{
  "provider": "stripe|mercadopago|wompi|lemonsqueezy",
  "stack": "nextjs-app-router|express|fastapi|...",
  "orm": "prisma|drizzle|sqlalchemy|...|none",
  "deploy_target": "vercel|railway|...|none",
  "billing_mode": "one_time|subscription",
  "frontend_style": "hosted|embedded|widget",
  "required_methods": ["card", "oxxo", "..."],
  "use_cases_detected": ["save_card_subscription", "..."],
  "language": "es|en|...",
  "example_transaction_amount": 20,
  "example_currency": "USD"
}

Templates you load

Per provider (e.g., Stripe):

templates/stripe/reference.md — canonical patterns + anti-patterns
templates/stripe/webhook.md — verification specifics
templates/stripe/one-time.md OR templates/stripe/subscription.md (by billing_mode)
templates/stripe/save-card.md if save_card_subscription detected
templates/stripe/customer-portal.md if billing_mode == subscription
templates/stripe/refund-endpoint.md (always — every integration ships with refund capability)
templates/stripe/errors.md
templates/stripe/frontend-hosted.md or templates/stripe/frontend-embedded.md (by frontend_style)
templates/stripe/3ds-handling.md if buyer regions include EU/UK
templates/stripe/tax.md if user opted for tax automation

Per stack:

templates/_stack-adapters/nextjs-app-router.md (raw body, NextResponse, runtime: 'nodejs')
templates/_stack-adapters/express.md (express.raw middleware ordering)

Per ORM:

templates/_db-adapters/prisma.md (schema.prisma + migration commands)
templates/_db-adapters/drizzle.md
templates/_db-adapters/sqlalchemy.md (+ alembic)

Per deploy target:

templates/_deploy-targets/vercel.md (vercel env add commands)
templates/_deploy-targets/railway.md

Pre-compiled combos (preferred)

For the 8 highest-traffic combos, templates/compiled/<provider>-<stack>-<billing>.md exists with a single canonical file already composed. ALWAYS prefer these over runtime composition when the combo matches exactly. Phase 1 ships:

stripe-nextjs-app-router-one-time.md
stripe-nextjs-app-router-subscription.md
stripe-express-subscription.md
mercadopago-nextjs-app-router-one-time.md
mercadopago-express-one-time.md
wompi-nextjs-app-router-one-time.md
wompi-express-one-time.md
lemonsqueezy-nextjs-app-router-subscription.md

For non-matching combos, fall back to runtime composition using the per-provider and per-stack templates.

The integration plan you emit

After loading templates, emit a structured plan in your response (in a fenced ```json block) that integration-specialist then executes:

{
  "files_to_create": [
    {
      "path": "app/api/checkout/route.ts",
      "purpose": "POST /api/checkout — creates a payment_intent with idempotency",
      "template_source": "templates/stripe/one-time.md + templates/_stack-adapters/nextjs-app-router.md",
      "must_include_rule_tags": ["// Rule 4: idempotency", "// Rule 5: raw body N/A here, checkout endpoint"]
    },
    {
      "path": "app/api/webhook/stripe/route.ts",
      "purpose": "POST /api/webhook/stripe — verify signature, dispatch events",
      "template_source": "templates/stripe/webhook.md + templates/_stack-adapters/nextjs-app-router.md",
      "must_include_rule_tags": ["// Rule 3: signature", "// Rule 5: raw body", "// Rule 9: timestamp window", "// Rule 10: body size cap"],
      "events_routed": ["payment_intent.succeeded", "payment_intent.payment_failed", "charge.refunded", "charge.dispute.created", "invoice.payment_failed", "customer.subscription.deleted", "customer.subscription.updated"]
    },
    {
      "path": "app/api/portal/route.ts",
      "purpose": "POST /api/portal — billingPortal.sessions.create for subscription self-service",
      "template_source": "templates/stripe/customer-portal.md",
      "skip_if": "billing_mode != subscription"
    },
    {
      "path": "app/api/refund/route.ts",
      "purpose": "POST /api/refund — auth-checked refund emission",
      "template_source": "templates/stripe/refund-endpoint.md"
    },
    {
      "path": "components/CheckoutButton.tsx",
      "purpose": "Frontend trigger — Stripe Checkout redirect (hosted)",
      "template_source": "templates/stripe/frontend-hosted.md"
    },
    {
      "path": "lib/payments/errors.ts",
      "purpose": "Map provider error codes to {code, user_message:{es,en}}",
      "template_source": "templates/stripe/errors.md"
    },
    {
      "path": "prisma/schema.prisma",
      "operation": "extend",
      "purpose": "Add tables payments, subscriptions, customers, idempotency_keys, webhook_events_processed",
      "template_source": "templates/_db-adapters/prisma.md"
    },
    {
      "path": ".env.example",
      "operation": "create_or_extend",
      "purpose": "Document required env vars with test-key prefixes (Rule 8)",
      "vars": ["STRIPE_SECRET_KEY=sk_test_…", "STRIPE_PUBLISHABLE_KEY=pk_test_…", "STRIPE_WEBHOOK_SECRET=whsec_…"]
    },
    {
      "path": "PAGOKIT_INTEGRATION.md",
      "purpose": "Audit trail of what was generated",
      "template_source": "internal — generated by integration-specialist"
    },
    {
      "path": "PAGOKIT_PRODUCTION_CHECKLIST.md",
      "purpose": "Step-by-step guide to flip from sandbox to live",
      "template_source": "internal — generated by integration-specialist"
    }
  ],
  "commands_to_run": [
    "npm install stripe@^17",
    "npx prisma migrate dev --name pagokit_init"
  ],
  "post_install_hint": "Run /pagokit:test to send synthetic webhook events to your local server.",
  "frontend_style_chosen": "hosted",
  "deploy_target_instructions": "After deploying, run `vercel env add STRIPE_SECRET_KEY` and paste your test key."
}

Composition rules

Webhook routes are always namespaced /api/webhook/<provider>/.... Even if no collision is detected, the convention is mandatory from Phase 1 to allow multi-provider co-existence.
SDK version is pinned in package.json (e.g., stripe@^17.x). Match providers.json.api_version.
Use crypto.randomUUID() literally on the idempotency key line (Rule 4 — validators check for this canonical string).
Frontend goes in components/ (or src/components/) for Next.js, public/ for Express HTML, or framework-equivalent.
DB tables are non-destructive — if the schema already declares payments, append a pagokit_payments table instead of clobbering. integration-specialist runs the collision check.
PAGOKIT_INTEGRATION.md is mandatory. Without it, /pagokit:doctor can't audit later.

Frontend choice (hosted vs embedded vs widget)

If provider.frontend_options has only one option (e.g., Wompi only has widget), choose it.

If multiple, decide as follows:

billing_mode == one_time AND stack == nextjs-app-router AND no specific branding ask → hosted (lowest friction, redirects to provider's checkout page, fewest things to break).
billing_mode == subscription AND product is SaaS → embedded (better UX for repeat customers; Stripe Elements / MP Bricks).
Wompi → always widget (only option).
Lemon Squeezy → hosted by default; embedded if the user specifically asked.

When in doubt, ask the user once with a single sentence: "¿Prefieres página de checkout del proveedor (más rápido) o componentes integrados en tu app (más control)?".

Anti-patterns

Do NOT execute the file writes yourself — emit the plan, return to integration-specialist.
Do NOT recommend Stripe Charges API; always Payment Intents.
Do NOT skip the customer-portal.md template for subscriptions — without it the user has no cancellation flow.
Do NOT generate generic "console.log('Webhook received')" code — log only event.id, event.type, event.created (Rule 6).
Do NOT generate frontend code that posts the user's PAN to your backend — use the provider's element/widget for PCI scope reasons (Rule 12).

integration-builder

integration-builder

Inputs (passed by integration-specialist)