# Hs:payment Integration

> Integrate payments with SePay (VietQR), Polar, and Stripe. Checkout, webhooks, subscriptions, QR codes, and multi-provider orders.

- Skill: `danielleit241/hs-payment-integration` (Agent Skill, multi-file: 27 files)
- Install (CLI): `npx skillmds@latest add danielleit241/hs-payment-integration`
- Raw SKILL.md: https://api.skillmd.com/api/skills/danielleit241/hs-payment-integration/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Integrations & APIs
- License: MIT
- Author: danielleit241 (https://skillmd.com/u/danielleit241)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/danielleit241/hs-payment-integration

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# Payment Integration

Production-proven payment processing with SePay (Vietnamese banks), Polar (global SaaS), and Stripe (global infrastructure).

## When to Use

- Payment gateway integration (checkout, processing)
- Subscription management (trials, upgrades, billing)
- Webhook handling (notifications, idempotency)
- QR code payments (VietQR, NAPAS)
- Multi-provider order management

## Platform Selection

| Platform   | Best For                                                        |
| ---------- | --------------------------------------------------------------- |
| **SePay**  | Vietnamese market, VND, bank transfers, VietQR                  |
| **Polar**  | Global SaaS, subscriptions, automated benefits (GitHub/Discord) |
| **Stripe** | Enterprise payments, Connect platforms, custom checkout         |

## Quick Reference

### SePay

- `references/sepay/overview.md` - Auth, supported banks
- `references/sepay/api.md` - Endpoints, transactions
- `references/sepay/webhooks.md` - Setup, verification
- `references/sepay/sdk.md` - Node.js, PHP, Laravel
- `references/sepay/qr-codes.md` - VietQR generation
- `references/sepay/best-practices.md` - Production patterns

### Polar

- `references/polar/overview.md` - Auth, MoR concept
- `references/polar/products.md` - Pricing models
- `references/polar/checkouts.md` - Checkout flows
- `references/polar/subscriptions.md` - Lifecycle management
- `references/polar/webhooks.md` - Event handling
- `references/polar/benefits.md` - Automated delivery
- `references/polar/sdk.md` - Multi-language SDKs
- `references/polar/best-practices.md` - Production patterns

### Stripe

- `references/stripe/stripe-best-practices.md` - Integration design
- `references/stripe/stripe-sdks.md` - Server SDKs
- `references/stripe/stripe-js.md` - Payment Element
- `references/stripe/stripe-cli.md` - Local testing
- `references/stripe/stripe-upgrade.md` - Version upgrades
- External: https://docs.stripe.com/llms.txt

### Multi-Provider

- `references/multi-provider-order-management-patterns.md` - Unified orders, currency conversion

### Scripts

- `scripts/sepay-webhook-verify.js` - SePay webhook verification
- `scripts/polar-webhook-verify.js` - Polar webhook verification
- `scripts/checkout-helper.js` - Checkout session generator

## Key Capabilities

| Platform   | Highlights                                               |
| ---------- | -------------------------------------------------------- |
| **SePay**  | QR/bank/cards, 44+ VN banks, webhooks, 2 req/s           |
| **Polar**  | MoR, subscriptions, usage billing, benefits, 300 req/min |
| **Stripe** | CheckoutSessions, Billing, Connect, Payment Element      |

## Implementation

**General flow:** auth → products → checkout → webhooks → events