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+---
+name: ck:payment-integration
+description: Integrate payments with SePay (VietQR), Polar, Stripe, Paddle (MoR subscriptions), Creem.io (licensing). Checkout, webhooks, subscriptions, QR codes, multi-provider orders.
+license: MIT
+argument-hint: "[provider] [task]"
+metadata:
+  author: claudekit
+  version: "2.2.0"
+---
+
+# Payment Integration
+
+Production-proven payment processing with SePay (Vietnamese banks), Polar (global SaaS), Stripe (global infrastructure), Paddle (MoR subscriptions), and Creem.io (MoR + licensing).
+
+## When to Use
+
+- Payment gateway integration (checkout, processing)
+- Subscription management (trials, upgrades, billing)
+- Webhook handling (notifications, idempotency)
+- QR code payments (VietQR, NAPAS)
+- Software licensing (device activation)
+- Multi-provider order management
+- Revenue splits and commissions
+
+## 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 |
+| **Paddle** | MoR subscriptions, global tax compliance, churn prevention |
+| **Creem.io** | MoR + licensing, revenue splits, no-code 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
+
+### Paddle
+- `references/paddle/overview.md` - MoR, auth, entity IDs
+- `references/paddle/api.md` - Products, prices, transactions
+- `references/paddle/paddle-js.md` - Checkout overlay/inline
+- `references/paddle/subscriptions.md` - Trials, upgrades, pause
+- `references/paddle/webhooks.md` - SHA256 verification
+- `references/paddle/sdk.md` - Node, Python, PHP, Go
+- `references/paddle/best-practices.md` - Production patterns
+- External: https://developer.paddle.com/llms.txt
+
+### Creem.io
+- `references/creem/overview.md` - MoR, auth, global support
+- `references/creem/api.md` - Products, checkout sessions
+- `references/creem/checkouts.md` - No-code links, storefronts
+- `references/creem/subscriptions.md` - Trials, seat-based
+- `references/creem/licensing.md` - Device activation
+- `references/creem/webhooks.md` - Signature verification
+- `references/creem/sdk.md` - Next.js, Better Auth
+- External: https://docs.creem.io/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 |
+| **Paddle** | MoR, overlay/inline checkout, Retain (churn prevention), tax |
+| **Creem.io** | MoR, licensing, revenue splits, no-code checkout |
+
+## Implementation
+
+See `references/implementation-workflows.md` for step-by-step guides per platform.
+
+**General flow:** auth → products → checkout → webhooks → events