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
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Payment gateway integration (checkout, processing)
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Subscription management (trials, upgrades, billing)
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Webhook handling (notifications, idempotency)
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QR code payments (VietQR, NAPAS)
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Software licensing (device activation)
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Multi-provider order management
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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
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references/sepay/overview.md
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Auth, supported banks
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references/sepay/api.md
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Endpoints, transactions
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references/sepay/webhooks.md
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Setup, verification
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references/sepay/sdk.md
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Node.js, PHP, Laravel
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references/sepay/qr-codes.md
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VietQR generation
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references/sepay/best-practices.md
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Production patterns
Polar
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references/polar/overview.md
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Auth, MoR concept
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references/polar/products.md
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Pricing models
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references/polar/checkouts.md
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Checkout flows
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references/polar/subscriptions.md
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Lifecycle management
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references/polar/webhooks.md
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Event handling
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references/polar/benefits.md
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Automated delivery
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references/polar/sdk.md
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Multi-language SDKs
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references/polar/best-practices.md
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Production patterns
Stripe
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references/stripe/stripe-best-practices.md
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Integration design
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references/stripe/stripe-sdks.md
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Server SDKs
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references/stripe/stripe-js.md
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Payment Element
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references/stripe/stripe-cli.md
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Local testing
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references/stripe/stripe-upgrade.md
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Version upgrades
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External: https://docs.stripe.com/llms.txt
Paddle
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references/paddle/overview.md
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MoR, auth, entity IDs
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references/paddle/api.md
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Products, prices, transactions
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references/paddle/paddle-js.md
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Checkout overlay/inline
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references/paddle/subscriptions.md
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Trials, upgrades, pause
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references/paddle/webhooks.md
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SHA256 verification
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references/paddle/sdk.md
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Node, Python, PHP, Go
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references/paddle/best-practices.md
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Production patterns
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External: https://developer.paddle.com/llms.txt
Creem.io
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references/creem/overview.md
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MoR, auth, global support
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references/creem/api.md
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Products, checkout sessions
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references/creem/checkouts.md
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No-code links, storefronts
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references/creem/subscriptions.md
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Trials, seat-based
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references/creem/licensing.md
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Device activation
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references/creem/webhooks.md
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Signature verification
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references/creem/sdk.md
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Next.js, Better Auth
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External: https://docs.creem.io/llms.txt
Multi-Provider
- references/multi-provider-order-management-patterns.md
- Unified orders, currency conversion
Scripts
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scripts/sepay-webhook-verify.js
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SePay webhook verification
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scripts/polar-webhook-verify.js
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Polar webhook verification
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scripts/checkout-helper.js
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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