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+---
+title: Payment Gateway Integration PRD
+type: prd
+status: draft
+created: 2025-11-04
+updated: 2025-11-04
+---
+
+# Product Requirements Document: Payment Gateway Integration
+
+## Objectives
+
+### Primary Objectives
+
+1. **Enable Real-time Online Payment Processing**
+   - **Goal**: Allow customers to complete purchases instantly without manual invoice processing
+   - **Measure**: Checkout conversion rate and average checkout time
+   - **Target**: 75% conversion rate (up from 55%), average checkout time under 45 seconds
+   - **Timeline**: Launch by Q2 2026, achieve targets within 3 months post-launch
+   - **Why it matters**: Eliminates primary source of cart abandonment (45% currently) and recovers $1.8M in lost annual revenue
+
+2. **Reduce Operational Costs and Manual Work**
+   - **Goal**: Automate payment processing and reconciliation to eliminate manual labor
+   - **Measure**: Hours spent on manual payment processing and reconciliation
+   - **Target**: Reduce from 20 hours/week to 4 hours/week (80% reduction)
+   - **Timeline**: Immediate upon launch
+   - **Why it matters**: Saves $100K annually in labor costs, allows sales/finance teams to focus on high-value work
+
+3. **Improve Customer Satisfaction with Modern Checkout**
+   - **Goal**: Provide seamless, secure checkout experience matching major e-commerce sites
+   - **Measure**: NPS score for checkout experience and payment-related support tickets
+   - **Target**: NPS 50+ (up from 35), reduce payment support tickets by 50%
+   - **Timeline**: Measure within 30 days post-launch
+   - **Why it matters**: Customer satisfaction drives repeat purchases and positive word-of-mouth
+
+### Secondary Objectives
+
+1. Enable subscription and recurring billing capabilities (Phase 2 - deferred 6-12 months)
+2. Support international currencies and payment methods (Phase 2 - market dependent)
+
+## Success Criteria
+
+### Launch Criteria (Must-Have)
+
+**Functional Completeness**
+- [ ] Process 100 test transactions with 0% failure rate
+- [ ] Support card payments (Visa, MC, Amex, Discover) and digital wallets (Apple Pay, Google Pay)
+- [ ] One-click checkout functional for returning customers with saved payment methods
+- [ ] Integration with Salesforce CRM and QuickBooks accounting complete
+- [ ] Email confirmations sent within 30 seconds of successful payment
+
+**Quality Standards**
+- [ ] Payment processing time <3 seconds at 95th percentile
+- [ ] Checkout page load time <2 seconds
+- [ ] PCI DSS SAQ-A compliance validation complete
+- [ ] Security audit passed with zero critical vulnerabilities
+- [ ] Mobile-responsive checkout tested on iOS and Android
+
+**Operational Readiness**
+- [ ] Stripe integration monitoring and alerting configured
+- [ ] Webhook processing with retry logic implemented
+- [ ] Runbooks for common payment issues created
+- [ ] Support team trained on new checkout flow and troubleshooting
+- [ ] Customer-facing documentation published
+
+### Success Metrics (Post-Launch)
+
+**Adoption Metrics (30 days)**
+- [ ] **Transaction volume**: 0 → 1,000+ online transactions processed
+- [ ] **Saved payment adoption**: 60% of customers save payment method on first use
+
+**Engagement Metrics (30 days)**
+- [ ] **Checkout conversion**: 55% → 75% (reduce abandonment 45% → 25%)
+- [ ] **Average checkout time**: N/A → 45 seconds (90th percentile)
+
+**Business Metrics (90 days)**
+- [ ] **Revenue recovery**: $150K+ in previously abandoned cart revenue
+- [ ] **Operational cost reduction**: 80% reduction in manual payment processing time
+- [ ] **Customer satisfaction**: NPS 35 → 50+ for checkout experience
+
+**Quality Metrics (30 days)**
+- [ ] **Payment success rate**: 98%+ of initiated transactions complete successfully
+- [ ] **System uptime**: 99.9%+ (max 45 minutes downtime per month)
+- [ ] **Support ticket reduction**: 50% fewer payment-related inquiries
+
+## Functional Requirements
+
+### FR1: Credit/Debit Card Payment Processing
+
+**Description**: Process credit and debit card payments securely in real-time with instant confirmation
+
+**User Story**: As an online shopper, I want to pay with my credit/debit card directly on the checkout page, so that I can complete my purchase immediately without waiting for invoices
+
+**Inputs**:
+- Card number, expiration date, CVV (via Stripe Elements)
+- Billing address
+- Purchase amount and order details
+- Customer email
+
+**Outputs**:
+- Payment confirmation with transaction ID
+- Order receipt via email
+- Updated order status in CRM
+
+**Business Rules**:
+- Accept Visa, Mastercard, American Express, Discover
+- Require CVV for all transactions (fraud prevention)
+- Maximum transaction amount: $10,000 (fraud threshold)
+- Minimum transaction amount: $1.00
+
+**Acceptance Criteria**:
+- [ ] Given valid card details, when customer submits payment, then transaction processes in <3 seconds
+- [ ] Given invalid card number, when customer submits, then clear error message displays before submission
+- [ ] Given successful payment, when transaction completes, then confirmation email sent within 30 seconds
+- [ ] Given payment failure, when Stripe returns error, then user-friendly message explains issue and suggests resolution
+
+**Priority**: Must Have
+
+**Dependencies**: Stripe API integration, email service (SendGrid)
+
+---
+
+### FR2: Digital Wallet Support (Apple Pay / Google Pay)
+
+**Description**: Enable payment via Apple Pay and Google Pay for faster mobile checkout
+
+**User Story**: As a mobile shopper, I want to pay with Apple Pay/Google Pay, so that I can checkout with a single tap using my saved payment method
+
+**Inputs**:
+- Apple Pay/Google Pay token
+- Purchase amount
+- Shipping address (from wallet if available)
+
+**Outputs**:
+- Payment confirmation
+- Order receipt
+
+**Business Rules**:
+- Available only on supported browsers/devices
+- Gracefully degrade to card entry if wallet unavailable
+- Auto-fill shipping address from wallet when possible
+
+**Acceptance Criteria**:
+- [ ] Given iPhone with Apple Pay, when user selects Apple Pay, then payment completes with Face ID/Touch ID
+- [ ] Given Android with Google Pay, when user selects Google Pay, then payment completes with fingerprint/PIN
+- [ ] Given wallet payment, when user confirms, then checkout completes in <10 seconds total
+- [ ] Given unsupported browser, when checkout loads, then wallet buttons hidden and card entry shown
+
+**Priority**: Should Have
+
+**Dependencies**: Stripe Payment Request API, HTTPS (required for Apple Pay)
+
+---
+
+### FR3: Saved Payment Methods (One-Click Checkout)
+
+**Description**: Allow customers to securely save payment methods for faster future checkouts
+
+**User Story**: As a returning customer, I want to save my payment method, so that I can checkout with one click on future purchases without re-entering my card
+
+**Inputs**:
+- "Save payment method" checkbox selection
+- Customer account (must be logged in)
+- Payment method details (tokenized by Stripe)
+
+**Outputs**:
+- Payment method saved to customer account (Stripe token stored)
+- Display last 4 digits and card brand in account
+
+**Business Rules**:
+- Maximum 5 saved payment methods per customer
+- Must be logged in to save payment method
+- Can set one method as default
+- Can delete saved methods anytime
+
+**Acceptance Criteria**:
+- [ ] Given logged-in customer, when they check "save payment method", then method saved after successful payment
+- [ ] Given returning customer, when they view saved methods, then see last 4 digits and expiration date (not full number)
+- [ ] Given saved payment method, when customer selects it at checkout, then auto-fills payment form
+- [ ] Given multiple saved methods, when customer sets default, then it pre-selects at checkout
+
+**Priority**: Must Have
+
+**Dependencies**: FR1, user authentication, Stripe payment methods API
+
+---
+
+### FR4: CRM Integration (Salesforce)
+
+**Description**: Automatically sync payment transactions and customer payment methods with Salesforce CRM
+
+**User Story**: As a sales rep, I want payment information automatically updated in Salesforce, so that I have complete customer transaction history without manual entry
+
+**Inputs**:
+- Successful payment transaction
+- Customer email (matches Salesforce contact)
+- Order details
+
+**Outputs**:
+- Salesforce opportunity updated to "Closed Won"
+- Transaction record created in Salesforce
+- Customer payment method status updated
+
+**Business Rules**:
+- Match customers by email address
+- Create new contact if email not found
+- Update opportunity within 5 minutes of payment
+- Store only last 4 digits of card in Salesforce
+
+**Acceptance Criteria**:
+- [ ] Given successful payment, when transaction completes, then Salesforce opportunity updated within 5 minutes
+- [ ] Given new customer, when payment completes, then new Salesforce contact created
+- [ ] Given existing customer, when payment completes, then transaction added to existing contact
+- [ ] Given CRM sync failure, when Stripe payment succeeds, then retry CRM update 3 times with exponential backoff
+
+**Priority**: Must Have
+
+**Dependencies**: Salesforce API access, webhook processing
+
+---
+
+### FR5: Accounting Integration (QuickBooks)
+
+**Description**: Automatically post successful transactions to QuickBooks for revenue recognition and reconciliation
+
+**User Story**: As a finance team member, I want transactions automatically posted to QuickBooks, so that I don't spend 20 hours/week on manual data entry and reconciliation
+
+**Inputs**:
+- Successful payment transaction
+- Customer details
+- Product/service purchased
+- Payment amount and fees
+
+**Outputs**:
+- QuickBooks invoice created and marked paid
+- Revenue recognized in correct account
+- Stripe fees recorded as expense
+
+**Business Rules**:
+- Post within 1 hour of successful payment
+- Separate revenue and Stripe fees into different accounts
+- Match customer to existing QuickBooks customer or create new
+- Handle partial refunds correctly
+
+**Acceptance Criteria**:
+- [ ] Given successful payment, when transaction completes, then QuickBooks invoice posted within 1 hour
+- [ ] Given $100 transaction with $3.20 Stripe fee, when posted, then $100 revenue and $3.20 fee expense recorded
+- [ ] Given full refund, when processed, then QuickBooks invoice voided
+- [ ] Given partial refund, when processed, then credit memo created for refund amount
+
+**Priority**: Should Have
+
+**Dependencies**: QuickBooks API integration, webhook processing
+
+---
+
+## Non-Functional Requirements
+
+### NFR1: Performance
+
+**Response Time**:
+- Payment API calls: <500ms at 95th percentile
+- Checkout page load: <2 seconds
+- Payment processing (submit to confirmation): <3 seconds at 95th percentile
+
+**Throughput**:
+- Support 1,000 concurrent users during peak sales
+- Process 150 transactions per hour during peak load
+- Handle webhook processing for 200 events/hour
+
+**Testing Requirements**:
+- Load test with 1,000 concurrent users for 1 hour
+- Stress test to 2x expected peak load
+
+---
+
+### NFR2: Security
+
+**Authentication/Authorization**:
+- API keys stored in environment variables (never in code)
+- Use Stripe API key with minimum required permissions
+- Session-based auth for saved payment methods (must be logged in)
+
+**Data Protection**:
+- Never store raw credit card numbers (use Stripe tokens only)
+- All payment data transmitted via TLS 1.3
+- PCI DSS SAQ-A compliance (tokenization model)
+- 3D Secure 2.0 enabled for high-risk transactions
+
+**Compliance**:
+- Complete PCI DSS SAQ-A questionnaire annually
+- GDPR compliant (support payment method deletion requests)
+- SOC 2 compliant webhook processing
+
+**Security Testing**:
+- Pass OWASP Top 10 security audit
+- Penetration testing before launch
+- Annual security review
+
+---
+
+### NFR3: Reliability
+
+**Availability**:
+- 99.9% uptime SLA (maximum 45 minutes downtime per month)
+- Graceful degradation if Stripe API unavailable
+
+**Error Handling**:
+- Retry transient Stripe API failures (3 retries with exponential backoff)
+- Display user-friendly error messages (never show raw API errors)
+- Log all errors for debugging and alerting
+
+**Data Integrity**:
+- Idempotent payment processing (prevent duplicate charges)
+- Webhook processing with deduplication
+- Transaction logging for audit trail
+
+**Monitoring & Alerting**:
+- Alert if payment success rate <95% over 15-minute window
+- Alert if average response time >5 seconds
+- Alert on any Stripe webhook failures
+- Daily reconciliation report comparing Stripe transactions to database
+
+---
+
+### NFR4: Usability
+
+**Checkout Experience**:
+- Maximum 4 steps to complete checkout (cart → info → payment → confirm)
+- Guest checkout option (no account required)
+- Auto-fill billing address from shipping address
+- Clear progress indicator showing checkout steps
+
+**Mobile Experience**:
+- Fully responsive design (mobile, tablet, desktop)
+- Digital wallet buttons prominent on mobile
+- Card input fields optimized for mobile keyboards
+- Minimum tap target size 44x44 pixels
+
+**Accessibility**:
+- WCAG 2.1 AA compliance
+- Keyboard navigation for all form fields
+- Screen reader compatible
+- Clear focus indicators
+
+**Error Messages**:
+- Specific, actionable error messages ("Card declined - try different card" not "Error 402")
+- Inline validation (show errors immediately, not after submit)
+- Error summary at top of form
+
+---
+
+## Constraints
+
+**Technical Constraints**:
+- Must use Stripe as payment processor (existing vendor relationship)
+- Must integrate with existing Salesforce CRM instance
+- Must use existing QuickBooks accounting system
+- Frontend must support IE11+ (legacy enterprise requirement)
+
+**Business Constraints**:
+- Launch deadline: June 30, 2026 (hard deadline for fiscal year)
+- Budget: $150K total (development + first year transaction fees)
+- Transaction fee budget: 3% of GMV (already factored into pricing)
+
+**Regulatory Constraints**:
+- PCI DSS compliance required (using SAQ-A)
+- GDPR compliance (right to deletion of payment data)
+- State sales tax collection required (out of scope for payment integration)
+
+**Resource Constraints**:
+- 2 frontend engineers, 1 backend engineer, 1 QA engineer
+- 16-week development timeline (4 sprints of 4 weeks each)
+- No dedicated DevOps engineer (must use existing infrastructure)
+
+---
+
+## Assumptions
+
+**User Assumptions**:
+- 60% of users will access from mobile devices
+- 70% of users will save payment method if offered
+- Users have modern browsers (Chrome, Safari, Firefox, Edge - last 2 versions)
+- Average transaction value: $275
+
+**Technical Assumptions**:
+- Stripe API maintains 99.99% uptime (historical average)
+- Stripe API remains backward compatible (no breaking changes)
+- Webhooks delivered within 5 minutes (Stripe SLA)
+- Current infrastructure can handle 10x transaction volume growth
+
+**Business Assumptions**:
+- Transaction volume grows from 1,000/month to 5,000/month within 6 months
+- Cart abandonment reduces from 45% to 25% after launch
+- Customers willing to pay current pricing plus transaction fees
+- Sales team capacity sufficient for increased order volume
+
+---
+
+## Out of Scope
+
+**Features Explicitly Excluded**:
+- Cryptocurrency payments (deferred to Phase 3, market still nascent)
+- Buy now, pay later (BNPL) options like Klarna/Affirm (Phase 2, evaluate demand)
+- Subscription and recurring billing (Phase 2, not needed for MVP)
+- International currency support beyond USD (Phase 2, market dependent)
+- ACH/bank transfer payments (low demand, complex compliance)
+- Gift cards and store credit (Phase 3 feature)
+
+**Deferred to Future Phases**:
+- Advanced fraud detection rules customization (use Stripe Radar defaults for MVP)
+- Multi-currency pricing and display (Phase 2, after international expansion)
+- Invoice payment portal for net-30 terms (separate project)
+- Payment plan/installment options (Phase 2 after BNPL evaluation)
+
+**Platforms Not Supported**:
+- Internet Explorer 10 and older (< 2% traffic, not worth compatibility effort)
+- Native mobile apps (web-only for MVP, may build apps in Phase 3)
+- In-person/POS payments (separate product line, not e-commerce focus)