n- Customer portals (self-service management)\n- Bank transfer automation (Vietnamese banks)\n- Product catalogs with pricing\n- Multi-provider order management (Polar + SePay)\n- Currency conversion (USD\u002FVND with fallback chains)\n- Commission and referral systems\n- Revenue tracking and maintainer payouts\n- Discount management and cross-provider sync\n\n## Platform Selection\n\n**Choose SePay for:**\n- Vietnamese market (VND currency)\n- Bank transfer automation\n- VietQR\u002FNAPAS payments\n- Local payment methods\n- Direct bank account monitoring\n\n**Choose Polar for:**\n- Global SaaS products\n- Subscription management\n- Usage-based billing\n- Automated benefits (GitHub, Discord, licenses)\n- Merchant of Record (tax compliance)\n- Digital product sales\n\n**Choose Stripe for:**\n- Global payment infrastructure\n- Enterprise-grade payment processing\n- Connect platforms (marketplaces)\n- Billing\u002Fsubscriptions at scale\n- Custom checkout experiences\n- Payment Element integrations\n\n## Quick Reference\n\n### SePay Integration\n- **Overview & Auth**: `references\u002Fsepay\u002Foverview.md` - Platform capabilities, API\u002FOAuth2 auth, supported banks\n- **API Reference**: `references\u002Fsepay\u002Fapi.md` - Endpoints, transactions, bank accounts, virtual accounts\n- **Webhooks**: `references\u002Fsepay\u002Fwebhooks.md` - Setup, payload structure, verification, retry logic\n- **SDK Usage**: `references\u002Fsepay\u002Fsdk.md` - Node.js, PHP, Laravel implementations\n- **QR Codes**: `references\u002Fsepay\u002Fqr-codes.md` - VietQR generation, templates, integration\n- **Best Practices**: `references\u002Fsepay\u002Fbest-practices.md` - Transaction parsing, order matching, webhook handling, currency conversion, invoice generation, error handling\n\n### Polar Integration\n- **Overview & Auth**: `references\u002Fpolar\u002Foverview.md` - Platform capabilities, authentication methods, MoR concept\n- **Products & Pricing**: `references\u002Fpolar\u002Fproducts.md` - Product types, pricing models, usage-based billing\n- **Checkouts**: `references\u002Fpolar\u002Fcheckouts.md` - Checkout flows, embedded checkout, links\n- **Subscriptions**: `references\u002Fpolar\u002Fsubscriptions.md` - Lifecycle, upgrades, downgrades, trials\n- **Webhooks**: `references\u002Fpolar\u002Fwebhooks.md` - Event types, signature verification, monitoring\n- **Benefits**: `references\u002Fpolar\u002Fbenefits.md` - Automated delivery (GitHub, Discord, licenses, files)\n- **SDK Usage**: `references\u002Fpolar\u002Fsdk.md` - TypeScript, Python, PHP, Go, framework adapters\n- **Best Practices**: `references\u002Fpolar\u002Fbest-practices.md` - SDK initialization, checkout flows, webhooks, fee calculations, discount management, error handling\n\n### Multi-Provider Patterns\n- **Order Management**: `references\u002Fmulti-provider-order-management-patterns.md` - Unified order schema, currency conversion, commissions, revenue tracking, refunds, webhook idempotency\n\n### Stripe Integration\n- **Full Documentation**: https:\u002F\u002Fdocs.stripe.com\u002Fllms.txt - Complete Stripe docs for LLMs\n- **SDKs**: `references\u002Fstripe\u002Fstripe-sdks.md` - Node.js, Python, Ruby, Go, PHP, Java, .NET setup & usage\n- **Stripe.js**: `references\u002Fstripe\u002Fstripe-js.md` - Client-side Elements, Payment Element, Embedded Checkout\n- **CLI**: `references\u002Fstripe\u002Fstripe-cli.md` - Webhook testing, logs, fixtures, local development\n- **Best Practices**: `references\u002Fstripe\u002Fstripe-best-practices.md` - Integration design, API selection, Checkout vs Payment Element\n- **Upgrading**: `references\u002Fstripe\u002Fstripe-upgrade.md` - API versions, SDK upgrades, Stripe.js versioning\n- **External Docs**: https:\u002F\u002Fdocs.stripe.com\u002Fsdks | https:\u002F\u002Fdocs.stripe.com\u002Fjs | https:\u002F\u002Fdocs.stripe.com\u002Fcli\n\n### Integration Scripts\n- **SePay Webhook Verification**: `scripts\u002Fsepay-webhook-verify.js` - Verify SePay webhook authenticity\n- **Polar Webhook Verification**: `scripts\u002Fpolar-webhook-verify.js` - Verify Polar webhook signatures\n- **Checkout Helper**: `scripts\u002Fcheckout-helper.js` - Generate checkout sessions for both platforms\n\n## Implementation Workflow\n\n### SePay Implementation\n1. Load `references\u002Fsepay\u002Foverview.md` for auth setup\n2. Load `references\u002Fsepay\u002Fapi.md` or `references\u002Fsepay\u002Fsdk.md` for integration\n3. Load `references\u002Fsepay\u002Fwebhooks.md` for payment notifications\n4. Use `scripts\u002Fsepay-webhook-verify.js` for webhook verification\n5. Load `references\u002Fsepay\u002Fbest-practices.md` for production readiness\n\n### Polar Implementation\n1. Load `references\u002Fpolar\u002Foverview.md` for auth and concepts\n2. Load `references\u002Fpolar\u002Fproducts.md` for product setup\n3. Load `references\u002Fpolar\u002Fcheckouts.md` for payment flows\n4. Load `references\u002Fpolar\u002Fwebhooks.md` for event handling\n5. Use `scripts\u002Fpolar-webhook-verify.js` for webhook verification\n6. Load `references\u002Fpolar\u002Fbenefits.md` if automating delivery\n7. Load `references\u002Fpolar\u002Fbest-practices.md` for production readiness\n\n### Stripe Implementation\n1. Load `references\u002Fstripe\u002Fstripe-best-practices.md` for integration design\n2. Load `references\u002Fstripe\u002Fstripe-sdks.md` for server-side SDK setup\n3. Load `references\u002Fstripe\u002Fstripe-js.md` for client-side Elements\u002FCheckout\n4. Use `stripe listen` via CLI for local webhook testing (`references\u002Fstripe\u002Fstripe-cli.md`)\n5. Choose integration: Checkout (hosted\u002Fembedded) or Payment Element\n6. Use CheckoutSessions API for most payment flows\n7. Use Billing APIs for subscriptions (combine with Checkout)\n8. Load `references\u002Fstripe\u002Fstripe-upgrade.md` when upgrading API versions\n\n## Key Capabilities\n\n**SePay:**\n- Payment gateway (QR, bank transfer, cards)\n- Bank account monitoring with webhooks\n- Order-based virtual accounts\n- VietQR generation API\n- 44+ Vietnamese banks supported\n- Rate limit: 2 calls\u002Fsecond\n\n**Polar:**\n- Merchant of Record (global tax compliance)\n- Subscription lifecycle management\n- Usage-based billing (events, meters)\n- Automated benefits (GitHub, Discord, licenses)\n- Customer portal (self-service)\n- Multi-language SDKs\n- Rate limit: 300 req\u002Fmin\n\n**Stripe:**\n- Global payment infrastructure\n- CheckoutSessions, PaymentIntents, SetupIntents APIs\n- Billing\u002Fsubscriptions with trials, prorations\n- Connect for marketplaces\u002Fplatforms\n- Payment Element for custom UI\n- Multi-language SDKs\n\n## Instructions\n\n1. Identify platform (Vietnamese → SePay, global SaaS → Polar\u002FStripe)\n2. 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