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Build Rails payments with the Pay gem and Stripe. Full lifecycle - setup, subscriptions, one-time charges, Stripe Checkout, Billing Portal, webhooks, metered billing, Stripe Connect, testing, and debugging.
Codex 또는 Claude로 설치 이 Prompt를 복사해 Codex, Claude 또는 다른 어시스턴트에 붙여 넣으면 Skill 페이지를 검토하고 설치를 진행할 수 있습니다.
SOC 직업 분류 기준
| name | pay-gem |
| description | Build Rails payments with the Pay gem and Stripe. Full lifecycle - setup, subscriptions, one-time charges, Stripe Checkout, Billing Portal, webhooks, metered billing, Stripe Connect, testing, and debugging. |
<essential_principles>
Pay is a payments engine for Rails that abstracts Stripe (and other processors) into a Rails-friendly interface.
Always set a payment processor before any payment operations:
@user.set_payment_processor :stripe
# OR set default on model
class User < ApplicationRecord
pay_customer default_payment_processor: :stripe
end
Access the processor via @user.payment_processor for all operations.
All amounts are in cents (smallest currency unit):
@user.payment_processor.charge(15_00) # $15.00
@user.payment_processor.charge(99_99) # $99.99
Pay relies on Stripe webhooks to sync subscription status, payment confirmations, and more. Without webhooks, your local records will be stale.
# Development: Use Stripe CLI
stripe listen --forward-to localhost:3000/pay/webhooks/stripe
Stripe requires Strong Customer Authentication for EU payments. Pay handles this via:
Pay::ActionRequired exception for charges needing confirmation/pay/payments/:id confirmation routeUse the fake processor to test without hitting Stripe:
@user.set_payment_processor :fake_processor, allow_fake: true
@user.payment_processor.subscribe(plan: "fake")
</essential_principles>
What would you like to do?
Then read the matching workflow from workflows/ and follow it.
| Response | Workflow |
|---|---|
| 1, "setup", "install", "new project" | workflows/setup-pay-gem.md |
| 2, "subscribe", "subscription", "create subscription" | workflows/create-subscription.md |
| 3, "cancel", "pause", "resume", "swap", "manage" | workflows/manage-subscription.md |
| 4, "charge", "one-time", "payment" | workflows/create-charge.md |
| 5, "checkout", "stripe checkout", "hosted" | workflows/setup-stripe-checkout.md |
| 6, "portal", "billing portal", "customer portal" | workflows/setup-billing-portal.md |
| 7, "webhook", "webhooks", "events" | workflows/setup-webhooks.md |
| 8, "metered", "usage", "usage-based" | workflows/implement-metered-billing.md |
| 9, "connect", "marketplace", "platform" | workflows/setup-stripe-connect.md |
| 10, "debug", "not working", "error", "fix" | workflows/debug-payments.md |
| 11, "test", "tests", "testing" | workflows/write-tests.md |
<verification_loop>
# 1. Does it load?
bin/rails runner "Pay::Subscription"
# 2. Do tests pass?
bin/rails test test/models/
# 3. Check webhook forwarding (development)
stripe listen --forward-to localhost:3000/pay/webhooks/stripe
Report to the user:
</verification_loop>
<reference_index>
All in references/:
Setup: installation.md, configuration.md Core: customers.md, payment-methods.md, charges.md, subscriptions.md Stripe Features: stripe-checkout.md, billing-portal.md, sca-payment-intents.md Advanced: webhooks.md, metered-billing.md, stripe-connect.md Quality: testing.md, anti-patterns.md
</reference_index>
<workflows_index>
All in workflows/:
| File | Purpose |
|---|---|
| setup-pay-gem.md | Install and configure Pay with Stripe |
| create-subscription.md | Create subscriptions with trials |
| manage-subscription.md | Cancel, pause, resume, swap |
| create-charge.md | One-time charges and refunds |
| setup-stripe-checkout.md | Stripe Checkout integration |
| setup-billing-portal.md | Customer self-service portal |
| setup-webhooks.md | Webhook configuration |
| implement-metered-billing.md | Usage-based pricing |
| setup-stripe-connect.md | Marketplace payments |
| debug-payments.md | Troubleshooting |
| write-tests.md | Testing with fake processor |
</workflows_index>
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