Payment Integration
Implement payment processing với SePay (thị trường Việt Nam) và Polar (global SaaS monetization).
Khi Nào Sử Dụng
- Payment gateway integration và checkout flows
- Subscription management với trials, upgrades và billing
- QR code payments (VietQR, NAPAS) và bank transfers
- Usage-based billing với metering và credits
- Automated benefit delivery (licenses, GitHub access, Discord roles)
- Webhook handling cho payment notifications
- Customer portals cho self-service management
- Tax compliance và global payments
Platform Selection
Chọn SePay Cho:
- Thị trường Việt Nam (VND currency)
- Bank transfer automation (44+ Vietnamese banks)
- VietQR/NAPAS payments
- Local payment methods
- Direct bank account monitoring
Chọn Polar Cho:
- Global SaaS products
- Subscription lifecycle management
- Usage-based billing
- Automated benefits (GitHub, Discord, licenses)
- Merchant of Record (xử lý global tax compliance)
- Digital product sales
Khả Năng Chính
| Tính Năng | SePay | Polar |
|---|---|---|
| Payment methods | QR, bank transfer, cards | Cards, subscriptions, usage-based |
| Bank monitoring | Webhooks cho 44+ VN banks | N/A |
| Tax handling | Manual | MoR (global compliance) |
| Subscriptions | Manual | Full lifecycle management |
| Benefits automation | Manual | GitHub, Discord, licenses, files |
| Rate limit | 2 calls/second | 300 req/min |
| Customer portal | Không | Built-in self-service |
Common Use Cases
Vietnamese E-commerce Checkout
Implement VietQR payment flow với bank transfer monitoring.
"Set up SePay checkout với VietQR generation cho bank transfers. Monitor transactions qua webhook và mark orders paid khi bank account nhận matching amount."SaaS Subscription Platform
Build subscription system với automated license delivery.
"Dùng Polar để tạo subscription product với 3 tiers. Implement checkout flow và webhook handler tự động generate license keys khi successful subscription."Usage-Based Billing
Implement metered billing cho API usage hoặc credits.
"Set up Polar usage-based pricing track API calls per month. Configure webhooks để monitor usage và tự động upgrade/downgrade subscriptions."Automated GitHub Access
Deliver private repository access khi payment.
"Dùng Polar's GitHub benefit để tự động grant repository access khi customer subscribes. Remove access khi subscription cancellation."Implementation Workflow
SePay Quick Start
- Load
references/sepay/overview.mdcho auth setup - Load
references/sepay/sdk.mdcho integration code - Load
references/sepay/webhooks.mdcho payment notifications - Dùng
scripts/sepay-webhook-verify.jscho webhook verification - Load
references/sepay/best-practices.mdcho production
Polar Quick Start
- Load
references/polar/overview.mdcho auth và concepts - Load
references/polar/products.mdcho product setup - Load
references/polar/checkouts.mdcho payment flows - Load
references/polar/webhooks.mdcho event handling - Load
references/polar/benefits.mdcho automated delivery - Dùng
scripts/polar-webhook-verify.jscho webhook verification - Load
references/polar/best-practices.mdcho production
Pro Tips
- Start với sandbox/test mode trước production deployment
- Luôn verify webhook signatures để prevent fraudulent requests
- Load references progressively - chỉ những gì bạn cần cho current step
- Dùng provided scripts cho webhook verification boilerplate
- Cho SePay: Monitor rate limits (2 calls/second)
- Cho Polar: Leverage MoR benefits để avoid tax compliance complexity
- Không kích hoạt? Nói: “Use payment-integration skill to integrate Polar checkout”
Skills Liên Quan
- Backend Development - API implementation
- Web Frameworks - Checkout UI integration
Key Takeaway
Dùng SePay cho thị trường Việt Nam (VietQR, bank transfers, 44+ banks) và Polar cho global SaaS (subscriptions, usage billing, automated benefits với tax compliance).