software-payments
Payments & Billing Engineering
Use this skill to design, implement, and debug production payment integrations: checkout flows, subscription management, webhook handling, regional pricing, feature gating, one-time purchases, billing portals, and payment testing.
Defaults bias toward: Stripe as primary processor (most common), webhooks as source of truth, idempotent handlers, lazy-initialized clients, dynamic payment methods, Zod validation at boundaries, structured logging, and fire-and-forget for non-critical tracking. For complex billing, consider a billing orchestrator (Chargebee, Recurly, Lago) on top of Stripe/Adyen.
Quick Reference
| Task | Default Picks | Notes |
|---|---|---|
| Subscription billing | Stripe Checkout (hosted) | Omit payment_method_types for dynamic methods |
| MoR / tax compliance | Stripe Managed Payments / Paddle / LemonSqueezy | MoR handles VAT/sales tax for you |
| Mobile subscriptions | RevenueCat | Wraps App Store + Google Play |
| Enterprise / high-volume | Adyen | 250+ payment methods, interchange++ pricing |
| Complex billing logic | Chargebee / Recurly on top of Stripe | Per-seat + usage, contract billing, revenue recognition |
| Usage-based billing | Stripe Billing Meters or Lago (open-source) | API calls, AI tokens, compute metering |
| UK Direct Debit | GoCardless | Bacs/SEPA/ACH DD, lowest involuntary churn |
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