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+# Payment Integration Skill
+
+Comprehensive payment integration skill for SePay (Vietnamese payment gateway), Polar (global SaaS monetization platform), and Stripe (global payment infrastructure).
+
+## Features
+
+### SePay Integration
+- Vietnamese payment gateway with VietQR, NAPAS, bank transfers, and cards
+- 44+ supported banks
+- Webhook verification with API Key/OAuth2 authentication
+- QR code generation API
+- Order-based virtual accounts
+- SDK support for Node.js, PHP, and Laravel
+
+### Polar Integration
+- Global SaaS monetization platform
+- Merchant of Record (handles global tax compliance)
+- Subscription management with trials, upgrades, downgrades
+- Usage-based billing with events and meters
+- Automated benefit delivery (GitHub repos, Discord roles, license keys, files)
+- Customer self-service portal
+- Multi-language SDKs (TypeScript, Python, PHP, Go)
+- Framework adapters (Next.js, Laravel, Remix, etc.)
+
+### Stripe Integration
+- Global payment infrastructure
+- CheckoutSessions, PaymentIntents, SetupIntents APIs
+- Billing and subscriptions at scale
+- Connect for marketplaces and platforms
+- Payment Element for custom checkout experiences
+- Multi-language SDKs (Node.js, Python, Ruby, PHP, Java, Go, .NET)
+- Best practices for integration design and API version upgrades
+
+## Structure
+
+```
+payment-integration/
+├── SKILL.md                      # Main skill definition
+├── README.md                     # This file
+├── references/                   # Progressive disclosure documentation
+│   ├── sepay/                   # SePay integration guides
+│   │   ├── overview.md          # Auth, capabilities, environments
+│   │   ├── api.md               # API endpoints and operations
+│   │   ├── webhooks.md          # Webhook setup and handling
+│   │   ├── sdk.md               # SDK usage (Node.js, PHP, Laravel)
+│   │   ├── qr-codes.md          # VietQR generation
+│   │   └── best-practices.md    # Security, patterns, monitoring
+│   ├── polar/                   # Polar integration guides
+│   │   ├── overview.md          # Auth, MoR concept, environments
+│   │   ├── products.md          # Products, pricing, usage-based billing
+│   │   ├── checkouts.md         # Checkout flows and embedded checkout
+│   │   ├── subscriptions.md     # Lifecycle, upgrades, trials
+│   │   ├── webhooks.md          # Event handling and verification
+│   │   ├── benefits.md          # Automated benefit delivery
+│   │   ├── sdk.md               # Multi-language SDK usage
+│   │   └── best-practices.md    # Security, patterns, monitoring
+│   └── stripe/                  # Stripe integration guides
+│       ├── stripe-best-practices.md  # Integration design, API selection
+│       └── stripe-upgrade.md         # API versions, SDK upgrades
+└── scripts/                      # Integration helper scripts
+    ├── sepay-webhook-verify.js   # SePay webhook verification
+    ├── polar-webhook-verify.js   # Polar webhook verification
+    ├── checkout-helper.js        # Checkout session generation
+    ├── test-scripts.js           # Test suite for all scripts
+    ├── package.json              # Node.js package configuration
+    └── .env.example              # Environment variable template
+```
+
+## Usage
+
+### Activate the Skill
+
+Claude Code will automatically activate this skill when you mention payment integration, subscriptions, webhooks, or platform-specific terms (SePay, Polar).
+
+### Manual Activation
+
+In conversations, simply reference the platforms:
+- "Implement SePay payment integration"
+- "Set up Polar subscriptions with usage-based billing"
+- "Create webhook handler for payment notifications"
+
+### Using Scripts
+
+**SePay Webhook Verification:**
+```bash
+cd $HOME/.opencode/skills/payment-integration/scripts
+node sepay-webhook-verify.js '{"id":12345,"gateway":"Vietcombank",...}'
+```
+
+**Polar Webhook Verification:**
+```bash
+node polar-webhook-verify.js '{"type":"order.paid","data":{...}}' base64secret
+```
+
+**Checkout Helper:**
+```bash
+# SePay
+node checkout-helper.js sepay '{"orderInvoiceNumber":"ORD001","orderAmount":100000,...}'
+
+# Polar
+node checkout-helper.js polar '{"productPriceId":"price_xxx","successUrl":"https://..."}'
+```
+
+**Run Tests:**
+```bash
+npm test
+```
+
+## Environment Variables
+
+Copy `.env.example` to `.env` and configure:
+
+```env
+# SePay
+SEPAY_MERCHANT_ID=SP-TEST-XXXXXXX
+SEPAY_SECRET_KEY=spsk_test_xxxxxxxxxxxxx
+SEPAY_ENV=sandbox
+SEPAY_WEBHOOK_API_KEY=your_key
+
+# Polar
+POLAR_ACCESS_TOKEN=polar_xxxxxxxxxxxxxxxx
+POLAR_SERVER=sandbox
+POLAR_WEBHOOK_SECRET=base64_secret
+```
+
+## Progressive Disclosure
+
+The skill uses progressive disclosure to minimize context usage:
+1. **SKILL.md** - Overview and quick reference (~99 lines)
+2. **references/** - Detailed guides loaded as needed (<100 lines each)
+3. **scripts/** - Executable helpers with embedded examples
+
+Load only the references you need for your current task.
+
+## Platform Selection Guide
+
+**Choose SePay for:**
+- Vietnamese market targeting
+- Bank transfer automation
+- Local payment methods
+- QR code payments (VietQR/NAPAS)
+- Direct bank monitoring
+
+**Choose Polar for:**
+- Global market
+- SaaS/subscription business
+- Usage-based billing
+- Automated benefit delivery
+- Tax compliance (Merchant of Record)
+- Customer self-service
+
+**Choose Stripe for:**
+- Global payment infrastructure
+- Enterprise-grade payment processing
+- Connect platforms (marketplaces)
+- Billing/subscriptions at scale
+- Custom checkout experiences (Payment Element)
+- Maximum payment method coverage
+
+## Examples
+
+### SePay Payment Flow
+1. Load `references/sepay/overview.md` for authentication
+2. Load `references/sepay/sdk.md` for integration
+3. Use `checkout-helper.js` to generate payment form
+4. Load `references/sepay/webhooks.md` for notifications
+5. Use `sepay-webhook-verify.js` to verify authenticity
+
+### Polar Subscription Flow
+1. Load `references/polar/overview.md` for setup
+2. Load `references/polar/products.md` for pricing
+3. Load `references/polar/checkouts.md` for payment
+4. Load `references/polar/subscriptions.md` for lifecycle
+5. Load `references/polar/webhooks.md` for events
+6. Load `references/polar/benefits.md` for automation
+
+### Stripe Integration Flow
+1. Load `references/stripe/stripe-best-practices.md` for integration design
+2. Choose: Checkout (hosted/embedded) or Payment Element
+3. Use CheckoutSessions API for most use cases
+4. Load `references/stripe/stripe-upgrade.md` when upgrading API versions
+
+## Testing
+
+All scripts include comprehensive test coverage:
+- SePay webhook verification (with/without authentication)
+- Polar webhook signature validation
+- Checkout configuration generation
+- Error handling and edge cases
+
+Run `npm test` in the scripts directory to verify functionality.
+
+## Support
+
+### SePay
+- Docs: https://developer.sepay.vn/en
+- Email: info@sepay.vn
+- Hotline: 02873059589
+
+### Polar
+- Docs: https://polar.sh/docs
+- API Reference: https://polar.sh/docs/api-reference
+- GitHub: https://github.com/polarsource/polar
+
+### Stripe
+- Docs: https://docs.stripe.com
+- API Reference: https://docs.stripe.com/api
+- Changelog: https://docs.stripe.com/changelog
+- Go Live Checklist: https://docs.stripe.com/get-started/checklist/go-live
+
+## License
+
+MIT
+
+## Version
+
+1.1.0