Payments by openclaw/skills

Situation Detection

Context	Load
Choosing Stripe vs Paddle vs LemonSqueezy	`providers.md`
Implementing checkout, webhooks, refunds	`integration.md`
Subscription billing, trials, upgrades	`subscriptions.md`
PCI compliance, fraud prevention	`security.md`

Universal Rules

Never store card data. Use provider-hosted checkout or tokenization. PCI compliance burden explodes the moment raw card numbers touch your server.

Webhooks are truth. Client-side success callbacks lie. A payment succeeded only when your webhook confirms it. Design for webhook-first verification.

Test mode exists for a reason. Use test cards, simulate failures, verify webhook handling. Production surprises cost real money and real customers.

Pricing psychology: $9.99/mo feels cheaper than $120/year, but annual retention is 2-3x higher. Default to annual with monthly option, not the reverse.

Provider Quick Compare

Need	Recommendation
US/global B2C	Stripe (best docs, widest coverage)
SaaS selling to EU (VAT headache)	Paddle, LemonSqueezy (merchant of record)
Simple product, no dev resources	Gumroad, Lemonsqueezy hosted
Marketplace with splits	Stripe Connect
High-risk or adult	Specialized processors (CCBill, Epoch)

See providers.md for detailed comparison.

Integration Checklist

Before going live:

Webhook endpoint secured and verified
Idempotency keys on all charges
Failure states handled (declined, expired, insufficient)
Receipts and invoices configured
Refund flow tested
Subscription lifecycle events handled (upgrade, downgrade, cancel)
Currency handling explicit (store in cents/smallest unit)

Red Flags

Storing CVV anywhere, ever → Instant PCI violation
Trusting client-side payment confirmation → Fraud vector
No retry logic for failed webhooks → Lost transactions
Hardcoding prices in frontend → Easy manipulation
Missing cancel_at_period_end handling → Angry customers

When to Load More

Situation	Reference
Evaluating payment processors	`providers.md`
Building checkout, handling webhooks	`integration.md`
Recurring billing, metering, trials	`subscriptions.md`
Fraud, PCI, chargebacks	`security.md`