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2025-11-29 17:57:01 +08:00
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--- a/.claude-plugin/plugin.json
+++ b/.claude-plugin/plugin.json
@@ -0,0 +1,18 @@
+{
+  "name": "specweave-payments",
+  "description": "Payment processing integration for Stripe, PayPal, and billing automation. Includes checkout flows, subscription lifecycle management, PCI DSS compliance guidance, and recurring billing. Focus on production-ready payment systems.",
+  "version": "0.22.14",
+  "author": {
+    "name": "SpecWeave Team",
+    "url": "https://spec-weave.com"
+  },
+  "skills": [
+    "./skills"
+  ],
+  "agents": [
+    "./agents"
+  ],
+  "commands": [
+    "./commands"
+  ]
+}
--- a/README.md
+++ b/README.md
@@ -0,0 +1,3 @@
+# specweave-payments
+
+Payment processing integration for Stripe, PayPal, and billing automation. Includes checkout flows, subscription lifecycle management, PCI DSS compliance guidance, and recurring billing. Focus on production-ready payment systems.
--- a/agents/payment-integration/AGENT.md
+++ b/agents/payment-integration/AGENT.md
@@ -0,0 +1,61 @@
+---
+name: payment-integration
+description: Integrate Stripe, PayPal, and payment processors. Handles checkout flows, subscriptions, webhooks, and PCI compliance. Use PROACTIVELY when implementing payments, billing, or subscription features.
+model: claude-haiku-4-5-20251001
+model_preference: haiku
+cost_profile: execution
+fallback_behavior: flexible
+---
+
+You are a payment integration specialist focused on secure, reliable payment processing.
+
+## 🚀 How to Invoke This Agent
+
+**Subagent Type**: `specweave-payments:payment-integration:payment-integration`
+
+**Usage Example**:
+
+```typescript
+Task({
+  subagent_type: "specweave-payments:payment-integration:payment-integration",
+  prompt: "Implement Stripe payment integration with checkout flow, webhook handling, and subscription billing",
+  model: "haiku" // optional: haiku, sonnet, opus
+});
+```
+
+**Naming Convention**: `{plugin}:{directory}:{yaml-name-or-directory-name}`
+- **Plugin**: specweave-payments
+- **Directory**: payment-integration
+- **Agent Name**: payment-integration
+
+**When to Use**:
+- You're implementing payment processing with Stripe or PayPal
+- You need to build checkout flows and payment forms
+- You want to set up recurring billing and subscriptions
+- You need to handle payment webhooks and events
+- You want to ensure PCI compliance and security best practices
+
+## Focus Areas
+- Stripe/PayPal/Square API integration
+- Checkout flows and payment forms
+- Subscription billing and recurring payments
+- Webhook handling for payment events
+- PCI compliance and security best practices
+- Payment error handling and retry logic
+
+## Approach
+1. Security first - never log sensitive card data
+2. Implement idempotency for all payment operations
+3. Handle all edge cases (failed payments, disputes, refunds)
+4. Test mode first, with clear migration path to production
+5. Comprehensive webhook handling for async events
+
+## Output
+- Payment integration code with error handling
+- Webhook endpoint implementations
+- Database schema for payment records
+- Security checklist (PCI compliance points)
+- Test payment scenarios and edge cases
+- Environment variable configuration
+
+Always use official SDKs. Include both server-side and client-side code where needed.
--- a/commands/stripe-setup.md
+++ b/commands/stripe-setup.md
@@ -0,0 +1,931 @@
+# /specweave-payments:stripe-setup
+
+Complete Stripe integration setup guide with production-ready code templates, security best practices, and testing workflows.
+
+You are a payment integration expert who implements secure, PCI-compliant Stripe payment systems.
+
+## Your Task
+
+Set up complete Stripe payment integration with checkout flows, webhook handling, subscription billing, and customer management.
+
+### 1. Environment Setup
+
+**Install Dependencies**:
+
+```bash
+# Node.js
+npm install stripe @stripe/stripe-js dotenv
+
+# Python
+pip install stripe python-dotenv
+
+# Ruby
+gem install stripe dotenv
+
+# PHP
+composer require stripe/stripe-php vlucas/phpdotenv
+```
+
+**Environment Variables**:
+
+```bash
+# .env (NEVER commit this file!)
+# Get keys from https://dashboard.stripe.com/apikeys
+
+# Test mode (development)
+STRIPE_PUBLISHABLE_KEY=pk_test_51...
+STRIPE_SECRET_KEY=sk_test_51...
+STRIPE_WEBHOOK_SECRET=whsec_...
+
+# Live mode (production)
+# STRIPE_PUBLISHABLE_KEY=pk_live_51...
+# STRIPE_SECRET_KEY=sk_live_51...
+# STRIPE_WEBHOOK_SECRET=whsec_...
+
+# App configuration
+STRIPE_SUCCESS_URL=https://yourdomain.com/success
+STRIPE_CANCEL_URL=https://yourdomain.com/cancel
+STRIPE_CURRENCY=usd
+```
+
+### 2. Backend Setup (Node.js/Express)
+
+**Stripe Client Initialization**:
+
+```typescript
+// src/config/stripe.ts
+import Stripe from 'stripe';
+import dotenv from 'dotenv';
+
+dotenv.config();
+
+if (!process.env.STRIPE_SECRET_KEY) {
+  throw new Error('STRIPE_SECRET_KEY is not set in environment variables');
+}
+
+export const stripe = new Stripe(process.env.STRIPE_SECRET_KEY, {
+  apiVersion: '2023-10-16',
+  typescript: true,
+  maxNetworkRetries: 2,
+  timeout: 10000, // 10 seconds
+});
+
+export const STRIPE_CONFIG = {
+  publishableKey: process.env.STRIPE_PUBLISHABLE_KEY!,
+  webhookSecret: process.env.STRIPE_WEBHOOK_SECRET!,
+  successUrl: process.env.STRIPE_SUCCESS_URL || 'http://localhost:3000/success',
+  cancelUrl: process.env.STRIPE_CANCEL_URL || 'http://localhost:3000/cancel',
+  currency: process.env.STRIPE_CURRENCY || 'usd',
+};
+```
+
+**Payment Service**:
+
+```typescript
+// src/services/payment.service.ts
+import { stripe } from '../config/stripe';
+import type Stripe from 'stripe';
+
+export class PaymentService {
+  /**
+   * Create a one-time payment checkout session
+   */
+  async createCheckoutSession(params: {
+    amount: number;
+    currency?: string;
+    customerId?: string;
+    metadata?: Record<string, string>;
+  }): Promise<Stripe.Checkout.Session> {
+    try {
+      const session = await stripe.checkout.sessions.create({
+        payment_method_types: ['card'],
+        line_items: [
+          {
+            price_data: {
+              currency: params.currency || 'usd',
+              product_data: {
+                name: 'Payment',
+                description: 'One-time payment',
+              },
+              unit_amount: params.amount, // Amount in cents
+            },
+            quantity: 1,
+          },
+        ],
+        mode: 'payment',
+        success_url: `${process.env.STRIPE_SUCCESS_URL}?session_id={CHECKOUT_SESSION_ID}`,
+        cancel_url: process.env.STRIPE_CANCEL_URL,
+        customer: params.customerId,
+        metadata: params.metadata,
+        // Enable automatic tax calculation (optional)
+        automatic_tax: { enabled: false },
+        // Customer email collection
+        customer_email: params.customerId ? undefined : '',
+      });
+
+      return session;
+    } catch (error) {
+      console.error('Failed to create checkout session:', error);
+      throw new Error('Payment session creation failed');
+    }
+  }
+
+  /**
+   * Create a payment intent for custom checkout UI
+   */
+  async createPaymentIntent(params: {
+    amount: number;
+    currency?: string;
+    customerId?: string;
+    paymentMethodTypes?: string[];
+    metadata?: Record<string, string>;
+  }): Promise<Stripe.PaymentIntent> {
+    try {
+      const paymentIntent = await stripe.paymentIntents.create({
+        amount: params.amount,
+        currency: params.currency || 'usd',
+        customer: params.customerId,
+        payment_method_types: params.paymentMethodTypes || ['card'],
+        metadata: params.metadata,
+        // Automatic payment methods (enables more payment methods)
+        automatic_payment_methods: {
+          enabled: true,
+          allow_redirects: 'never', // or 'always' for redirect-based methods
+        },
+      });
+
+      return paymentIntent;
+    } catch (error) {
+      console.error('Failed to create payment intent:', error);
+      throw new Error('Payment intent creation failed');
+    }
+  }
+
+  /**
+   * Retrieve a payment intent
+   */
+  async getPaymentIntent(paymentIntentId: string): Promise<Stripe.PaymentIntent> {
+    try {
+      return await stripe.paymentIntents.retrieve(paymentIntentId);
+    } catch (error) {
+      console.error('Failed to retrieve payment intent:', error);
+      throw new Error('Payment intent retrieval failed');
+    }
+  }
+
+  /**
+   * Confirm a payment intent (server-side confirmation)
+   */
+  async confirmPaymentIntent(
+    paymentIntentId: string,
+    paymentMethodId: string
+  ): Promise<Stripe.PaymentIntent> {
+    try {
+      return await stripe.paymentIntents.confirm(paymentIntentId, {
+        payment_method: paymentMethodId,
+      });
+    } catch (error) {
+      console.error('Failed to confirm payment intent:', error);
+      throw new Error('Payment confirmation failed');
+    }
+  }
+
+  /**
+   * Create or update a customer
+   */
+  async createCustomer(params: {
+    email: string;
+    name?: string;
+    phone?: string;
+    metadata?: Record<string, string>;
+    paymentMethodId?: string;
+  }): Promise<Stripe.Customer> {
+    try {
+      const customer = await stripe.customers.create({
+        email: params.email,
+        name: params.name,
+        phone: params.phone,
+        metadata: params.metadata,
+        payment_method: params.paymentMethodId,
+        invoice_settings: params.paymentMethodId
+          ? {
+              default_payment_method: params.paymentMethodId,
+            }
+          : undefined,
+      });
+
+      return customer;
+    } catch (error) {
+      console.error('Failed to create customer:', error);
+      throw new Error('Customer creation failed');
+    }
+  }
+
+  /**
+   * Attach a payment method to a customer
+   */
+  async attachPaymentMethod(
+    paymentMethodId: string,
+    customerId: string,
+    setAsDefault = true
+  ): Promise<Stripe.PaymentMethod> {
+    try {
+      // Attach payment method
+      const paymentMethod = await stripe.paymentMethods.attach(paymentMethodId, {
+        customer: customerId,
+      });
+
+      // Set as default if requested
+      if (setAsDefault) {
+        await stripe.customers.update(customerId, {
+          invoice_settings: {
+            default_payment_method: paymentMethodId,
+          },
+        });
+      }
+
+      return paymentMethod;
+    } catch (error) {
+      console.error('Failed to attach payment method:', error);
+      throw new Error('Payment method attachment failed');
+    }
+  }
+
+  /**
+   * List customer payment methods
+   */
+  async listPaymentMethods(customerId: string): Promise<Stripe.PaymentMethod[]> {
+    try {
+      const paymentMethods = await stripe.paymentMethods.list({
+        customer: customerId,
+        type: 'card',
+      });
+
+      return paymentMethods.data;
+    } catch (error) {
+      console.error('Failed to list payment methods:', error);
+      throw new Error('Payment method listing failed');
+    }
+  }
+
+  /**
+   * Create a refund
+   */
+  async createRefund(params: {
+    paymentIntentId?: string;
+    chargeId?: string;
+    amount?: number; // Partial refund amount in cents
+    reason?: 'duplicate' | 'fraudulent' | 'requested_by_customer';
+    metadata?: Record<string, string>;
+  }): Promise<Stripe.Refund> {
+    try {
+      const refund = await stripe.refunds.create({
+        payment_intent: params.paymentIntentId,
+        charge: params.chargeId,
+        amount: params.amount,
+        reason: params.reason,
+        metadata: params.metadata,
+      });
+
+      return refund;
+    } catch (error) {
+      console.error('Failed to create refund:', error);
+      throw new Error('Refund creation failed');
+    }
+  }
+}
+
+export const paymentService = new PaymentService();
+```
+
+**Express API Routes**:
+
+```typescript
+// src/routes/payment.routes.ts
+import { Router, Request, Response } from 'express';
+import { paymentService } from '../services/payment.service';
+
+const router = Router();
+
+/**
+ * POST /api/payments/checkout
+ * Create a checkout session
+ */
+router.post('/checkout', async (req: Request, res: Response) => {
+  try {
+    const { amount, currency, customerId, metadata } = req.body;
+
+    // Validate amount
+    if (!amount || amount <= 0) {
+      return res.status(400).json({ error: 'Invalid amount' });
+    }
+
+    const session = await paymentService.createCheckoutSession({
+      amount,
+      currency,
+      customerId,
+      metadata,
+    });
+
+    res.json({ sessionId: session.id, url: session.url });
+  } catch (error) {
+    console.error('Checkout error:', error);
+    res.status(500).json({ error: 'Failed to create checkout session' });
+  }
+});
+
+/**
+ * POST /api/payments/intent
+ * Create a payment intent for custom UI
+ */
+router.post('/intent', async (req: Request, res: Response) => {
+  try {
+    const { amount, currency, customerId, metadata } = req.body;
+
+    if (!amount || amount <= 0) {
+      return res.status(400).json({ error: 'Invalid amount' });
+    }
+
+    const paymentIntent = await paymentService.createPaymentIntent({
+      amount,
+      currency,
+      customerId,
+      metadata,
+    });
+
+    res.json({ clientSecret: paymentIntent.client_secret });
+  } catch (error) {
+    console.error('Payment intent error:', error);
+    res.status(500).json({ error: 'Failed to create payment intent' });
+  }
+});
+
+/**
+ * POST /api/payments/customers
+ * Create a customer
+ */
+router.post('/customers', async (req: Request, res: Response) => {
+  try {
+    const { email, name, phone, metadata } = req.body;
+
+    if (!email) {
+      return res.status(400).json({ error: 'Email is required' });
+    }
+
+    const customer = await paymentService.createCustomer({
+      email,
+      name,
+      phone,
+      metadata,
+    });
+
+    res.json({ customerId: customer.id });
+  } catch (error) {
+    console.error('Customer creation error:', error);
+    res.status(500).json({ error: 'Failed to create customer' });
+  }
+});
+
+/**
+ * POST /api/payments/refunds
+ * Create a refund
+ */
+router.post('/refunds', async (req: Request, res: Response) => {
+  try {
+    const { paymentIntentId, amount, reason, metadata } = req.body;
+
+    if (!paymentIntentId) {
+      return res.status(400).json({ error: 'Payment Intent ID is required' });
+    }
+
+    const refund = await paymentService.createRefund({
+      paymentIntentId,
+      amount,
+      reason,
+      metadata,
+    });
+
+    res.json({ refundId: refund.id, status: refund.status });
+  } catch (error) {
+    console.error('Refund error:', error);
+    res.status(500).json({ error: 'Failed to create refund' });
+  }
+});
+
+/**
+ * GET /api/payments/config
+ * Get public Stripe configuration
+ */
+router.get('/config', (req: Request, res: Response) => {
+  res.json({
+    publishableKey: process.env.STRIPE_PUBLISHABLE_KEY,
+  });
+});
+
+export default router;
+```
+
+### 3. Frontend Setup (React)
+
+**Stripe Provider**:
+
+```typescript
+// src/providers/StripeProvider.tsx
+import React from 'react';
+import { Elements } from '@stripe/react-stripe-js';
+import { loadStripe, Stripe } from '@stripe/stripe-js';
+
+// Load Stripe.js outside of component to avoid recreating the instance
+let stripePromise: Promise<Stripe | null>;
+
+const getStripe = () => {
+  if (!stripePromise) {
+    const publishableKey = process.env.NEXT_PUBLIC_STRIPE_PUBLISHABLE_KEY || '';
+    stripePromise = loadStripe(publishableKey);
+  }
+  return stripePromise;
+};
+
+interface StripeProviderProps {
+  children: React.ReactNode;
+}
+
+export const StripeProvider: React.FC<StripeProviderProps> = ({ children }) => {
+  return (
+    <Elements stripe={getStripe()}>
+      {children}
+    </Elements>
+  );
+};
+```
+
+**Payment Form Component**:
+
+```typescript
+// src/components/PaymentForm.tsx
+import React, { useState } from 'react';
+import {
+  useStripe,
+  useElements,
+  CardElement,
+  PaymentElement,
+} from '@stripe/react-stripe-js';
+import type { StripeError } from '@stripe/stripe-js';
+
+interface PaymentFormProps {
+  amount: number;
+  currency?: string;
+  onSuccess: (paymentIntentId: string) => void;
+  onError: (error: string) => void;
+  customerId?: string;
+  metadata?: Record<string, string>;
+}
+
+export const PaymentForm: React.FC<PaymentFormProps> = ({
+  amount,
+  currency = 'usd',
+  onSuccess,
+  onError,
+  customerId,
+  metadata,
+}) => {
+  const stripe = useStripe();
+  const elements = useElements();
+  const [loading, setLoading] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+
+  const handleSubmit = async (event: React.FormEvent) => {
+    event.preventDefault();
+
+    if (!stripe || !elements) {
+      // Stripe.js hasn't loaded yet
+      return;
+    }
+
+    setLoading(true);
+    setError(null);
+
+    try {
+      // Create payment intent on backend
+      const response = await fetch('/api/payments/intent', {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({
+          amount,
+          currency,
+          customerId,
+          metadata,
+        }),
+      });
+
+      const { clientSecret } = await response.json();
+
+      // Confirm payment with Stripe.js
+      const { error: stripeError, paymentIntent } = await stripe.confirmCardPayment(
+        clientSecret,
+        {
+          payment_method: {
+            card: elements.getElement(CardElement)!,
+            billing_details: {
+              // Add billing details if collected
+            },
+          },
+        }
+      );
+
+      if (stripeError) {
+        setError(stripeError.message || 'Payment failed');
+        onError(stripeError.message || 'Payment failed');
+      } else if (paymentIntent && paymentIntent.status === 'succeeded') {
+        onSuccess(paymentIntent.id);
+      }
+    } catch (err) {
+      const errorMessage = err instanceof Error ? err.message : 'Payment failed';
+      setError(errorMessage);
+      onError(errorMessage);
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  return (
+    <form onSubmit={handleSubmit} className="max-w-md mx-auto p-6">
+      <div className="mb-6">
+        <label className="block text-sm font-medium text-gray-700 mb-2">
+          Card Details
+        </label>
+        <div className="border border-gray-300 rounded-lg p-3">
+          <CardElement
+            options={{
+              style: {
+                base: {
+                  fontSize: '16px',
+                  color: '#424770',
+                  '::placeholder': {
+                    color: '#aab7c4',
+                  },
+                },
+                invalid: {
+                  color: '#9e2146',
+                },
+              },
+            }}
+          />
+        </div>
+      </div>
+
+      {error && (
+        <div className="mb-4 p-3 bg-red-50 border border-red-200 rounded-lg text-red-700 text-sm">
+          {error}
+        </div>
+      )}
+
+      <button
+        type="submit"
+        disabled={!stripe || loading}
+        className="w-full bg-blue-600 text-white py-3 px-4 rounded-lg font-medium hover:bg-blue-700 disabled:bg-gray-400 disabled:cursor-not-allowed transition-colors"
+      >
+        {loading ? 'Processing...' : `Pay $${(amount / 100).toFixed(2)}`}
+      </button>
+    </form>
+  );
+};
+```
+
+**Checkout Session Flow**:
+
+```typescript
+// src/components/CheckoutButton.tsx
+import React, { useState } from 'react';
+import { loadStripe } from '@stripe/stripe-js';
+
+const stripePromise = loadStripe(process.env.NEXT_PUBLIC_STRIPE_PUBLISHABLE_KEY!);
+
+interface CheckoutButtonProps {
+  amount: number;
+  currency?: string;
+  buttonText?: string;
+}
+
+export const CheckoutButton: React.FC<CheckoutButtonProps> = ({
+  amount,
+  currency = 'usd',
+  buttonText = 'Checkout',
+}) => {
+  const [loading, setLoading] = useState(false);
+
+  const handleCheckout = async () => {
+    setLoading(true);
+
+    try {
+      // Create checkout session
+      const response = await fetch('/api/payments/checkout', {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({ amount, currency }),
+      });
+
+      const { sessionId } = await response.json();
+
+      // Redirect to Stripe Checkout
+      const stripe = await stripePromise;
+      if (stripe) {
+        const { error } = await stripe.redirectToCheckout({ sessionId });
+        if (error) {
+          console.error('Checkout error:', error);
+        }
+      }
+    } catch (error) {
+      console.error('Checkout error:', error);
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  return (
+    <button
+      onClick={handleCheckout}
+      disabled={loading}
+      className="bg-blue-600 text-white py-2 px-6 rounded-lg font-medium hover:bg-blue-700 disabled:bg-gray-400 disabled:cursor-not-allowed transition-colors"
+    >
+      {loading ? 'Loading...' : buttonText}
+    </button>
+  );
+};
+```
+
+### 4. Testing
+
+**Test Cards**:
+
+```typescript
+// Test card numbers for different scenarios
+export const TEST_CARDS = {
+  // Success
+  VISA_SUCCESS: '4242424242424242',
+  VISA_DEBIT: '4000056655665556',
+  MASTERCARD: '5555555555554444',
+
+  // Authentication required
+  THREE_D_SECURE: '4000002500003155',
+
+  // Failure scenarios
+  CARD_DECLINED: '4000000000000002',
+  INSUFFICIENT_FUNDS: '4000000000009995',
+  LOST_CARD: '4000000000009987',
+  STOLEN_CARD: '4000000000009979',
+  EXPIRED_CARD: '4000000000000069',
+  INCORRECT_CVC: '4000000000000127',
+  PROCESSING_ERROR: '4000000000000119',
+
+  // Special cases
+  DISPUTE: '4000000000000259',
+  FRAUD: '4100000000000019',
+};
+
+// Any future expiry date (e.g., 12/34)
+// Any 3-digit CVC
+// Any postal code
+```
+
+**Integration Test**:
+
+```typescript
+// tests/integration/payment.test.ts
+import { paymentService } from '../../src/services/payment.service';
+import Stripe from 'stripe';
+
+describe('Payment Service Integration', () => {
+  describe('Payment Intent', () => {
+    it('should create a payment intent', async () => {
+      const paymentIntent = await paymentService.createPaymentIntent({
+        amount: 1000,
+        currency: 'usd',
+      });
+
+      expect(paymentIntent).toBeDefined();
+      expect(paymentIntent.amount).toBe(1000);
+      expect(paymentIntent.currency).toBe('usd');
+      expect(paymentIntent.status).toBe('requires_payment_method');
+    });
+
+    it('should confirm payment intent with test card', async () => {
+      // Create payment intent
+      const paymentIntent = await paymentService.createPaymentIntent({
+        amount: 1000,
+        currency: 'usd',
+      });
+
+      // Create test payment method
+      const stripe = new Stripe(process.env.STRIPE_SECRET_KEY!);
+      const paymentMethod = await stripe.paymentMethods.create({
+        type: 'card',
+        card: {
+          number: '4242424242424242',
+          exp_month: 12,
+          exp_year: 2034,
+          cvc: '123',
+        },
+      });
+
+      // Confirm payment
+      const confirmed = await paymentService.confirmPaymentIntent(
+        paymentIntent.id,
+        paymentMethod.id
+      );
+
+      expect(confirmed.status).toBe('succeeded');
+    });
+  });
+
+  describe('Customer Management', () => {
+    it('should create a customer', async () => {
+      const customer = await paymentService.createCustomer({
+        email: 'test@example.com',
+        name: 'Test User',
+      });
+
+      expect(customer).toBeDefined();
+      expect(customer.email).toBe('test@example.com');
+    });
+
+    it('should attach payment method to customer', async () => {
+      const stripe = new Stripe(process.env.STRIPE_SECRET_KEY!);
+
+      // Create customer
+      const customer = await paymentService.createCustomer({
+        email: 'test@example.com',
+      });
+
+      // Create payment method
+      const paymentMethod = await stripe.paymentMethods.create({
+        type: 'card',
+        card: {
+          number: '4242424242424242',
+          exp_month: 12,
+          exp_year: 2034,
+          cvc: '123',
+        },
+      });
+
+      // Attach payment method
+      const attached = await paymentService.attachPaymentMethod(
+        paymentMethod.id,
+        customer.id
+      );
+
+      expect(attached.customer).toBe(customer.id);
+    });
+  });
+
+  describe('Refunds', () => {
+    it('should create a refund', async () => {
+      // First create and confirm a payment
+      const paymentIntent = await paymentService.createPaymentIntent({
+        amount: 1000,
+        currency: 'usd',
+      });
+
+      const stripe = new Stripe(process.env.STRIPE_SECRET_KEY!);
+      const paymentMethod = await stripe.paymentMethods.create({
+        type: 'card',
+        card: {
+          number: '4242424242424242',
+          exp_month: 12,
+          exp_year: 2034,
+          cvc: '123',
+        },
+      });
+
+      await paymentService.confirmPaymentIntent(paymentIntent.id, paymentMethod.id);
+
+      // Create refund
+      const refund = await paymentService.createRefund({
+        paymentIntentId: paymentIntent.id,
+        reason: 'requested_by_customer',
+      });
+
+      expect(refund).toBeDefined();
+      expect(refund.status).toBe('succeeded');
+    });
+  });
+});
+```
+
+### 5. Security Checklist
+
+**Backend Security**:
+- [ ] NEVER log full card numbers or CVV
+- [ ] Use HTTPS only (enforce TLS 1.2+)
+- [ ] Validate webhook signatures
+- [ ] Implement rate limiting on payment endpoints
+- [ ] Store Stripe IDs, not card details
+- [ ] Use environment variables for keys
+- [ ] Implement idempotency keys for retries
+- [ ] Sanitize user inputs
+- [ ] Enable CSRF protection
+- [ ] Use secure session management
+
+**Frontend Security**:
+- [ ] Use Stripe.js (never raw card inputs)
+- [ ] Load Stripe.js from CDN (integrity check)
+- [ ] Never send card data to your server
+- [ ] Implement CSP headers
+- [ ] Use HTTPS only
+- [ ] Clear sensitive data from memory
+- [ ] Disable autocomplete on card fields
+- [ ] Implement proper error handling
+
+**Monitoring**:
+- [ ] Log all payment attempts
+- [ ] Monitor failed payment rates
+- [ ] Set up alerts for unusual activity
+- [ ] Track refund rates
+- [ ] Monitor webhook delivery
+- [ ] Implement fraud detection
+
+### 6. Production Deployment
+
+**Pre-launch Checklist**:
+
+1. **Update API Keys**:
+   - Switch from test keys (`sk_test_`, `pk_test_`) to live keys
+   - Update webhook endpoint with live webhook secret
+   - Test with live mode in Stripe Dashboard
+
+2. **Webhook Configuration**:
+   ```bash
+   # Register webhook in Stripe Dashboard
+   # URL: https://yourdomain.com/api/webhooks/stripe
+   # Events: payment_intent.succeeded, payment_intent.payment_failed,
+   #         customer.subscription.*, charge.refunded
+   ```
+
+3. **Enable Radar** (fraud detection):
+   - Configure Radar rules in Stripe Dashboard
+   - Enable 3D Secure for high-risk payments
+   - Set up risk score thresholds
+
+4. **Tax Configuration**:
+   - Enable Stripe Tax if needed
+   - Configure tax rates by location
+   - Set up tax reporting
+
+5. **Business Verification**:
+   - Complete business verification in Stripe
+   - Add business information
+   - Verify bank account for payouts
+
+6. **Monitoring**:
+   - Set up Sentry or similar for error tracking
+   - Configure log aggregation (Datadog, Splunk)
+   - Set up uptime monitoring for webhook endpoint
+   - Create alerts for failed payments
+
+## Output Deliverables
+
+When you complete this setup, provide:
+
+1. **Configured Files**:
+   - `.env` template with all required variables
+   - Backend service with payment methods
+   - API routes with error handling
+   - Frontend components (PaymentForm, CheckoutButton)
+
+2. **Documentation**:
+   - API endpoint documentation
+   - Testing guide with test cards
+   - Deployment checklist
+   - Security audit report
+
+3. **Testing**:
+   - Integration tests for payment flows
+   - Test scenarios for edge cases
+   - Webhook handling tests
+
+4. **Deployment**:
+   - Environment-specific configurations
+   - Database migration scripts (if storing payment records)
+   - Monitoring setup guide
+
+## Resources
+
+- **Stripe Documentation**: https://stripe.com/docs
+- **Stripe.js Reference**: https://stripe.com/docs/js
+- **Webhook Testing**: Use Stripe CLI (`stripe listen --forward-to localhost:3000/api/webhooks/stripe`)
+- **Test Cards**: https://stripe.com/docs/testing
+
+## Best Practices
+
+1. **Always use Stripe.js** for card collection (PCI compliance)
+2. **Verify webhooks** with signature validation
+3. **Handle errors gracefully** with user-friendly messages
+4. **Test thoroughly** with all test cards before production
+5. **Monitor payment success rates** and investigate drops
+6. **Implement retry logic** for API failures
+7. **Use metadata** to link payments to your database records
+8. **Never expose secret keys** in frontend code
+9. **Implement idempotency** for payment operations
+10. **Keep Stripe.js updated** to latest version
+
+Start with test mode, verify all flows work correctly, then switch to live mode with the same code.
--- a/commands/subscription-flow.md
+++ b/commands/subscription-flow.md
--- a/commands/subscription-manage.md
+++ b/commands/subscription-manage.md
@@ -0,0 +1,386 @@
+# Subscription Management
+
+Generate complete subscription management system.
+
+## Task
+
+You are a subscription billing expert. Generate production-ready subscription management with billing, upgrades, and cancellations.
+
+### Steps:
+
+1. **Ask for Requirements**:
+   - Pricing tiers (Basic, Pro, Enterprise)
+   - Billing interval (monthly, annual)
+   - Features per tier
+   - Trial period
+
+2. **Generate Pricing Configuration**:
+
+```typescript
+// config/pricing.ts
+export const PRICING_PLANS = {
+  basic: {
+    id: 'basic',
+    name: 'Basic',
+    description: 'For individuals and small teams',
+    prices: {
+      monthly: {
+        amount: 9,
+        stripePriceId: 'price_basic_monthly',
+      },
+      annual: {
+        amount: 90,
+        stripePriceId: 'price_basic_annual',
+        savings: 18, // 2 months free
+      },
+    },
+    features: [
+      '10 projects',
+      '5 GB storage',
+      'Basic support',
+    ],
+    limits: {
+      projects: 10,
+      storage: 5 * 1024 * 1024 * 1024, // 5 GB in bytes
+      apiCallsPerMonth: 10000,
+    },
+  },
+  pro: {
+    id: 'pro',
+    name: 'Pro',
+    description: 'For growing teams',
+    prices: {
+      monthly: {
+        amount: 29,
+        stripePriceId: 'price_pro_monthly',
+      },
+      annual: {
+        amount: 290,
+        stripePriceId: 'price_pro_annual',
+        savings: 58,
+      },
+    },
+    features: [
+      'Unlimited projects',
+      '50 GB storage',
+      'Priority support',
+      'Advanced analytics',
+    ],
+    limits: {
+      projects: Infinity,
+      storage: 50 * 1024 * 1024 * 1024,
+      apiCallsPerMonth: 100000,
+    },
+  },
+  enterprise: {
+    id: 'enterprise',
+    name: 'Enterprise',
+    description: 'For large organizations',
+    prices: {
+      monthly: {
+        amount: 99,
+        stripePriceId: 'price_enterprise_monthly',
+      },
+      annual: {
+        amount: 990,
+        stripePriceId: 'price_enterprise_annual',
+        savings: 198,
+      },
+    },
+    features: [
+      'Unlimited everything',
+      '1 TB storage',
+      '24/7 dedicated support',
+      'Custom integrations',
+      'SLA guarantee',
+    ],
+    limits: {
+      projects: Infinity,
+      storage: 1024 * 1024 * 1024 * 1024,
+      apiCallsPerMonth: Infinity,
+    },
+  },
+};
+```
+
+3. **Generate Subscription Service**:
+
+```typescript
+// services/subscription.service.ts
+import Stripe from 'stripe';
+import { PRICING_PLANS } from '../config/pricing';
+
+const stripe = new Stripe(process.env.STRIPE_SECRET_KEY!);
+
+export class SubscriptionService {
+  // Create subscription
+  async create(userId: string, planId: string, interval: 'monthly' | 'annual') {
+    const user = await db.users.findUnique({ where: { id: userId } });
+    const plan = PRICING_PLANS[planId];
+
+    if (!plan) throw new Error('Invalid plan');
+
+    // Create Stripe customer if doesn't exist
+    let customerId = user.stripeCustomerId;
+    if (!customerId) {
+      const customer = await stripe.customers.create({
+        email: user.email,
+        metadata: { userId },
+      });
+      customerId = customer.id;
+      await db.users.update({
+        where: { id: userId },
+        data: { stripeCustomerId: customerId },
+      });
+    }
+
+    // Create subscription
+    const subscription = await stripe.subscriptions.create({
+      customer: customerId,
+      items: [{ price: plan.prices[interval].stripePriceId }],
+      trial_period_days: 14, // 14-day trial
+      payment_behavior: 'default_incomplete',
+      payment_settings: {
+        save_default_payment_method: 'on_subscription',
+      },
+      expand: ['latest_invoice.payment_intent'],
+    });
+
+    // Save to database
+    await db.subscriptions.create({
+      data: {
+        userId,
+        stripeSubscriptionId: subscription.id,
+        stripePriceId: plan.prices[interval].stripePriceId,
+        status: subscription.status,
+        planId,
+        interval,
+        currentPeriodStart: new Date(subscription.current_period_start * 1000),
+        currentPeriodEnd: new Date(subscription.current_period_end * 1000),
+        trialEnd: subscription.trial_end
+          ? new Date(subscription.trial_end * 1000)
+          : null,
+      },
+    });
+
+    return {
+      subscriptionId: subscription.id,
+      clientSecret: subscription.latest_invoice.payment_intent.client_secret,
+    };
+  }
+
+  // Upgrade/downgrade subscription
+  async changePlan(userId: string, newPlanId: string, newInterval: 'monthly' | 'annual') {
+    const subscription = await db.subscriptions.findFirst({
+      where: { userId, status: 'active' },
+    });
+
+    if (!subscription) throw new Error('No active subscription');
+
+    const newPlan = PRICING_PLANS[newPlanId];
+    const newPriceId = newPlan.prices[newInterval].stripePriceId;
+
+    // Update Stripe subscription
+    const stripeSubscription = await stripe.subscriptions.retrieve(
+      subscription.stripeSubscriptionId
+    );
+
+    const updatedSubscription = await stripe.subscriptions.update(
+      subscription.stripeSubscriptionId,
+      {
+        items: [
+          {
+            id: stripeSubscription.items.data[0].id,
+            price: newPriceId,
+          },
+        ],
+        proration_behavior: 'always_invoice', // Prorate charges
+      }
+    );
+
+    // Update database
+    await db.subscriptions.update({
+      where: { id: subscription.id },
+      data: {
+        stripePriceId: newPriceId,
+        planId: newPlanId,
+        interval: newInterval,
+      },
+    });
+
+    return updatedSubscription;
+  }
+
+  // Cancel subscription
+  async cancel(userId: string, cancelAtPeriodEnd = true) {
+    const subscription = await db.subscriptions.findFirst({
+      where: { userId, status: 'active' },
+    });
+
+    if (!subscription) throw new Error('No active subscription');
+
+    if (cancelAtPeriodEnd) {
+      // Cancel at end of billing period
+      await stripe.subscriptions.update(subscription.stripeSubscriptionId, {
+        cancel_at_period_end: true,
+      });
+
+      await db.subscriptions.update({
+        where: { id: subscription.id },
+        data: { cancelAtPeriodEnd: true },
+      });
+    } else {
+      // Cancel immediately
+      await stripe.subscriptions.cancel(subscription.stripeSubscriptionId);
+
+      await db.subscriptions.update({
+        where: { id: subscription.id },
+        data: { status: 'canceled', canceledAt: new Date() },
+      });
+    }
+  }
+
+  // Resume canceled subscription
+  async resume(userId: string) {
+    const subscription = await db.subscriptions.findFirst({
+      where: { userId, cancelAtPeriodEnd: true },
+    });
+
+    if (!subscription) throw new Error('No subscription to resume');
+
+    await stripe.subscriptions.update(subscription.stripeSubscriptionId, {
+      cancel_at_period_end: false,
+    });
+
+    await db.subscriptions.update({
+      where: { id: subscription.id },
+      data: { cancelAtPeriodEnd: false },
+    });
+  }
+
+  // Get subscription status
+  async getStatus(userId: string) {
+    const subscription = await db.subscriptions.findFirst({
+      where: { userId },
+      orderBy: { createdAt: 'desc' },
+    });
+
+    if (!subscription) return null;
+
+    const plan = PRICING_PLANS[subscription.planId];
+    return {
+      ...subscription,
+      plan,
+      isActive: subscription.status === 'active',
+      isTrialing: subscription.status === 'trialing',
+      isCanceling: subscription.cancelAtPeriodEnd,
+    };
+  }
+
+  // Check feature access
+  async canAccess(userId: string, feature: string, value?: number) {
+    const status = await this.getStatus(userId);
+
+    if (!status || !status.isActive) return false;
+
+    const limits = status.plan.limits;
+
+    // Check specific limits
+    switch (feature) {
+      case 'projects':
+        const projectCount = await db.projects.count({ where: { userId } });
+        return projectCount < limits.projects;
+
+      case 'storage':
+        const storageUsed = await this.getStorageUsage(userId);
+        return storageUsed < limits.storage;
+
+      case 'api_calls':
+        const apiCalls = await this.getApiCallsThisMonth(userId);
+        return apiCalls < limits.apiCallsPerMonth;
+
+      default:
+        return false;
+    }
+  }
+}
+```
+
+4. **Generate Usage Tracking**:
+
+```typescript
+// Track API usage for metered billing
+export class UsageTracker {
+  async recordApiCall(userId: string) {
+    const subscription = await db.subscriptions.findFirst({
+      where: { userId, status: 'active' },
+    });
+
+    if (!subscription) return;
+
+    // Increment usage
+    await db.usageRecords.create({
+      data: {
+        subscriptionId: subscription.id,
+        type: 'api_call',
+        quantity: 1,
+        timestamp: new Date(),
+      },
+    });
+
+    // Optional: Report to Stripe for metered billing
+    if (subscription.meteringEnabled) {
+      await stripe.subscriptionItems.createUsageRecord(
+        subscription.stripeSubscriptionItemId,
+        {
+          quantity: 1,
+          timestamp: Math.floor(Date.now() / 1000),
+        }
+      );
+    }
+  }
+
+  async getUsage(userId: string, period: 'month' | 'all' = 'month') {
+    const subscription = await db.subscriptions.findFirst({
+      where: { userId },
+    });
+
+    if (!subscription) return null;
+
+    const startDate =
+      period === 'month'
+        ? new Date(new Date().setDate(1)) // Start of month
+        : undefined;
+
+    const usage = await db.usageRecords.groupBy({
+      by: ['type'],
+      where: {
+        subscriptionId: subscription.id,
+        timestamp: startDate ? { gte: startDate } : undefined,
+      },
+      _sum: {
+        quantity: true,
+      },
+    });
+
+    return usage;
+  }
+}
+```
+
+### Best Practices Included:
+
+- Trial periods
+- Proration on plan changes
+- Cancel at period end vs immediate
+- Usage tracking for metered billing
+- Feature gating based on plan
+- Subscription resumption
+- Clear pricing configuration
+
+### Example Usage:
+
+```
+User: "Set up subscription with Basic, Pro, Enterprise tiers"
+Result: Complete subscription system with billing, upgrades, trials
+```
--- a/commands/webhook-setup.md
+++ b/commands/webhook-setup.md
@@ -0,0 +1,295 @@
+# Payment Webhook Configuration
+
+Generate secure webhook handlers for payment providers.
+
+## Task
+
+You are a payment webhook security expert. Generate secure, production-ready webhook handlers.
+
+### Steps:
+
+1. **Ask for Provider**:
+   - Stripe
+   - PayPal
+   - Square
+   - Custom payment gateway
+
+2. **Generate Webhook Endpoint** (Stripe):
+
+```typescript
+import crypto from 'crypto';
+import express from 'express';
+import Stripe from 'stripe';
+
+const stripe = new Stripe(process.env.STRIPE_SECRET_KEY!);
+const app = express();
+
+// CRITICAL: Use raw body for webhook signature verification
+app.post(
+  '/api/webhooks/stripe',
+  express.raw({ type: 'application/json' }),
+  async (req, res) => {
+    const sig = req.headers['stripe-signature'];
+    const webhookSecret = process.env.STRIPE_WEBHOOK_SECRET!;
+
+    let event;
+
+    try {
+      // Verify webhook signature
+      event = stripe.webhooks.constructEvent(
+        req.body,
+        sig!,
+        webhookSecret
+      );
+    } catch (err) {
+      console.error(`Webhook signature verification failed: ${err.message}`);
+      return res.status(400).send(`Webhook Error: ${err.message}`);
+    }
+
+    // Handle event idempotently
+    const eventId = event.id;
+    const existingEvent = await db.webhookEvents.findUnique({
+      where: { stripeEventId: eventId },
+    });
+
+    if (existingEvent) {
+      console.log(`Duplicate webhook event: ${eventId}`);
+      return res.status(200).json({ received: true });
+    }
+
+    // Store event (prevents duplicate processing)
+    await db.webhookEvents.create({
+      data: {
+        stripeEventId: eventId,
+        type: event.type,
+        processedAt: new Date(),
+      },
+    });
+
+    // Process event in background to return 200 quickly
+    processWebhookEvent(event).catch((error) => {
+      console.error(`Failed to process webhook: ${error.message}`);
+      // Alert ops team
+    });
+
+    res.status(200).json({ received: true });
+  }
+);
+
+async function processWebhookEvent(event: Stripe.Event) {
+  switch (event.type) {
+    case 'checkout.session.completed':
+      await handleCheckoutComplete(event.data.object);
+      break;
+
+    case 'customer.subscription.created':
+    case 'customer.subscription.updated':
+      await handleSubscriptionChange(event.data.object);
+      break;
+
+    case 'customer.subscription.deleted':
+      await handleSubscriptionCanceled(event.data.object);
+      break;
+
+    case 'invoice.paid':
+      await handleInvoicePaid(event.data.object);
+      break;
+
+    case 'invoice.payment_failed':
+      await handleInvoicePaymentFailed(event.data.object);
+      break;
+
+    case 'payment_intent.succeeded':
+      await handlePaymentSuccess(event.data.object);
+      break;
+
+    case 'payment_intent.payment_failed':
+      await handlePaymentFailed(event.data.object);
+      break;
+
+    case 'charge.dispute.created':
+      await handleDisputeCreated(event.data.object);
+      break;
+
+    case 'customer.created':
+      await handleCustomerCreated(event.data.object);
+      break;
+
+    default:
+      console.log(`Unhandled event type: ${event.type}`);
+  }
+}
+```
+
+3. **Generate PayPal Webhook**:
+
+```typescript
+import crypto from 'crypto';
+
+app.post('/api/webhooks/paypal', express.json(), async (req, res) => {
+  const webhookId = process.env.PAYPAL_WEBHOOK_ID!;
+  const webhookEvent = req.body;
+
+  // Verify PayPal webhook signature
+  const isValid = await verifyPayPalWebhook(req, webhookId);
+
+  if (!isValid) {
+    return res.status(400).send('Invalid webhook signature');
+  }
+
+  const eventType = webhookEvent.event_type;
+
+  switch (eventType) {
+    case 'PAYMENT.CAPTURE.COMPLETED':
+      await handlePayPalPaymentCompleted(webhookEvent.resource);
+      break;
+
+    case 'BILLING.SUBSCRIPTION.CREATED':
+      await handlePayPalSubscriptionCreated(webhookEvent.resource);
+      break;
+
+    case 'BILLING.SUBSCRIPTION.CANCELLED':
+      await handlePayPalSubscriptionCancelled(webhookEvent.resource);
+      break;
+
+    default:
+      console.log(`Unhandled PayPal event: ${eventType}`);
+  }
+
+  res.status(200).json({ received: true });
+});
+
+async function verifyPayPalWebhook(req, webhookId) {
+  const transmissionId = req.headers['paypal-transmission-id'];
+  const timestamp = req.headers['paypal-transmission-time'];
+  const signature = req.headers['paypal-transmission-sig'];
+  const certUrl = req.headers['paypal-cert-url'];
+
+  const response = await fetch(
+    `https://api.paypal.com/v1/notifications/verify-webhook-signature`,
+    {
+      method: 'POST',
+      headers: {
+        'Content-Type': 'application/json',
+        Authorization: `Bearer ${await getPayPalAccessToken()}`,
+      },
+      body: JSON.stringify({
+        transmission_id: transmissionId,
+        transmission_time: timestamp,
+        cert_url: certUrl,
+        auth_algo: req.headers['paypal-auth-algo'],
+        transmission_sig: signature,
+        webhook_id: webhookId,
+        webhook_event: req.body,
+      }),
+    }
+  );
+
+  const data = await response.json();
+  return data.verification_status === 'SUCCESS';
+}
+```
+
+4. **Generate Webhook Testing Script**:
+
+```typescript
+// test-webhook.ts
+import { exec } from 'child_process';
+import util from 'util';
+
+const execPromise = util.promisify(exec);
+
+async function testWebhook() {
+  // Install Stripe CLI: brew install stripe/stripe-cli/stripe
+
+  // Listen to webhooks
+  const { stdout } = await execPromise('stripe listen --forward-to localhost:3000/api/webhooks/stripe');
+  console.log(stdout);
+
+  // Trigger test events
+  await execPromise('stripe trigger payment_intent.succeeded');
+  await execPromise('stripe trigger customer.subscription.created');
+  await execPromise('stripe trigger invoice.payment_failed');
+}
+
+testWebhook();
+```
+
+5. **Generate Monitoring & Alerting**:
+
+```typescript
+// Monitor webhook failures
+async function monitorWebhooks() {
+  const failedEvents = await db.webhookEvents.findMany({
+    where: {
+      processed: false,
+      createdAt: {
+        lt: new Date(Date.now() - 5 * 60 * 1000), // 5 minutes ago
+      },
+    },
+  });
+
+  if (failedEvents.length > 0) {
+    await sendAlert({
+      type: 'webhook_failure',
+      count: failedEvents.length,
+      events: failedEvents.map((e) => e.type),
+    });
+  }
+}
+
+// Retry failed webhooks
+async function retryFailedWebhooks() {
+  const failedEvents = await db.webhookEvents.findMany({
+    where: { processed: false },
+    take: 10,
+  });
+
+  for (const event of failedEvents) {
+    try {
+      await processWebhookEvent(event.data);
+      await db.webhookEvents.update({
+        where: { id: event.id },
+        data: { processed: true, processedAt: new Date() },
+      });
+    } catch (error) {
+      console.error(`Retry failed for event ${event.id}: ${error.message}`);
+    }
+  }
+}
+```
+
+6. **Generate Webhook Schema** (Database):
+
+```sql
+CREATE TABLE webhook_events (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  stripe_event_id VARCHAR(255) UNIQUE NOT NULL,
+  type VARCHAR(100) NOT NULL,
+  data JSONB NOT NULL,
+  processed BOOLEAN DEFAULT FALSE,
+  created_at TIMESTAMP DEFAULT NOW(),
+  processed_at TIMESTAMP
+);
+
+CREATE INDEX idx_webhook_events_type ON webhook_events(type);
+CREATE INDEX idx_webhook_events_processed ON webhook_events(processed);
+```
+
+### Security Best Practices:
+
+- ✅ Verify webhook signatures (prevent spoofing)
+- ✅ Use raw request body for signature validation
+- ✅ Idempotency (track event IDs, prevent duplicate processing)
+- ✅ Return 200 immediately (process in background)
+- ✅ Retry logic for failures
+- ✅ Monitoring and alerting
+- ✅ HTTPS only (secure transmission)
+- ✅ IP whitelisting (optional but recommended)
+
+### Example Usage:
+
+```
+User: "Set up secure Stripe webhook handler"
+Result: Complete webhook endpoint with signature verification, idempotency, and monitoring
+```
--- a/plugin.lock.json
+++ b/plugin.lock.json
@@ -0,0 +1,77 @@
+{
+  "$schema": "internal://schemas/plugin.lock.v1.json",
+  "pluginId": "gh:anton-abyzov/specweave:plugins/specweave-payments",
+  "normalized": {
+    "repo": null,
+    "ref": "refs/tags/v20251128.0",
+    "commit": "74ff4ef1842f904cc4ce74a8a7260a4b1d345033",
+    "treeHash": "90ff82e9531aa182ea37ac8bece0e5ccbc71564b9c519ffc0a52f4c39b48ad3f",
+    "generatedAt": "2025-11-28T10:13:53.304035Z",
+    "toolVersion": "publish_plugins.py@0.2.0"
+  },
+  "origin": {
+    "remote": "git@github.com:zhongweili/42plugin-data.git",
+    "branch": "master",
+    "commit": "aa1497ed0949fd50e99e70d6324a29c5b34f9390",
+    "repoRoot": "/Users/zhongweili/projects/openmind/42plugin-data"
+  },
+  "manifest": {
+    "name": "specweave-payments",
+    "description": "Payment processing integration for Stripe, PayPal, and billing automation. Includes checkout flows, subscription lifecycle management, PCI DSS compliance guidance, and recurring billing. Focus on production-ready payment systems.",
+    "version": "0.22.14"
+  },
+  "content": {
+    "files": [
+      {
+        "path": "README.md",
+        "sha256": "e8e8f19307f83e5dd609e9656899fd8ab8b466f3303f23a3043d162d1e49013c"
+      },
+      {
+        "path": "agents/payment-integration/AGENT.md",
+        "sha256": "020245ca834a42196f6b0dde85cb688cefe2496766da3920cfc883a124e58bee"
+      },
+      {
+        "path": ".claude-plugin/plugin.json",
+        "sha256": "017c97bf830c1c16c68541d1ae3acb50e00f358a82d741b25dfabdc01ced480c"
+      },
+      {
+        "path": "commands/webhook-setup.md",
+        "sha256": "7a5486eca995fa3c6f24362045c6dda1c515dd0afecb1d23d658705feab4a6bf"
+      },
+      {
+        "path": "commands/subscription-manage.md",
+        "sha256": "96968e02e733befb7839b6119c7180120609fa819370d07cb58b78782b0f0036"
+      },
+      {
+        "path": "commands/stripe-setup.md",
+        "sha256": "93d4fffbd3fb7f53107474c05d9c43891da31f37aacebd012c7fc66a4c1e956a"
+      },
+      {
+        "path": "commands/subscription-flow.md",
+        "sha256": "fdab7bbbc1b8dc5ae334d667043aafdf5582f75be5e07eb946d9ca5fc3867672"
+      },
+      {
+        "path": "skills/stripe-integration/SKILL.md",
+        "sha256": "c424fb2edf330858cc28b6416abdc09eb1233a0cff98231fa917fba401c3fe6b"
+      },
+      {
+        "path": "skills/billing-automation/SKILL.md",
+        "sha256": "d8cfd13532ef4573539de5b3404c5cb794e9988c96f54c158de37da91ff91caf"
+      },
+      {
+        "path": "skills/paypal-integration/SKILL.md",
+        "sha256": "88802f7ef05d07ff15f8e8e0d2a37714599dc7629aac1d21e4ecba06cdbd6ce0"
+      },
+      {
+        "path": "skills/pci-compliance/SKILL.md",
+        "sha256": "9c50102176f3b0108358299aa7de9168aec84ab1c1fb88b7beaf12ef58e78ee4"
+      }
+    ],
+    "dirSha256": "90ff82e9531aa182ea37ac8bece0e5ccbc71564b9c519ffc0a52f4c39b48ad3f"
+  },
+  "security": {
+    "scannedAt": null,
+    "scannerVersion": null,
+    "flags": []
+  }
+}
--- a/skills/billing-automation/SKILL.md
+++ b/skills/billing-automation/SKILL.md
@@ -0,0 +1,559 @@
+---
+name: billing-automation
+description: Build automated billing systems for recurring payments, invoicing, subscription lifecycle, and dunning management. Use when implementing subscription billing, automating invoicing, or managing recurring payment systems.
+---
+
+# Billing Automation
+
+Master automated billing systems including recurring billing, invoice generation, dunning management, proration, and tax calculation.
+
+## When to Use This Skill
+
+- Implementing SaaS subscription billing
+- Automating invoice generation and delivery
+- Managing failed payment recovery (dunning)
+- Calculating prorated charges for plan changes
+- Handling sales tax, VAT, and GST
+- Processing usage-based billing
+- Managing billing cycles and renewals
+
+## Core Concepts
+
+### 1. Billing Cycles
+**Common Intervals:**
+- Monthly (most common for SaaS)
+- Annual (discounted long-term)
+- Quarterly
+- Weekly
+- Custom (usage-based, per-seat)
+
+### 2. Subscription States
+```
+trial → active → past_due → canceled
+              → paused → resumed
+```
+
+### 3. Dunning Management
+Automated process to recover failed payments through:
+- Retry schedules
+- Customer notifications
+- Grace periods
+- Account restrictions
+
+### 4. Proration
+Adjusting charges when:
+- Upgrading/downgrading mid-cycle
+- Adding/removing seats
+- Changing billing frequency
+
+## Quick Start
+
+```python
+from billing import BillingEngine, Subscription
+
+# Initialize billing engine
+billing = BillingEngine()
+
+# Create subscription
+subscription = billing.create_subscription(
+    customer_id="cus_123",
+    plan_id="plan_pro_monthly",
+    billing_cycle_anchor=datetime.now(),
+    trial_days=14
+)
+
+# Process billing cycle
+billing.process_billing_cycle(subscription.id)
+```
+
+## Subscription Lifecycle Management
+
+```python
+from datetime import datetime, timedelta
+from enum import Enum
+
+class SubscriptionStatus(Enum):
+    TRIAL = "trial"
+    ACTIVE = "active"
+    PAST_DUE = "past_due"
+    CANCELED = "canceled"
+    PAUSED = "paused"
+
+class Subscription:
+    def __init__(self, customer_id, plan, billing_cycle_day=None):
+        self.id = generate_id()
+        self.customer_id = customer_id
+        self.plan = plan
+        self.status = SubscriptionStatus.TRIAL
+        self.current_period_start = datetime.now()
+        self.current_period_end = self.current_period_start + timedelta(days=plan.trial_days or 30)
+        self.billing_cycle_day = billing_cycle_day or self.current_period_start.day
+        self.trial_end = datetime.now() + timedelta(days=plan.trial_days) if plan.trial_days else None
+
+    def start_trial(self, trial_days):
+        """Start trial period."""
+        self.status = SubscriptionStatus.TRIAL
+        self.trial_end = datetime.now() + timedelta(days=trial_days)
+        self.current_period_end = self.trial_end
+
+    def activate(self):
+        """Activate subscription after trial or immediately."""
+        self.status = SubscriptionStatus.ACTIVE
+        self.current_period_start = datetime.now()
+        self.current_period_end = self.calculate_next_billing_date()
+
+    def mark_past_due(self):
+        """Mark subscription as past due after failed payment."""
+        self.status = SubscriptionStatus.PAST_DUE
+        # Trigger dunning workflow
+
+    def cancel(self, at_period_end=True):
+        """Cancel subscription."""
+        if at_period_end:
+            self.cancel_at_period_end = True
+            # Will cancel when current period ends
+        else:
+            self.status = SubscriptionStatus.CANCELED
+            self.canceled_at = datetime.now()
+
+    def calculate_next_billing_date(self):
+        """Calculate next billing date based on interval."""
+        if self.plan.interval == 'month':
+            return self.current_period_start + timedelta(days=30)
+        elif self.plan.interval == 'year':
+            return self.current_period_start + timedelta(days=365)
+        elif self.plan.interval == 'week':
+            return self.current_period_start + timedelta(days=7)
+```
+
+## Billing Cycle Processing
+
+```python
+class BillingEngine:
+    def process_billing_cycle(self, subscription_id):
+        """Process billing for a subscription."""
+        subscription = self.get_subscription(subscription_id)
+
+        # Check if billing is due
+        if datetime.now() < subscription.current_period_end:
+            return
+
+        # Generate invoice
+        invoice = self.generate_invoice(subscription)
+
+        # Attempt payment
+        payment_result = self.charge_customer(
+            subscription.customer_id,
+            invoice.total
+        )
+
+        if payment_result.success:
+            # Payment successful
+            invoice.mark_paid()
+            subscription.advance_billing_period()
+            self.send_invoice(invoice)
+        else:
+            # Payment failed
+            subscription.mark_past_due()
+            self.start_dunning_process(subscription, invoice)
+
+    def generate_invoice(self, subscription):
+        """Generate invoice for billing period."""
+        invoice = Invoice(
+            customer_id=subscription.customer_id,
+            subscription_id=subscription.id,
+            period_start=subscription.current_period_start,
+            period_end=subscription.current_period_end
+        )
+
+        # Add subscription line item
+        invoice.add_line_item(
+            description=subscription.plan.name,
+            amount=subscription.plan.amount,
+            quantity=subscription.quantity or 1
+        )
+
+        # Add usage-based charges if applicable
+        if subscription.has_usage_billing:
+            usage_charges = self.calculate_usage_charges(subscription)
+            invoice.add_line_item(
+                description="Usage charges",
+                amount=usage_charges
+            )
+
+        # Calculate tax
+        tax = self.calculate_tax(invoice.subtotal, subscription.customer)
+        invoice.tax = tax
+
+        invoice.finalize()
+        return invoice
+
+    def charge_customer(self, customer_id, amount):
+        """Charge customer using saved payment method."""
+        customer = self.get_customer(customer_id)
+
+        try:
+            # Charge using payment processor
+            charge = stripe.Charge.create(
+                customer=customer.stripe_id,
+                amount=int(amount * 100),  # Convert to cents
+                currency='usd'
+            )
+
+            return PaymentResult(success=True, transaction_id=charge.id)
+        except stripe.error.CardError as e:
+            return PaymentResult(success=False, error=str(e))
+```
+
+## Dunning Management
+
+```python
+class DunningManager:
+    """Manage failed payment recovery."""
+
+    def __init__(self):
+        self.retry_schedule = [
+            {'days': 3, 'email_template': 'payment_failed_first'},
+            {'days': 7, 'email_template': 'payment_failed_reminder'},
+            {'days': 14, 'email_template': 'payment_failed_final'}
+        ]
+
+    def start_dunning_process(self, subscription, invoice):
+        """Start dunning process for failed payment."""
+        dunning_attempt = DunningAttempt(
+            subscription_id=subscription.id,
+            invoice_id=invoice.id,
+            attempt_number=1,
+            next_retry=datetime.now() + timedelta(days=3)
+        )
+
+        # Send initial failure notification
+        self.send_dunning_email(subscription, 'payment_failed_first')
+
+        # Schedule retries
+        self.schedule_retries(dunning_attempt)
+
+    def retry_payment(self, dunning_attempt):
+        """Retry failed payment."""
+        subscription = self.get_subscription(dunning_attempt.subscription_id)
+        invoice = self.get_invoice(dunning_attempt.invoice_id)
+
+        # Attempt payment again
+        result = self.charge_customer(subscription.customer_id, invoice.total)
+
+        if result.success:
+            # Payment succeeded
+            invoice.mark_paid()
+            subscription.status = SubscriptionStatus.ACTIVE
+            self.send_dunning_email(subscription, 'payment_recovered')
+            dunning_attempt.mark_resolved()
+        else:
+            # Still failing
+            dunning_attempt.attempt_number += 1
+
+            if dunning_attempt.attempt_number < len(self.retry_schedule):
+                # Schedule next retry
+                next_retry_config = self.retry_schedule[dunning_attempt.attempt_number]
+                dunning_attempt.next_retry = datetime.now() + timedelta(days=next_retry_config['days'])
+                self.send_dunning_email(subscription, next_retry_config['email_template'])
+            else:
+                # Exhausted retries, cancel subscription
+                subscription.cancel(at_period_end=False)
+                self.send_dunning_email(subscription, 'subscription_canceled')
+
+    def send_dunning_email(self, subscription, template):
+        """Send dunning notification to customer."""
+        customer = self.get_customer(subscription.customer_id)
+
+        email_content = self.render_template(template, {
+            'customer_name': customer.name,
+            'amount_due': subscription.plan.amount,
+            'update_payment_url': f"https://app.example.com/billing"
+        })
+
+        send_email(
+            to=customer.email,
+            subject=email_content['subject'],
+            body=email_content['body']
+        )
+```
+
+## Proration
+
+```python
+class ProrationCalculator:
+    """Calculate prorated charges for plan changes."""
+
+    @staticmethod
+    def calculate_proration(old_plan, new_plan, period_start, period_end, change_date):
+        """Calculate proration for plan change."""
+        # Days in current period
+        total_days = (period_end - period_start).days
+
+        # Days used on old plan
+        days_used = (change_date - period_start).days
+
+        # Days remaining on new plan
+        days_remaining = (period_end - change_date).days
+
+        # Calculate prorated amounts
+        unused_amount = (old_plan.amount / total_days) * days_remaining
+        new_plan_amount = (new_plan.amount / total_days) * days_remaining
+
+        # Net charge/credit
+        proration = new_plan_amount - unused_amount
+
+        return {
+            'old_plan_credit': -unused_amount,
+            'new_plan_charge': new_plan_amount,
+            'net_proration': proration,
+            'days_used': days_used,
+            'days_remaining': days_remaining
+        }
+
+    @staticmethod
+    def calculate_seat_proration(current_seats, new_seats, price_per_seat, period_start, period_end, change_date):
+        """Calculate proration for seat changes."""
+        total_days = (period_end - period_start).days
+        days_remaining = (period_end - change_date).days
+
+        # Additional seats charge
+        additional_seats = new_seats - current_seats
+        prorated_amount = (additional_seats * price_per_seat / total_days) * days_remaining
+
+        return {
+            'additional_seats': additional_seats,
+            'prorated_charge': max(0, prorated_amount),  # No refund for removing seats mid-cycle
+            'effective_date': change_date
+        }
+```
+
+## Tax Calculation
+
+```python
+class TaxCalculator:
+    """Calculate sales tax, VAT, GST."""
+
+    def __init__(self):
+        # Tax rates by region
+        self.tax_rates = {
+            'US_CA': 0.0725,  # California sales tax
+            'US_NY': 0.04,    # New York sales tax
+            'GB': 0.20,       # UK VAT
+            'DE': 0.19,       # Germany VAT
+            'FR': 0.20,       # France VAT
+            'AU': 0.10,       # Australia GST
+        }
+
+    def calculate_tax(self, amount, customer):
+        """Calculate applicable tax."""
+        # Determine tax jurisdiction
+        jurisdiction = self.get_tax_jurisdiction(customer)
+
+        if not jurisdiction:
+            return 0
+
+        # Get tax rate
+        tax_rate = self.tax_rates.get(jurisdiction, 0)
+
+        # Calculate tax
+        tax = amount * tax_rate
+
+        return {
+            'tax_amount': tax,
+            'tax_rate': tax_rate,
+            'jurisdiction': jurisdiction,
+            'tax_type': self.get_tax_type(jurisdiction)
+        }
+
+    def get_tax_jurisdiction(self, customer):
+        """Determine tax jurisdiction based on customer location."""
+        if customer.country == 'US':
+            # US: Tax based on customer state
+            return f"US_{customer.state}"
+        elif customer.country in ['GB', 'DE', 'FR']:
+            # EU: VAT
+            return customer.country
+        elif customer.country == 'AU':
+            # Australia: GST
+            return 'AU'
+        else:
+            return None
+
+    def get_tax_type(self, jurisdiction):
+        """Get type of tax for jurisdiction."""
+        if jurisdiction.startswith('US_'):
+            return 'Sales Tax'
+        elif jurisdiction in ['GB', 'DE', 'FR']:
+            return 'VAT'
+        elif jurisdiction == 'AU':
+            return 'GST'
+        return 'Tax'
+
+    def validate_vat_number(self, vat_number, country):
+        """Validate EU VAT number."""
+        # Use VIES API for validation
+        # Returns True if valid, False otherwise
+        pass
+```
+
+## Invoice Generation
+
+```python
+class Invoice:
+    def __init__(self, customer_id, subscription_id=None):
+        self.id = generate_invoice_number()
+        self.customer_id = customer_id
+        self.subscription_id = subscription_id
+        self.status = 'draft'
+        self.line_items = []
+        self.subtotal = 0
+        self.tax = 0
+        self.total = 0
+        self.created_at = datetime.now()
+
+    def add_line_item(self, description, amount, quantity=1):
+        """Add line item to invoice."""
+        line_item = {
+            'description': description,
+            'unit_amount': amount,
+            'quantity': quantity,
+            'total': amount * quantity
+        }
+        self.line_items.append(line_item)
+        self.subtotal += line_item['total']
+
+    def finalize(self):
+        """Finalize invoice and calculate total."""
+        self.total = self.subtotal + self.tax
+        self.status = 'open'
+        self.finalized_at = datetime.now()
+
+    def mark_paid(self):
+        """Mark invoice as paid."""
+        self.status = 'paid'
+        self.paid_at = datetime.now()
+
+    def to_pdf(self):
+        """Generate PDF invoice."""
+        from reportlab.pdfgen import canvas
+
+        # Generate PDF
+        # Include: company info, customer info, line items, tax, total
+        pass
+
+    def to_html(self):
+        """Generate HTML invoice."""
+        template = """
+        <!DOCTYPE html>
+        <html>
+        <head><title>Invoice #{invoice_number}</title></head>
+        <body>
+            <h1>Invoice #{invoice_number}</h1>
+            <p>Date: {date}</p>
+            <h2>Bill To:</h2>
+            <p>{customer_name}<br>{customer_address}</p>
+            <table>
+                <tr><th>Description</th><th>Quantity</th><th>Amount</th></tr>
+                {line_items}
+            </table>
+            <p>Subtotal: ${subtotal}</p>
+            <p>Tax: ${tax}</p>
+            <h3>Total: ${total}</h3>
+        </body>
+        </html>
+        """
+
+        return template.format(
+            invoice_number=self.id,
+            date=self.created_at.strftime('%Y-%m-%d'),
+            customer_name=self.customer.name,
+            customer_address=self.customer.address,
+            line_items=self.render_line_items(),
+            subtotal=self.subtotal,
+            tax=self.tax,
+            total=self.total
+        )
+```
+
+## Usage-Based Billing
+
+```python
+class UsageBillingEngine:
+    """Track and bill for usage."""
+
+    def track_usage(self, customer_id, metric, quantity):
+        """Track usage event."""
+        UsageRecord.create(
+            customer_id=customer_id,
+            metric=metric,
+            quantity=quantity,
+            timestamp=datetime.now()
+        )
+
+    def calculate_usage_charges(self, subscription, period_start, period_end):
+        """Calculate charges for usage in billing period."""
+        usage_records = UsageRecord.get_for_period(
+            subscription.customer_id,
+            period_start,
+            period_end
+        )
+
+        total_usage = sum(record.quantity for record in usage_records)
+
+        # Tiered pricing
+        if subscription.plan.pricing_model == 'tiered':
+            charge = self.calculate_tiered_pricing(total_usage, subscription.plan.tiers)
+        # Per-unit pricing
+        elif subscription.plan.pricing_model == 'per_unit':
+            charge = total_usage * subscription.plan.unit_price
+        # Volume pricing
+        elif subscription.plan.pricing_model == 'volume':
+            charge = self.calculate_volume_pricing(total_usage, subscription.plan.tiers)
+
+        return charge
+
+    def calculate_tiered_pricing(self, total_usage, tiers):
+        """Calculate cost using tiered pricing."""
+        charge = 0
+        remaining = total_usage
+
+        for tier in sorted(tiers, key=lambda x: x['up_to']):
+            tier_usage = min(remaining, tier['up_to'] - tier['from'])
+            charge += tier_usage * tier['unit_price']
+            remaining -= tier_usage
+
+            if remaining <= 0:
+                break
+
+        return charge
+```
+
+## Resources
+
+- **references/billing-cycles.md**: Billing cycle management
+- **references/dunning-management.md**: Failed payment recovery
+- **references/proration.md**: Prorated charge calculations
+- **references/tax-calculation.md**: Tax/VAT/GST handling
+- **references/invoice-lifecycle.md**: Invoice state management
+- **assets/billing-state-machine.yaml**: Billing workflow
+- **assets/invoice-template.html**: Invoice templates
+- **assets/dunning-policy.yaml**: Dunning configuration
+
+## Best Practices
+
+1. **Automate Everything**: Minimize manual intervention
+2. **Clear Communication**: Notify customers of billing events
+3. **Flexible Retry Logic**: Balance recovery with customer experience
+4. **Accurate Proration**: Fair calculation for plan changes
+5. **Tax Compliance**: Calculate correct tax for jurisdiction
+6. **Audit Trail**: Log all billing events
+7. **Graceful Degradation**: Handle edge cases without breaking
+
+## Common Pitfalls
+
+- **Incorrect Proration**: Not accounting for partial periods
+- **Missing Tax**: Forgetting to add tax to invoices
+- **Aggressive Dunning**: Canceling too quickly
+- **No Notifications**: Not informing customers of failures
+- **Hardcoded Cycles**: Not supporting custom billing dates
--- a/skills/paypal-integration/SKILL.md
+++ b/skills/paypal-integration/SKILL.md
@@ -0,0 +1,467 @@
+---
+name: paypal-integration
+description: Integrate PayPal payment processing with support for express checkout, subscriptions, and refund management. Use when implementing PayPal payments, processing online transactions, or building e-commerce checkout flows.
+---
+
+# PayPal Integration
+
+Master PayPal payment integration including Express Checkout, IPN handling, recurring billing, and refund workflows.
+
+## When to Use This Skill
+
+- Integrating PayPal as a payment option
+- Implementing express checkout flows
+- Setting up recurring billing with PayPal
+- Processing refunds and payment disputes
+- Handling PayPal webhooks (IPN)
+- Supporting international payments
+- Implementing PayPal subscriptions
+
+## Core Concepts
+
+### 1. Payment Products
+**PayPal Checkout**
+- One-time payments
+- Express checkout experience
+- Guest and PayPal account payments
+
+**PayPal Subscriptions**
+- Recurring billing
+- Subscription plans
+- Automatic renewals
+
+**PayPal Payouts**
+- Send money to multiple recipients
+- Marketplace and platform payments
+
+### 2. Integration Methods
+**Client-Side (JavaScript SDK)**
+- Smart Payment Buttons
+- Hosted payment flow
+- Minimal backend code
+
+**Server-Side (REST API)**
+- Full control over payment flow
+- Custom checkout UI
+- Advanced features
+
+### 3. IPN (Instant Payment Notification)
+- Webhook-like payment notifications
+- Asynchronous payment updates
+- Verification required
+
+## Quick Start
+
+```javascript
+// Frontend - PayPal Smart Buttons
+<div id="paypal-button-container"></div>
+
+<script src="https://www.paypal.com/sdk/js?client-id=YOUR_CLIENT_ID&currency=USD"></script>
+<script>
+  paypal.Buttons({
+    createOrder: function(data, actions) {
+      return actions.order.create({
+        purchase_units: [{
+          amount: {
+            value: '25.00'
+          }
+        }]
+      });
+    },
+    onApprove: function(data, actions) {
+      return actions.order.capture().then(function(details) {
+        // Payment successful
+        console.log('Transaction completed by ' + details.payer.name.given_name);
+
+        // Send to backend for verification
+        fetch('/api/paypal/capture', {
+          method: 'POST',
+          headers: {'Content-Type': 'application/json'},
+          body: JSON.stringify({orderID: data.orderID})
+        });
+      });
+    }
+  }).render('#paypal-button-container');
+</script>
+```
+
+```python
+# Backend - Verify and capture order
+from paypalrestsdk import Payment
+import paypalrestsdk
+
+paypalrestsdk.configure({
+    "mode": "sandbox",  # or "live"
+    "client_id": "YOUR_CLIENT_ID",
+    "client_secret": "YOUR_CLIENT_SECRET"
+})
+
+def capture_paypal_order(order_id):
+    """Capture a PayPal order."""
+    payment = Payment.find(order_id)
+
+    if payment.execute({"payer_id": payment.payer.payer_info.payer_id}):
+        # Payment successful
+        return {
+            'status': 'success',
+            'transaction_id': payment.id,
+            'amount': payment.transactions[0].amount.total
+        }
+    else:
+        # Payment failed
+        return {
+            'status': 'failed',
+            'error': payment.error
+        }
+```
+
+## Express Checkout Implementation
+
+### Server-Side Order Creation
+```python
+import requests
+import json
+
+class PayPalClient:
+    def __init__(self, client_id, client_secret, mode='sandbox'):
+        self.client_id = client_id
+        self.client_secret = client_secret
+        self.base_url = 'https://api-m.sandbox.paypal.com' if mode == 'sandbox' else 'https://api-m.paypal.com'
+        self.access_token = self.get_access_token()
+
+    def get_access_token(self):
+        """Get OAuth access token."""
+        url = f"{self.base_url}/v1/oauth2/token"
+        headers = {"Accept": "application/json", "Accept-Language": "en_US"}
+
+        response = requests.post(
+            url,
+            headers=headers,
+            data={"grant_type": "client_credentials"},
+            auth=(self.client_id, self.client_secret)
+        )
+
+        return response.json()['access_token']
+
+    def create_order(self, amount, currency='USD'):
+        """Create a PayPal order."""
+        url = f"{self.base_url}/v2/checkout/orders"
+        headers = {
+            "Content-Type": "application/json",
+            "Authorization": f"Bearer {self.access_token}"
+        }
+
+        payload = {
+            "intent": "CAPTURE",
+            "purchase_units": [{
+                "amount": {
+                    "currency_code": currency,
+                    "value": str(amount)
+                }
+            }]
+        }
+
+        response = requests.post(url, headers=headers, json=payload)
+        return response.json()
+
+    def capture_order(self, order_id):
+        """Capture payment for an order."""
+        url = f"{self.base_url}/v2/checkout/orders/{order_id}/capture"
+        headers = {
+            "Content-Type": "application/json",
+            "Authorization": f"Bearer {self.access_token}"
+        }
+
+        response = requests.post(url, headers=headers)
+        return response.json()
+
+    def get_order_details(self, order_id):
+        """Get order details."""
+        url = f"{self.base_url}/v2/checkout/orders/{order_id}"
+        headers = {
+            "Authorization": f"Bearer {self.access_token}"
+        }
+
+        response = requests.get(url, headers=headers)
+        return response.json()
+```
+
+## IPN (Instant Payment Notification) Handling
+
+### IPN Verification and Processing
+```python
+from flask import Flask, request
+import requests
+from urllib.parse import parse_qs
+
+app = Flask(__name__)
+
+@app.route('/ipn', methods=['POST'])
+def handle_ipn():
+    """Handle PayPal IPN notifications."""
+    # Get IPN message
+    ipn_data = request.form.to_dict()
+
+    # Verify IPN with PayPal
+    if not verify_ipn(ipn_data):
+        return 'IPN verification failed', 400
+
+    # Process IPN based on transaction type
+    payment_status = ipn_data.get('payment_status')
+    txn_type = ipn_data.get('txn_type')
+
+    if payment_status == 'Completed':
+        handle_payment_completed(ipn_data)
+    elif payment_status == 'Refunded':
+        handle_refund(ipn_data)
+    elif payment_status == 'Reversed':
+        handle_chargeback(ipn_data)
+
+    return 'IPN processed', 200
+
+def verify_ipn(ipn_data):
+    """Verify IPN message authenticity."""
+    # Add 'cmd' parameter
+    verify_data = ipn_data.copy()
+    verify_data['cmd'] = '_notify-validate'
+
+    # Send back to PayPal for verification
+    paypal_url = 'https://ipnpb.sandbox.paypal.com/cgi-bin/webscr'  # or production URL
+
+    response = requests.post(paypal_url, data=verify_data)
+
+    return response.text == 'VERIFIED'
+
+def handle_payment_completed(ipn_data):
+    """Process completed payment."""
+    txn_id = ipn_data.get('txn_id')
+    payer_email = ipn_data.get('payer_email')
+    mc_gross = ipn_data.get('mc_gross')
+    item_name = ipn_data.get('item_name')
+
+    # Check if already processed (prevent duplicates)
+    if is_transaction_processed(txn_id):
+        return
+
+    # Update database
+    # Send confirmation email
+    # Fulfill order
+    print(f"Payment completed: {txn_id}, Amount: ${mc_gross}")
+
+def handle_refund(ipn_data):
+    """Handle refund."""
+    parent_txn_id = ipn_data.get('parent_txn_id')
+    mc_gross = ipn_data.get('mc_gross')
+
+    # Process refund in your system
+    print(f"Refund processed: {parent_txn_id}, Amount: ${mc_gross}")
+
+def handle_chargeback(ipn_data):
+    """Handle payment reversal/chargeback."""
+    txn_id = ipn_data.get('txn_id')
+    reason_code = ipn_data.get('reason_code')
+
+    # Handle chargeback
+    print(f"Chargeback: {txn_id}, Reason: {reason_code}")
+```
+
+## Subscription/Recurring Billing
+
+### Create Subscription Plan
+```python
+def create_subscription_plan(name, amount, interval='MONTH'):
+    """Create a subscription plan."""
+    client = PayPalClient(CLIENT_ID, CLIENT_SECRET)
+
+    url = f"{client.base_url}/v1/billing/plans"
+    headers = {
+        "Content-Type": "application/json",
+        "Authorization": f"Bearer {client.access_token}"
+    }
+
+    payload = {
+        "product_id": "PRODUCT_ID",  # Create product first
+        "name": name,
+        "billing_cycles": [{
+            "frequency": {
+                "interval_unit": interval,
+                "interval_count": 1
+            },
+            "tenure_type": "REGULAR",
+            "sequence": 1,
+            "total_cycles": 0,  # Infinite
+            "pricing_scheme": {
+                "fixed_price": {
+                    "value": str(amount),
+                    "currency_code": "USD"
+                }
+            }
+        }],
+        "payment_preferences": {
+            "auto_bill_outstanding": True,
+            "setup_fee": {
+                "value": "0",
+                "currency_code": "USD"
+            },
+            "setup_fee_failure_action": "CONTINUE",
+            "payment_failure_threshold": 3
+        }
+    }
+
+    response = requests.post(url, headers=headers, json=payload)
+    return response.json()
+
+def create_subscription(plan_id, subscriber_email):
+    """Create a subscription for a customer."""
+    client = PayPalClient(CLIENT_ID, CLIENT_SECRET)
+
+    url = f"{client.base_url}/v1/billing/subscriptions"
+    headers = {
+        "Content-Type": "application/json",
+        "Authorization": f"Bearer {client.access_token}"
+    }
+
+    payload = {
+        "plan_id": plan_id,
+        "subscriber": {
+            "email_address": subscriber_email
+        },
+        "application_context": {
+            "return_url": "https://yourdomain.com/subscription/success",
+            "cancel_url": "https://yourdomain.com/subscription/cancel"
+        }
+    }
+
+    response = requests.post(url, headers=headers, json=payload)
+    subscription = response.json()
+
+    # Get approval URL
+    for link in subscription.get('links', []):
+        if link['rel'] == 'approve':
+            return {
+                'subscription_id': subscription['id'],
+                'approval_url': link['href']
+            }
+```
+
+## Refund Workflows
+
+```python
+def create_refund(capture_id, amount=None, note=None):
+    """Create a refund for a captured payment."""
+    client = PayPalClient(CLIENT_ID, CLIENT_SECRET)
+
+    url = f"{client.base_url}/v2/payments/captures/{capture_id}/refund"
+    headers = {
+        "Content-Type": "application/json",
+        "Authorization": f"Bearer {client.access_token}"
+    }
+
+    payload = {}
+    if amount:
+        payload["amount"] = {
+            "value": str(amount),
+            "currency_code": "USD"
+        }
+
+    if note:
+        payload["note_to_payer"] = note
+
+    response = requests.post(url, headers=headers, json=payload)
+    return response.json()
+
+def get_refund_details(refund_id):
+    """Get refund details."""
+    client = PayPalClient(CLIENT_ID, CLIENT_SECRET)
+
+    url = f"{client.base_url}/v2/payments/refunds/{refund_id}"
+    headers = {
+        "Authorization": f"Bearer {client.access_token}"
+    }
+
+    response = requests.get(url, headers=headers)
+    return response.json()
+```
+
+## Error Handling
+
+```python
+class PayPalError(Exception):
+    """Custom PayPal error."""
+    pass
+
+def handle_paypal_api_call(api_function):
+    """Wrapper for PayPal API calls with error handling."""
+    try:
+        result = api_function()
+        return result
+    except requests.exceptions.RequestException as e:
+        # Network error
+        raise PayPalError(f"Network error: {str(e)}")
+    except Exception as e:
+        # Other errors
+        raise PayPalError(f"PayPal API error: {str(e)}")
+
+# Usage
+try:
+    order = handle_paypal_api_call(lambda: client.create_order(25.00))
+except PayPalError as e:
+    # Handle error appropriately
+    log_error(e)
+```
+
+## Testing
+
+```python
+# Use sandbox credentials
+SANDBOX_CLIENT_ID = "..."
+SANDBOX_SECRET = "..."
+
+# Test accounts
+# Create test buyer and seller accounts at developer.paypal.com
+
+def test_payment_flow():
+    """Test complete payment flow."""
+    client = PayPalClient(SANDBOX_CLIENT_ID, SANDBOX_SECRET, mode='sandbox')
+
+    # Create order
+    order = client.create_order(10.00)
+    assert 'id' in order
+
+    # Get approval URL
+    approval_url = next((link['href'] for link in order['links'] if link['rel'] == 'approve'), None)
+    assert approval_url is not None
+
+    # After approval (manual step with test account)
+    # Capture order
+    # captured = client.capture_order(order['id'])
+    # assert captured['status'] == 'COMPLETED'
+```
+
+## Resources
+
+- **references/express-checkout.md**: Express Checkout implementation guide
+- **references/ipn-handling.md**: IPN verification and processing
+- **references/refund-workflows.md**: Refund handling patterns
+- **references/billing-agreements.md**: Recurring billing setup
+- **assets/paypal-client.py**: Production PayPal client
+- **assets/ipn-processor.py**: IPN webhook processor
+- **assets/recurring-billing.py**: Subscription management
+
+## Best Practices
+
+1. **Always Verify IPN**: Never trust IPN without verification
+2. **Idempotent Processing**: Handle duplicate IPN notifications
+3. **Error Handling**: Implement robust error handling
+4. **Logging**: Log all transactions and errors
+5. **Test Thoroughly**: Use sandbox extensively
+6. **Webhook Backup**: Don't rely solely on client-side callbacks
+7. **Currency Handling**: Always specify currency explicitly
+
+## Common Pitfalls
+
+- **Not Verifying IPN**: Accepting IPN without verification
+- **Duplicate Processing**: Not checking for duplicate transactions
+- **Wrong Environment**: Mixing sandbox and production URLs/credentials
+- **Missing Webhooks**: Not handling all payment states
+- **Hardcoded Values**: Not making configurable for different environments
--- a/skills/pci-compliance/SKILL.md
+++ b/skills/pci-compliance/SKILL.md
@@ -0,0 +1,466 @@
+---
+name: pci-compliance
+description: Implement PCI DSS compliance requirements for secure handling of payment card data and payment systems. Use when securing payment processing, achieving PCI compliance, or implementing payment card security measures.
+---
+
+# PCI Compliance
+
+Master PCI DSS (Payment Card Industry Data Security Standard) compliance for secure payment processing and handling of cardholder data.
+
+## When to Use This Skill
+
+- Building payment processing systems
+- Handling credit card information
+- Implementing secure payment flows
+- Conducting PCI compliance audits
+- Reducing PCI compliance scope
+- Implementing tokenization and encryption
+- Preparing for PCI DSS assessments
+
+## PCI DSS Requirements (12 Core Requirements)
+
+### Build and Maintain Secure Network
+1. Install and maintain firewall configuration
+2. Don't use vendor-supplied defaults for passwords
+
+### Protect Cardholder Data
+3. Protect stored cardholder data
+4. Encrypt transmission of cardholder data across public networks
+
+### Maintain Vulnerability Management
+5. Protect systems against malware
+6. Develop and maintain secure systems and applications
+
+### Implement Strong Access Control
+7. Restrict access to cardholder data by business need-to-know
+8. Identify and authenticate access to system components
+9. Restrict physical access to cardholder data
+
+### Monitor and Test Networks
+10. Track and monitor all access to network resources and cardholder data
+11. Regularly test security systems and processes
+
+### Maintain Information Security Policy
+12. Maintain a policy that addresses information security
+
+## Compliance Levels
+
+**Level 1**: > 6 million transactions/year (annual ROC required)
+**Level 2**: 1-6 million transactions/year (annual SAQ)
+**Level 3**: 20,000-1 million e-commerce transactions/year
+**Level 4**: < 20,000 e-commerce or < 1 million total transactions
+
+## Data Minimization (Never Store)
+
+```python
+# NEVER STORE THESE
+PROHIBITED_DATA = {
+    'full_track_data': 'Magnetic stripe data',
+    'cvv': 'Card verification code/value',
+    'pin': 'PIN or PIN block'
+}
+
+# CAN STORE (if encrypted)
+ALLOWED_DATA = {
+    'pan': 'Primary Account Number (card number)',
+    'cardholder_name': 'Name on card',
+    'expiration_date': 'Card expiration',
+    'service_code': 'Service code'
+}
+
+class PaymentData:
+    """Safe payment data handling."""
+
+    def __init__(self):
+        self.prohibited_fields = ['cvv', 'cvv2', 'cvc', 'pin']
+
+    def sanitize_log(self, data):
+        """Remove sensitive data from logs."""
+        sanitized = data.copy()
+
+        # Mask PAN
+        if 'card_number' in sanitized:
+            card = sanitized['card_number']
+            sanitized['card_number'] = f"{card[:6]}{'*' * (len(card) - 10)}{card[-4:]}"
+
+        # Remove prohibited data
+        for field in self.prohibited_fields:
+            sanitized.pop(field, None)
+
+        return sanitized
+
+    def validate_no_prohibited_storage(self, data):
+        """Ensure no prohibited data is being stored."""
+        for field in self.prohibited_fields:
+            if field in data:
+                raise SecurityError(f"Attempting to store prohibited field: {field}")
+```
+
+## Tokenization
+
+### Using Payment Processor Tokens
+```python
+import stripe
+
+class TokenizedPayment:
+    """Handle payments using tokens (no card data on server)."""
+
+    @staticmethod
+    def create_payment_method_token(card_details):
+        """Create token from card details (client-side only)."""
+        # THIS SHOULD ONLY BE DONE CLIENT-SIDE WITH STRIPE.JS
+        # NEVER send card details to your server
+
+        """
+        // Frontend JavaScript
+        const stripe = Stripe('pk_...');
+
+        const {token, error} = await stripe.createToken({
+            card: {
+                number: '4242424242424242',
+                exp_month: 12,
+                exp_year: 2024,
+                cvc: '123'
+            }
+        });
+
+        // Send token.id to server (NOT card details)
+        """
+        pass
+
+    @staticmethod
+    def charge_with_token(token_id, amount):
+        """Charge using token (server-side)."""
+        # Your server only sees the token, never the card number
+        stripe.api_key = "sk_..."
+
+        charge = stripe.Charge.create(
+            amount=amount,
+            currency="usd",
+            source=token_id,  # Token instead of card details
+            description="Payment"
+        )
+
+        return charge
+
+    @staticmethod
+    def store_payment_method(customer_id, payment_method_token):
+        """Store payment method as token for future use."""
+        stripe.Customer.modify(
+            customer_id,
+            source=payment_method_token
+        )
+
+        # Store only customer_id and payment_method_id in your database
+        # NEVER store actual card details
+        return {
+            'customer_id': customer_id,
+            'has_payment_method': True
+            # DO NOT store: card number, CVV, etc.
+        }
+```
+
+### Custom Tokenization (Advanced)
+```python
+import secrets
+from cryptography.fernet import Fernet
+
+class TokenVault:
+    """Secure token vault for card data (if you must store it)."""
+
+    def __init__(self, encryption_key):
+        self.cipher = Fernet(encryption_key)
+        self.vault = {}  # In production: use encrypted database
+
+    def tokenize(self, card_data):
+        """Convert card data to token."""
+        # Generate secure random token
+        token = secrets.token_urlsafe(32)
+
+        # Encrypt card data
+        encrypted = self.cipher.encrypt(json.dumps(card_data).encode())
+
+        # Store token -> encrypted data mapping
+        self.vault[token] = encrypted
+
+        return token
+
+    def detokenize(self, token):
+        """Retrieve card data from token."""
+        encrypted = self.vault.get(token)
+        if not encrypted:
+            raise ValueError("Token not found")
+
+        # Decrypt
+        decrypted = self.cipher.decrypt(encrypted)
+        return json.loads(decrypted.decode())
+
+    def delete_token(self, token):
+        """Remove token from vault."""
+        self.vault.pop(token, None)
+```
+
+## Encryption
+
+### Data at Rest
+```python
+from cryptography.hazmat.primitives.ciphers.aead import AESGCM
+import os
+
+class EncryptedStorage:
+    """Encrypt data at rest using AES-256-GCM."""
+
+    def __init__(self, encryption_key):
+        """Initialize with 256-bit key."""
+        self.key = encryption_key  # Must be 32 bytes
+
+    def encrypt(self, plaintext):
+        """Encrypt data."""
+        # Generate random nonce
+        nonce = os.urandom(12)
+
+        # Encrypt
+        aesgcm = AESGCM(self.key)
+        ciphertext = aesgcm.encrypt(nonce, plaintext.encode(), None)
+
+        # Return nonce + ciphertext
+        return nonce + ciphertext
+
+    def decrypt(self, encrypted_data):
+        """Decrypt data."""
+        # Extract nonce and ciphertext
+        nonce = encrypted_data[:12]
+        ciphertext = encrypted_data[12:]
+
+        # Decrypt
+        aesgcm = AESGCM(self.key)
+        plaintext = aesgcm.decrypt(nonce, ciphertext, None)
+
+        return plaintext.decode()
+
+# Usage
+storage = EncryptedStorage(os.urandom(32))
+encrypted_pan = storage.encrypt("4242424242424242")
+# Store encrypted_pan in database
+```
+
+### Data in Transit
+```python
+# Always use TLS 1.2 or higher
+# Flask/Django example
+app.config['SESSION_COOKIE_SECURE'] = True  # HTTPS only
+app.config['SESSION_COOKIE_HTTPONLY'] = True
+app.config['SESSION_COOKIE_SAMESITE'] = 'Strict'
+
+# Enforce HTTPS
+from flask_talisman import Talisman
+Talisman(app, force_https=True)
+```
+
+## Access Control
+
+```python
+from functools import wraps
+from flask import session
+
+def require_pci_access(f):
+    """Decorator to restrict access to cardholder data."""
+    @wraps(f)
+    def decorated_function(*args, **kwargs):
+        user = session.get('user')
+
+        # Check if user has PCI access role
+        if not user or 'pci_access' not in user.get('roles', []):
+            return {'error': 'Unauthorized access to cardholder data'}, 403
+
+        # Log access attempt
+        audit_log(
+            user=user['id'],
+            action='access_cardholder_data',
+            resource=f.__name__
+        )
+
+        return f(*args, **kwargs)
+
+    return decorated_function
+
+@app.route('/api/payment-methods')
+@require_pci_access
+def get_payment_methods():
+    """Retrieve payment methods (restricted access)."""
+    # Only accessible to users with pci_access role
+    pass
+```
+
+## Audit Logging
+
+```python
+import logging
+from datetime import datetime
+
+class PCIAuditLogger:
+    """PCI-compliant audit logging."""
+
+    def __init__(self):
+        self.logger = logging.getLogger('pci_audit')
+        # Configure to write to secure, append-only log
+
+    def log_access(self, user_id, resource, action, result):
+        """Log access to cardholder data."""
+        entry = {
+            'timestamp': datetime.utcnow().isoformat(),
+            'user_id': user_id,
+            'resource': resource,
+            'action': action,
+            'result': result,
+            'ip_address': request.remote_addr
+        }
+
+        self.logger.info(json.dumps(entry))
+
+    def log_authentication(self, user_id, success, method):
+        """Log authentication attempt."""
+        entry = {
+            'timestamp': datetime.utcnow().isoformat(),
+            'user_id': user_id,
+            'event': 'authentication',
+            'success': success,
+            'method': method,
+            'ip_address': request.remote_addr
+        }
+
+        self.logger.info(json.dumps(entry))
+
+# Usage
+audit = PCIAuditLogger()
+audit.log_access(user_id=123, resource='payment_methods', action='read', result='success')
+```
+
+## Security Best Practices
+
+### Input Validation
+```python
+import re
+
+def validate_card_number(card_number):
+    """Validate card number format (Luhn algorithm)."""
+    # Remove spaces and dashes
+    card_number = re.sub(r'[\s-]', '', card_number)
+
+    # Check if all digits
+    if not card_number.isdigit():
+        return False
+
+    # Luhn algorithm
+    def luhn_checksum(card_num):
+        def digits_of(n):
+            return [int(d) for d in str(n)]
+
+        digits = digits_of(card_num)
+        odd_digits = digits[-1::-2]
+        even_digits = digits[-2::-2]
+        checksum = sum(odd_digits)
+        for d in even_digits:
+            checksum += sum(digits_of(d * 2))
+        return checksum % 10
+
+    return luhn_checksum(card_number) == 0
+
+def sanitize_input(user_input):
+    """Sanitize user input to prevent injection."""
+    # Remove special characters
+    # Validate against expected format
+    # Escape for database queries
+    pass
+```
+
+## PCI DSS SAQ (Self-Assessment Questionnaire)
+
+### SAQ A (Least Requirements)
+- E-commerce using hosted payment page
+- No card data on your systems
+- ~20 questions
+
+### SAQ A-EP
+- E-commerce with embedded payment form
+- Uses JavaScript to handle card data
+- ~180 questions
+
+### SAQ D (Most Requirements)
+- Store, process, or transmit card data
+- Full PCI DSS requirements
+- ~300 questions
+
+## Compliance Checklist
+
+```python
+PCI_COMPLIANCE_CHECKLIST = {
+    'network_security': [
+        'Firewall configured and maintained',
+        'No vendor default passwords',
+        'Network segmentation implemented'
+    ],
+    'data_protection': [
+        'No storage of CVV, track data, or PIN',
+        'PAN encrypted when stored',
+        'PAN masked when displayed',
+        'Encryption keys properly managed'
+    ],
+    'vulnerability_management': [
+        'Anti-virus installed and updated',
+        'Secure development practices',
+        'Regular security patches',
+        'Vulnerability scanning performed'
+    ],
+    'access_control': [
+        'Access restricted by role',
+        'Unique IDs for all users',
+        'Multi-factor authentication',
+        'Physical security measures'
+    ],
+    'monitoring': [
+        'Audit logs enabled',
+        'Log review process',
+        'File integrity monitoring',
+        'Regular security testing'
+    ],
+    'policy': [
+        'Security policy documented',
+        'Risk assessment performed',
+        'Security awareness training',
+        'Incident response plan'
+    ]
+}
+```
+
+## Resources
+
+- **references/data-minimization.md**: Never store prohibited data
+- **references/tokenization.md**: Tokenization strategies
+- **references/encryption.md**: Encryption requirements
+- **references/access-control.md**: Role-based access
+- **references/audit-logging.md**: Comprehensive logging
+- **assets/pci-compliance-checklist.md**: Complete checklist
+- **assets/encrypted-storage.py**: Encryption utilities
+- **scripts/audit-payment-system.sh**: Compliance audit script
+
+## Common Violations
+
+1. **Storing CVV**: Never store card verification codes
+2. **Unencrypted PAN**: Card numbers must be encrypted at rest
+3. **Weak Encryption**: Use AES-256 or equivalent
+4. **No Access Controls**: Restrict who can access cardholder data
+5. **Missing Audit Logs**: Must log all access to payment data
+6. **Insecure Transmission**: Always use TLS 1.2+
+7. **Default Passwords**: Change all default credentials
+8. **No Security Testing**: Regular penetration testing required
+
+## Reducing PCI Scope
+
+1. **Use Hosted Payments**: Stripe Checkout, PayPal, etc.
+2. **Tokenization**: Replace card data with tokens
+3. **Network Segmentation**: Isolate cardholder data environment
+4. **Outsource**: Use PCI-compliant payment processors
+5. **No Storage**: Never store full card details
+
+By minimizing systems that touch card data, you reduce compliance burden significantly.
--- a/skills/stripe-integration/SKILL.md
+++ b/skills/stripe-integration/SKILL.md
@@ -0,0 +1,442 @@
+---
+name: stripe-integration
+description: Implement Stripe payment processing for robust, PCI-compliant payment flows including checkout, subscriptions, and webhooks. Use when integrating Stripe payments, building subscription systems, or implementing secure checkout flows.
+---
+
+# Stripe Integration
+
+Master Stripe payment processing integration for robust, PCI-compliant payment flows including checkout, subscriptions, webhooks, and refunds.
+
+## When to Use This Skill
+
+- Implementing payment processing in web/mobile applications
+- Setting up subscription billing systems
+- Handling one-time payments and recurring charges
+- Processing refunds and disputes
+- Managing customer payment methods
+- Implementing SCA (Strong Customer Authentication) for European payments
+- Building marketplace payment flows with Stripe Connect
+
+## Core Concepts
+
+### 1. Payment Flows
+**Checkout Session (Hosted)**
+- Stripe-hosted payment page
+- Minimal PCI compliance burden
+- Fastest implementation
+- Supports one-time and recurring payments
+
+**Payment Intents (Custom UI)**
+- Full control over payment UI
+- Requires Stripe.js for PCI compliance
+- More complex implementation
+- Better customization options
+
+**Setup Intents (Save Payment Methods)**
+- Collect payment method without charging
+- Used for subscriptions and future payments
+- Requires customer confirmation
+
+### 2. Webhooks
+**Critical Events:**
+- `payment_intent.succeeded`: Payment completed
+- `payment_intent.payment_failed`: Payment failed
+- `customer.subscription.updated`: Subscription changed
+- `customer.subscription.deleted`: Subscription canceled
+- `charge.refunded`: Refund processed
+- `invoice.payment_succeeded`: Subscription payment successful
+
+### 3. Subscriptions
+**Components:**
+- **Product**: What you're selling
+- **Price**: How much and how often
+- **Subscription**: Customer's recurring payment
+- **Invoice**: Generated for each billing cycle
+
+### 4. Customer Management
+- Create and manage customer records
+- Store multiple payment methods
+- Track customer metadata
+- Manage billing details
+
+## Quick Start
+
+```python
+import stripe
+
+stripe.api_key = "sk_test_..."
+
+# Create a checkout session
+session = stripe.checkout.Session.create(
+    payment_method_types=['card'],
+    line_items=[{
+        'price_data': {
+            'currency': 'usd',
+            'product_data': {
+                'name': 'Premium Subscription',
+            },
+            'unit_amount': 2000,  # $20.00
+            'recurring': {
+                'interval': 'month',
+            },
+        },
+        'quantity': 1,
+    }],
+    mode='subscription',
+    success_url='https://yourdomain.com/success?session_id={CHECKOUT_SESSION_ID}',
+    cancel_url='https://yourdomain.com/cancel',
+)
+
+# Redirect user to session.url
+print(session.url)
+```
+
+## Payment Implementation Patterns
+
+### Pattern 1: One-Time Payment (Hosted Checkout)
+```python
+def create_checkout_session(amount, currency='usd'):
+    """Create a one-time payment checkout session."""
+    try:
+        session = stripe.checkout.Session.create(
+            payment_method_types=['card'],
+            line_items=[{
+                'price_data': {
+                    'currency': currency,
+                    'product_data': {
+                        'name': 'Purchase',
+                        'images': ['https://example.com/product.jpg'],
+                    },
+                    'unit_amount': amount,  # Amount in cents
+                },
+                'quantity': 1,
+            }],
+            mode='payment',
+            success_url='https://yourdomain.com/success?session_id={CHECKOUT_SESSION_ID}',
+            cancel_url='https://yourdomain.com/cancel',
+            metadata={
+                'order_id': 'order_123',
+                'user_id': 'user_456'
+            }
+        )
+        return session
+    except stripe.error.StripeError as e:
+        # Handle error
+        print(f"Stripe error: {e.user_message}")
+        raise
+```
+
+### Pattern 2: Custom Payment Intent Flow
+```python
+def create_payment_intent(amount, currency='usd', customer_id=None):
+    """Create a payment intent for custom checkout UI."""
+    intent = stripe.PaymentIntent.create(
+        amount=amount,
+        currency=currency,
+        customer=customer_id,
+        automatic_payment_methods={
+            'enabled': True,
+        },
+        metadata={
+            'integration_check': 'accept_a_payment'
+        }
+    )
+    return intent.client_secret  # Send to frontend
+
+# Frontend (JavaScript)
+"""
+const stripe = Stripe('pk_test_...');
+const elements = stripe.elements();
+const cardElement = elements.create('card');
+cardElement.mount('#card-element');
+
+const {error, paymentIntent} = await stripe.confirmCardPayment(
+    clientSecret,
+    {
+        payment_method: {
+            card: cardElement,
+            billing_details: {
+                name: 'Customer Name'
+            }
+        }
+    }
+);
+
+if (error) {
+    // Handle error
+} else if (paymentIntent.status === 'succeeded') {
+    // Payment successful
+}
+"""
+```
+
+### Pattern 3: Subscription Creation
+```python
+def create_subscription(customer_id, price_id):
+    """Create a subscription for a customer."""
+    try:
+        subscription = stripe.Subscription.create(
+            customer=customer_id,
+            items=[{'price': price_id}],
+            payment_behavior='default_incomplete',
+            payment_settings={'save_default_payment_method': 'on_subscription'},
+            expand=['latest_invoice.payment_intent'],
+        )
+
+        return {
+            'subscription_id': subscription.id,
+            'client_secret': subscription.latest_invoice.payment_intent.client_secret
+        }
+    except stripe.error.StripeError as e:
+        print(f"Subscription creation failed: {e}")
+        raise
+```
+
+### Pattern 4: Customer Portal
+```python
+def create_customer_portal_session(customer_id):
+    """Create a portal session for customers to manage subscriptions."""
+    session = stripe.billing_portal.Session.create(
+        customer=customer_id,
+        return_url='https://yourdomain.com/account',
+    )
+    return session.url  # Redirect customer here
+```
+
+## Webhook Handling
+
+### Secure Webhook Endpoint
+```python
+from flask import Flask, request
+import stripe
+
+app = Flask(__name__)
+
+endpoint_secret = 'whsec_...'
+
+@app.route('/webhook', methods=['POST'])
+def webhook():
+    payload = request.data
+    sig_header = request.headers.get('Stripe-Signature')
+
+    try:
+        event = stripe.Webhook.construct_event(
+            payload, sig_header, endpoint_secret
+        )
+    except ValueError:
+        # Invalid payload
+        return 'Invalid payload', 400
+    except stripe.error.SignatureVerificationError:
+        # Invalid signature
+        return 'Invalid signature', 400
+
+    # Handle the event
+    if event['type'] == 'payment_intent.succeeded':
+        payment_intent = event['data']['object']
+        handle_successful_payment(payment_intent)
+    elif event['type'] == 'payment_intent.payment_failed':
+        payment_intent = event['data']['object']
+        handle_failed_payment(payment_intent)
+    elif event['type'] == 'customer.subscription.deleted':
+        subscription = event['data']['object']
+        handle_subscription_canceled(subscription)
+
+    return 'Success', 200
+
+def handle_successful_payment(payment_intent):
+    """Process successful payment."""
+    customer_id = payment_intent.get('customer')
+    amount = payment_intent['amount']
+    metadata = payment_intent.get('metadata', {})
+
+    # Update your database
+    # Send confirmation email
+    # Fulfill order
+    print(f"Payment succeeded: {payment_intent['id']}")
+
+def handle_failed_payment(payment_intent):
+    """Handle failed payment."""
+    error = payment_intent.get('last_payment_error', {})
+    print(f"Payment failed: {error.get('message')}")
+    # Notify customer
+    # Update order status
+
+def handle_subscription_canceled(subscription):
+    """Handle subscription cancellation."""
+    customer_id = subscription['customer']
+    # Update user access
+    # Send cancellation email
+    print(f"Subscription canceled: {subscription['id']}")
+```
+
+### Webhook Best Practices
+```python
+import hashlib
+import hmac
+
+def verify_webhook_signature(payload, signature, secret):
+    """Manually verify webhook signature."""
+    expected_sig = hmac.new(
+        secret.encode('utf-8'),
+        payload,
+        hashlib.sha256
+    ).hexdigest()
+
+    return hmac.compare_digest(signature, expected_sig)
+
+def handle_webhook_idempotently(event_id, handler):
+    """Ensure webhook is processed exactly once."""
+    # Check if event already processed
+    if is_event_processed(event_id):
+        return
+
+    # Process event
+    try:
+        handler()
+        mark_event_processed(event_id)
+    except Exception as e:
+        log_error(e)
+        # Stripe will retry failed webhooks
+        raise
+```
+
+## Customer Management
+
+```python
+def create_customer(email, name, payment_method_id=None):
+    """Create a Stripe customer."""
+    customer = stripe.Customer.create(
+        email=email,
+        name=name,
+        payment_method=payment_method_id,
+        invoice_settings={
+            'default_payment_method': payment_method_id
+        } if payment_method_id else None,
+        metadata={
+            'user_id': '12345'
+        }
+    )
+    return customer
+
+def attach_payment_method(customer_id, payment_method_id):
+    """Attach a payment method to a customer."""
+    stripe.PaymentMethod.attach(
+        payment_method_id,
+        customer=customer_id
+    )
+
+    # Set as default
+    stripe.Customer.modify(
+        customer_id,
+        invoice_settings={
+            'default_payment_method': payment_method_id
+        }
+    )
+
+def list_customer_payment_methods(customer_id):
+    """List all payment methods for a customer."""
+    payment_methods = stripe.PaymentMethod.list(
+        customer=customer_id,
+        type='card'
+    )
+    return payment_methods.data
+```
+
+## Refund Handling
+
+```python
+def create_refund(payment_intent_id, amount=None, reason=None):
+    """Create a refund."""
+    refund_params = {
+        'payment_intent': payment_intent_id
+    }
+
+    if amount:
+        refund_params['amount'] = amount  # Partial refund
+
+    if reason:
+        refund_params['reason'] = reason  # 'duplicate', 'fraudulent', 'requested_by_customer'
+
+    refund = stripe.Refund.create(**refund_params)
+    return refund
+
+def handle_dispute(charge_id, evidence):
+    """Update dispute with evidence."""
+    stripe.Dispute.modify(
+        charge_id,
+        evidence={
+            'customer_name': evidence.get('customer_name'),
+            'customer_email_address': evidence.get('customer_email'),
+            'shipping_documentation': evidence.get('shipping_proof'),
+            'customer_communication': evidence.get('communication'),
+        }
+    )
+```
+
+## Testing
+
+```python
+# Use test mode keys
+stripe.api_key = "sk_test_..."
+
+# Test card numbers
+TEST_CARDS = {
+    'success': '4242424242424242',
+    'declined': '4000000000000002',
+    '3d_secure': '4000002500003155',
+    'insufficient_funds': '4000000000009995'
+}
+
+def test_payment_flow():
+    """Test complete payment flow."""
+    # Create test customer
+    customer = stripe.Customer.create(
+        email="test@example.com"
+    )
+
+    # Create payment intent
+    intent = stripe.PaymentIntent.create(
+        amount=1000,
+        currency='usd',
+        customer=customer.id,
+        payment_method_types=['card']
+    )
+
+    # Confirm with test card
+    confirmed = stripe.PaymentIntent.confirm(
+        intent.id,
+        payment_method='pm_card_visa'  # Test payment method
+    )
+
+    assert confirmed.status == 'succeeded'
+```
+
+## Resources
+
+- **references/checkout-flows.md**: Detailed checkout implementation
+- **references/webhook-handling.md**: Webhook security and processing
+- **references/subscription-management.md**: Subscription lifecycle
+- **references/customer-management.md**: Customer and payment method handling
+- **references/invoice-generation.md**: Invoicing and billing
+- **assets/stripe-client.py**: Production-ready Stripe client wrapper
+- **assets/webhook-handler.py**: Complete webhook processor
+- **assets/checkout-config.json**: Checkout configuration templates
+
+## Best Practices
+
+1. **Always Use Webhooks**: Don't rely solely on client-side confirmation
+2. **Idempotency**: Handle webhook events idempotently
+3. **Error Handling**: Gracefully handle all Stripe errors
+4. **Test Mode**: Thoroughly test with test keys before production
+5. **Metadata**: Use metadata to link Stripe objects to your database
+6. **Monitoring**: Track payment success rates and errors
+7. **PCI Compliance**: Never handle raw card data on your server
+8. **SCA Ready**: Implement 3D Secure for European payments
+
+## Common Pitfalls
+
+- **Not Verifying Webhooks**: Always verify webhook signatures
+- **Missing Webhook Events**: Handle all relevant webhook events
+- **Hardcoded Amounts**: Use cents/smallest currency unit
+- **No Retry Logic**: Implement retries for API calls
+- **Ignoring Test Mode**: Test all edge cases with test cards