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payment-integration — Claude Code skill for payments

A skill for wiring up payments: SePay and VietQR, Polar, Stripe, Paddle, Creem.io. Useful when you need checkout, subscriptions and webhooks in one pass.

Install into Claude Code · Skills CLI (Vercel) All methods and platforms ↓
npx skills add mrgoonie/claudekit-skills --skill payment-integration -a claude-code
Open on GitHub

What payment-integration does

Five providers sit behind this skill. SePay covers Vietnamese banks, VND transfers and VietQR codes. Polar handles global SaaS subscriptions with automated benefit delivery. Stripe brings Checkout, Billing and Connect. Paddle and Creem.io act as merchant of record, so they take on tax and recurring billing; Creem.io also does device licensing.

Each provider gets its own reference set: auth, endpoints, checkout flows, subscriptions, webhooks, SDKs and production patterns. There is a separate file on unified orders and currency conversion across providers. Three scripts ship with it — scripts/sepay-webhook-verify.js, scripts/polar-webhook-verify.js and scripts/checkout-helper.js for signature checks and checkout session generation.

Rate limits shape the design. SePay allows 2 requests per second, Polar allows 300 per minute, so queue your webhooks and plan retries. If your customers are not in Vietnam, SePay is dead weight; compare Paddle and Creem.io on who absorbs tax instead.

What it helps with

  • accept a card or bank transfer and handle the webhook
  • set up a subscription with a trial and plan upgrades
  • generate a VietQR code for a VND payment
  • verify a webhook signature from SePay or Polar
  • merge orders from several providers into one record

Example prompts for the agent

  • Wire up Stripe Checkout for a one-time payment and handle the webhook
  • Create a Polar subscription with a trial and Discord access delivery
  • Generate a VietQR code for a SePay payment

How to install payment-integration

1Skills CLI (Vercel)

npx skills add mrgoonie/claudekit-skills --skill payment-integration -a claude-code

2Manually: put the files in place

~/.claude/skills/payment-integration/SKILL.md

Copy the whole skill folder; for one project use .claude/skills/payment-integration/

Step by step, with commands for each platform: How to install skills in Claude Code: five ways

Questions about payment-integration

How do I install payment-integration in Claude?

Run npx skills add mrgoonie/claudekit-skills --skill payment-integration -a claude-code. The skill lands at ~/.claude/skills/payment-integration/SKILL.md.

What does payment-integration do?

It guides the agent through payment code: checkout, subscriptions, webhooks, QR codes and licensing for SePay, Polar, Stripe, Paddle and Creem.io.

What rate limits should I expect?

SePay allows 2 requests per second and Polar allows 300 per minute. Build retries and a webhook queue around those numbers.

Source text

SKILL.md · MIT
---
name: payment-integration
description: Integrate payments with SePay (VietQR), Polar, Stripe, Paddle (MoR subscriptions), Creem.io (licensing). Checkout, webhooks, subscriptions, QR codes, multi-provider orders.
version: 2.2.0
license: MIT
---

# Payment Integration

Production-proven payment processing with SePay (Vietnamese banks), Polar (global SaaS), Stripe (global infrastructure), Paddle (MoR subscriptions), and Creem.io (MoR + licensing).

## When to Use

- Payment gateway integration (checkout, processing)
- Subscription management (trials, upgrades, billing)
- Webhook handling (notifications, idempotency)
- QR code payments (VietQR, NAPAS)
- Software licensing (device activation)
- Multi-provider order management
- Revenue splits and commissions

## Platform Selection

| Platform | Best For |
|----------|----------|
| **SePay** | Vietnamese market, VND, bank transfers, VietQR |
| **Polar** | Global SaaS, subscriptions, automated benefits (GitHub/Discord) |
| **Stripe** | Enterprise payments, Connect platforms, custom checkout |
| **Paddle** | MoR subscriptions, global tax compliance, churn prevention |
| **Creem.io** | MoR + licensing, revenue splits, no-code checkout |

## Quick Reference

### SePay
- `references/sepay/overview.md` - Auth, supported banks
- `references/sepay/api.md` - Endpoints, transactions
- `references/sepay/webhooks.md` - Setup, verification
- `references/sepay/sdk.md` - Node.js, PHP, Laravel
- `references/sepay/qr-codes.md` - VietQR generation
- `references/sepay/best-practices.md` - Production patterns

### Polar
- `references/polar/overview.md` - Auth, MoR concept
- `references/polar/products.md` - Pricing models
- `references/polar/checkouts.md` - Checkout flows
- `references/polar/subscriptions.md` - Lifecycle management
- `references/polar/webhooks.md` - Event handling
- `references/polar/benefits.md` - Automated delivery
- `references/polar/sdk.md` - Multi-language SDKs
- `references/polar/best-practices.md` - Production patterns

### Stripe
- `references/stripe/stripe-best-practices.md` - Integration design
- `references/stripe/stripe-sdks.md` - Server SDKs
- `references/stripe/stripe-js.md` - Payment Element
- `references/stripe/stripe-cli.md` - Local testing
- `references/stripe/stripe-upgrade.md` - Version upgrades
- External: https://docs.stripe.com/llms.txt

### Paddle
- `references/paddle/overview.md` - MoR, auth, entity IDs
- `references/paddle/api.md` - Products, prices, transactions
- `references/paddle/paddle-js.md` - Checkout overlay/inline
- `references/paddle/subscriptions.md` - Trials, upgrades, pause
- `references/paddle/webhooks.md` - SHA256 verification
- `references/paddle/sdk.md` - Node, Python, PHP, Go
- `references/paddle/best-practices.md` - Production patterns
- External: https://developer.paddle.com/llms.txt

### Creem.io
- `references/creem/overview.md` - MoR, auth, global support
- `references/creem/api.md` - Products, checkout sessions
- `references/creem/checkouts.md` - No-code links, storefronts
- `references/creem/subscriptions.md` - Trials, seat-based
- `references/creem/licensing.md` - Device activation
- `references/creem/webhooks.md` - Signature verification
- `references/creem/sdk.md` - Next.js, Better Auth
- External: https://docs.creem.io/llms.txt

### Multi-Provider
- `references/multi-provider-order-management-patterns.md` - Unified orders, currency conversion

### Scripts
- `scripts/sepay-webhook-verify.js` - SePay webhook verification
- `scripts/polar-webhook-verify.js` - Polar webhook verification
- `scripts/checkout-helper.js` - Checkout session generator

## Key Capabilities

| Platform | Highlights |
|----------|------------|
| **SePay** | QR/bank/cards, 44+ VN banks, webhooks, 2 req/s |
| **Polar** | MoR, subscriptions, usage billing, benefits, 300 req/min |
| **Stripe** | CheckoutSessions, Billing, Connect, Payment Element |
| **Paddle** | MoR, overlay/inline checkout, Retain (churn prevention), tax |
| **Creem.io** | MoR, licensing, revenue splits, no-code checkout |

## Implementation

See `references/implementation-workflows.md` for step-by-step guides per platform.

**General flow:** auth → products → checkout → webhooks → events

© mrgoonie · MIT · mrgoonie/claudekit-skills

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