Payment Integrator
CautionIntegrate payment gateways (Stripe, PayPal, Adyen) with checkout flows, subscription billing, webhook reconciliation, and PCI compliance guidance.
$ Copy the SKILL.md file to .claude/skills/payment-integrator.md About This Skill
Payment Integrator generates PCI-safe payment integration code for Stripe, PayPal, and Adyen, covering one-time payments, subscriptions, and marketplace splits.
Stripe Integration
One-time payments — Payment Intent API with Stripe Elements (React), server-side confirmation, and post-payment webhook fulfillment (checkout.session.completed).
Subscriptions — Product/Price catalog setup, customer portal (self-serve upgrade/downgrade/cancel), proration handling, and Smart Retries for failed payments (dunning).
Connect — Platform account setup, Standard and Express connected accounts, destination charges, transfer reversals, and dispute handling.
PayPal Integration
PayPal JS SDK with Smart Payment Buttons. Orders API for capture flow. Webhooks for async payment completion. Refunds and partial refunds API.
PCI Compliance
All card data handled by provider-hosted fields (Stripe Elements, Braintree Hosted Fields). No card numbers touch the server. Tokenization flow documented. Webhook signature verification prevents replay attacks.
Idempotency
Idempotency keys on all Stripe API calls prevent duplicate charges on network retries. Webhook event deduplication via Stripe event IDs.
Testing
Stripe test card matrix for all scenarios: successful payment, 3DS authentication, card decline, insufficient funds, disputed payment. Test webhook forwarding with Stripe CLI.
Use Cases
- Implementing Stripe Checkout with server-side session creation and webhook fulfillment
- Building subscription billing with Stripe Billing, proration, and dunning management
- Adding PayPal Smart Payment Buttons with order capture and refund handling
- Setting up Stripe Connect for marketplace payment splitting between sellers
Pros & Cons
Pros
- +PCI-safe patterns with provider-hosted fields keep card data off your servers
- +Idempotency keys on all API calls prevent duplicate charges on retries
- +Stripe Connect support enables marketplace payment architectures
- +Comprehensive test card matrix covers all failure scenarios
Cons
- -Stripe Connect compliance requirements vary significantly by jurisdiction
- -3DS authentication flow requires careful UX design to minimize cart abandonment
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