payment-integration

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🇺🇸

Original

English

🇨🇳

Translation

Chinese

Payment Integration

支付集成

Production-proven payment processing with SePay (Vietnamese banks), Polar (global SaaS), Stripe (global infrastructure), Paddle (MoR subscriptions), and Creem.io (MoR + licensing).

经过生产环境验证的支付处理方案，支持SePay（越南银行）、Polar（全球SaaS）、Stripe（全球基础设施）、Paddle（MoR订阅）以及Creem.io（MoR + 授权许可）。

When to Use

适用场景

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

支付网关集成（结账、交易处理）
订阅管理（试用、升级、账单）
Webhook处理（通知、幂等性）
二维码支付（VietQR、NAPAS）
软件授权许可（设备激活）
多服务商订单管理
收入拆分与佣金

Platform Selection

平台选择

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

平台	最佳适用场景
SePay	越南市场、越南盾、银行转账、VietQR
Polar	全球SaaS、订阅、自动化权益（GitHub/Discord）
Stripe	企业级支付、Connect平台、自定义结账
Paddle	MoR订阅、全球税务合规、客户流失预防
Creem.io	MoR + 授权许可、收入拆分、无代码结账

Quick Reference

快速参考

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

```
references/sepay/overview.md
```
- 认证、支持的银行
```
references/sepay/api.md
```
- 接口、交易
```
references/sepay/webhooks.md
```
- 配置、验证
```
references/sepay/sdk.md
```
- Node.js、PHP、Laravel
```
references/sepay/qr-codes.md
```
- VietQR生成
```
references/sepay/best-practices.md
```
- 生产环境模式

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

```
references/polar/overview.md
```
- 认证、MoR概念
```
references/polar/products.md
```
- 定价模型
```
references/polar/checkouts.md
```
- 结账流程
```
references/polar/subscriptions.md
```
- 生命周期管理
```
references/polar/webhooks.md
```
- 事件处理
```
references/polar/benefits.md
```
- 自动化交付
```
references/polar/sdk.md
```
- 多语言SDK
```
references/polar/best-practices.md
```
- 生产环境模式

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

references/stripe/stripe-best-practices.md

- 集成设计

```
references/stripe/stripe-sdks.md
```
- 服务端SDK
```
references/stripe/stripe-js.md
```
- Payment Element
```
references/stripe/stripe-cli.md
```
- 本地测试
```
references/stripe/stripe-upgrade.md
```
- 版本升级
外部链接: 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

```
references/paddle/overview.md
```
- MoR、认证、实体ID
```
references/paddle/api.md
```
- 产品、定价、交易
```
references/paddle/paddle-js.md
```
- 悬浮/内嵌结账
```
references/paddle/subscriptions.md
```
- 试用、升级、暂停
```
references/paddle/webhooks.md
```
- SHA256验证
```
references/paddle/sdk.md
```
- Node、Python、PHP、Go
```
references/paddle/best-practices.md
```
- 生产环境模式
外部链接: 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

```
references/creem/overview.md
```
- MoR、认证、全球支持
```
references/creem/api.md
```
- 产品、结账会话
```
references/creem/checkouts.md
```
- 无代码链接、店铺前端
```
references/creem/subscriptions.md
```
- 试用、按席位计费
```
references/creem/licensing.md
```
- 设备激活
```
references/creem/webhooks.md
```
- 签名验证
```
references/creem/sdk.md
```
- Next.js、Better Auth
外部链接: https://docs.creem.io/llms.txt

Multi-Provider

多服务商

references/multi-provider-order-management-patterns.md

- Unified orders, currency conversion

references/multi-provider-order-management-patterns.md

- 统一订单、货币转换

Scripts

脚本

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

```
scripts/sepay-webhook-verify.js
```
- SePay Webhook验证脚本
```
scripts/polar-webhook-verify.js
```
- Polar Webhook验证脚本
```
scripts/checkout-helper.js
```
- 结账会话生成工具

Key Capabilities

核心功能

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

平台	核心亮点
SePay	二维码/银行/卡支付、支持44+越南银行、Webhook、2次请求/秒
Polar	MoR、订阅、用量计费、权益、300次请求/分钟
Stripe	CheckoutSessions、Billing、Connect、Payment Element
Paddle	MoR、悬浮/内嵌结账、Retain（客户流失预防）、税务处理
Creem.io	MoR、授权许可、收入拆分、无代码结账

Implementation

实施指南

See

references/implementation-workflows.md

for step-by-step guides per platform.

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

各平台的分步指南请查看

references/implementation-workflows.md

。

通用流程： 认证 → 产品配置 → 结账 → Webhook配置 → 事件处理