mena-bnpl

name	mena-bnpl
description	Use this skill when integrating or evaluating Arab/MENA buy-now-pay-later providers such as Tabby, Tamara, valU, Souhoola, Shahry, Postpay, Cashew, and related checkout, order, refund, and settlement workflows.

MENA BNPL

When To Use

Use this skill for bnpl work in Arab/MENA contexts, especially when the prompt includes: BNPL, installments, Tabby, Tamara, valU, Souhoola, Shahry, Postpay.

When Not To Use

• Do not promise approval rates, credit decisions, or regulated terms.
• Do not invent installment plans.

Required Inputs

• Country or market.
• Target vendor, if already selected.
• Desired workflow: vendor selection, implementation, review/debugging, launch readiness, or source research.
• Sandbox vs production state.
• Whether live customer, payment, tax, identity, bank, or payroll data is involved.

Common Workflows

• Identify whether the request is checkout, merchant onboarding, capture, refund, webhook, or eligibility.
• Read the provider file and source list before making integration recommendations.
• Separate customer-facing eligibility from merchant API handling.
• Return source-backed gaps and manual review requirements.

Default Workflow

1. Read sources.yml to see available vendors and confidence.
2. If a vendor is named, read only vendors/<vendor-id>.md for that vendor.
3. If choosing vendors, compare only vendors in this skill's registry: cashew, postpay, shahry, souhoola, tabby, tamara, valu.
4. Load references/integration-checklist.md only for implementation, review, or launch-readiness work.
5. Use scripts/list-vendors.mjs for a deterministic vendor list when needed.
6. Answer with source-backed facts, explicit unknowns, and validation steps.

Decision Tree

• Named vendor: read that vendor file, then answer narrowly.
• Vendor selection: filter by country, docs access, maturity, and source quality before recommending.
• Implementation: include auth, sandbox, webhook/callback, retries, idempotency, logging, and error handling only where source-backed.
• Review/debugging: compare the user's plan or code against the vendor file, sources.yml, and references/integration-checklist.md.
• Source research: update facts only when an official source, developer portal, GitHub repo, OpenAPI/Postman asset, or government source supports the claim.
• Missing docs: say Needs vendor access or Unknown from public docs.

Response Contract

• Start by naming the skill file and vendor/reference files used.
• Give a short recommendation or implementation path before details.
• Separate source-backed facts from assumptions and unknowns.
• Include country/market fit, docs access, docs confidence, and source-quality caveats when selecting vendors.
• Include a validation checklist with sandbox/test steps, rollback or retry notes, and manual approval gates for high-risk work.
• Never provide live-action instructions that move money, tax documents, bank data, identity data, payroll data, or outbound messages without explicit human approval.

Files To Read

• Routing and process: SKILL.md.
• Vendor facts: vendors/*.md.
• Source map: sources.yml.
• Implementation review: references/integration-checklist.md.
• Example response style: examples/source-backed-answer.md.

Safety Rules

• Treat financing, refunds, and settlement as high-risk operations.
• Use sandbox or test merchants first.
• Require explicit approval before live BNPL capture, cancellation, refund, or settlement operations.
• Confirm cancellation/refund behavior in official docs before implementation.
• Do not store unnecessary customer financial data.

Validation Checklist

• Vendor facts map back to source_urls.
• Unknowns are labeled instead of guessed.
• Sandbox and production are separated.
• Secrets are not printed or committed.
• High-risk live actions require explicit human approval.
• Evals in evals/prompts.yml still cover the changed workflow.

Done Criteria

• The answer names the files read or source-backed references used.
• The implementation plan includes tests and rollback/verification steps.
• No unsupported regional, API, compliance, pricing, or endpoint claims are included.