payment-gateways

name	payment-gateways
description	Payment gateway integration — Stripe, Paddle, Lemon Squeezy, dunning, subscription management. Use when working with payment gateways.
domain	operations
author	oyi77
license	Apache-2.0
subdomain	business-operations
tags	["business-ops","gateways","management","operations","payment"]
version	1.0.0

Overview

Integrate payment gateways for SaaS billing — Stripe, Paddle, Lemon Squeezy. Handle checkout, webhooks, subscriptions, dunning, tax compliance.

Capabilities

• Stripe Checkout and Payment Intents
• Paddle and Lemon Squeezy integration
• Subscription lifecycle (create, upgrade, cancel)
• Webhook handling for payment events
• Dunning (failed payment recovery)
• Tax calculation and compliance
• Invoice generation and management

When to Use

Trigger phrases:

• "payment gateways"

• "Payment gateway integration — Stripe, Paddle, Lemon Squeezy, dunning, subscripti"

• Building SaaS billing systems

• Implementing subscription management

• Processing one-time payments

• Handling international tax (VAT, GST)

• Recovering failed payments (dunning)

When NOT to Use

• Task is about payment processing, not gateway integration
• You need to handle disputes or chargebacks (use dispute tools)
• Task requires PCI DSS compliance (use compliance tools)
• You're building a payment processor, not integrating one
• Task is about accounting, not payment collection
• You need to handle crypto payments (use crypto tools)

Pseudo Code

Implementation patterns for common use cases with this skill.

Stripe Checkout Session

import Stripe from 'stripe'
const stripe = new Stripe(process.env.STRIPE_SECRET_KEY)

const session = await stripe.checkout.sessions.create({
  mode: 'subscription',
  payment_method_types: ['card'],
  line_items: [{ price: 'price_xxx', quantity: 1 }],
  success_url: 'https://app.com/success?session_id={CHECKOUT_SESSION_ID}',
  cancel_url: 'https://app.com/cancel',
  customer_email: user.email,
})

res.redirect(303, session.url)

Stripe Webhook Handler

app.post('/webhooks/stripe', express.raw({ type: 'application/json' }), (req, res) => {
  const sig = req.headers['stripe-signature']
  const event = stripe.webhooks.constructEvent(req.body, sig, process.env.STRIPE_WEBHOOK_SECRET)

  switch (event.type) {
    case 'checkout.session.completed':
      handleCheckoutCompleted(event.data.object)
      break
    case 'invoice.payment_failed':
      handlePaymentFailed(event.data.object)
      break
    case 'customer.subscription.deleted':
      handleSubscriptionCanceled(event.data.object)
      break
  }

  res.json({ received: true })
})

Subscription Management

// Create subscription
const subscription = await stripe.subscriptions.create({
  customer: customerId,
  items: [{ price: 'price_xxx' }],
  payment_behavior: 'default_incomplete',
  expand: ['latest_invoice.payment_intent'],
})

// Upgrade subscription
await stripe.subscriptions.update(subscriptionId, {
  items: [{ id: itemId, price: 'price_new' }],
  proration_behavior: 'always_invoice',
})

// Cancel subscription
await stripe.subscriptions.update(subscriptionId, {
  cancel_at_period_end: true,
})

Lemon Squeezy Integration

// Create checkout
const checkout = await fetch('https://api.lemonsqueezy.com/v1/checkouts', {
  method: 'POST',
  headers: {
    Authorization: `Bearer ${process.env.LEMON_SQUEEZY_API_KEY}`,
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    data: {
      type: 'checkouts',
      attributes: {
        product_id: 12345,
        checkout_data: { email: user.email },
      },
    },
  }),
})

Dunning (Failed Payment Recovery)

// Handle failed payment
case 'invoice.payment_failed':
  const customer = event.data.customer
  const attempt = event.data.attempt_count

  if (attempt === 1) {
    sendEmail(customer, 'payment-failed-first')
  } else if (attempt === 3) {
    sendEmail(customer, 'payment-failed-final', { gracePeriod: '3 days' })
  } else if (attempt >= 4) {
    await stripe.subscriptions.update(subscriptionId, { pause_collection: true })
  }

Common Patterns

• Webhook-first: Always process events via webhooks, not polling
• Idempotency: Use idempotency keys for payment operations
• Proration: Handle subscription upgrades with proration
• Tax compliance: Use Stripe Tax or Paddle for automatic tax
• Grace period: Allow 3-7 days before suspending on failed payment

Red Flags

• Storing payment card data directly
• Not using PCI-compliant processors
• Missing fraud detection
• Not handling payment failures properly
• Ignoring payment security best practices

Verification

• Payment card data is not stored
• PCI-compliant processors are used
• Fraud detection is in place
• Payment failures are handled
• Security best practices are followed

Process

1. Analyze the task requirements
2. Apply domain expertise
3. Verify output quality

Anti-Rationalization Table

Rationalization	Reality
"We do not need SOPs"	Without SOPs, quality depends on memory. Document everything.
"Manual processes work fine"	Manual processes do not scale and are error-prone. Automate.
"Compliance is optional"	Compliance protects you legally. Build it in from the start.