payment-integration

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🇺🇸

Original

English

🇨🇳

Translation

Chinese

Payment Integration

支付集成

Implement payment processing with SePay (Vietnamese payments) and Polar (global SaaS monetization).

基于SePay（越南本地支付）和Polar（全球SaaS变现）实现支付处理功能。

When to Use

适用场景

Use when implementing:

Payment gateway integration (checkout, processing)
Subscription management (trials, upgrades, billing)
Webhook handling (payment notifications)
QR code payments (VietQR, NAPAS)
Usage-based billing (metering, credits)
Automated benefit delivery (licenses, GitHub access, Discord roles)
Customer portals (self-service management)
Bank transfer automation (Vietnamese banks)
Product catalogs with pricing

在以下场景中使用：

支付网关集成（结账、支付处理）
订阅管理（试用、升级、计费）
Webhook处理（支付通知）
二维码支付（VietQR、NAPAS）
基于使用量的计费（计量、额度）
权益自动发放（许可证、GitHub访问权限、Discord角色）
客户门户（自助管理）
银行转账自动化（越南本地银行）
带定价的产品目录

Platform Selection

平台选择

Choose SePay for:

Vietnamese market (VND currency)
Bank transfer automation
VietQR/NAPAS payments
Local payment methods
Direct bank account monitoring

Choose Polar for:

Global SaaS products
Subscription management
Usage-based billing
Automated benefits (GitHub, Discord, licenses)
Merchant of Record (tax compliance)
Digital product sales

选择SePay的场景：

越南市场（越南盾结算）
银行转账自动化
VietQR/NAPAS支付
本地支付方式
银行账户实时监控

选择Polar的场景：

全球SaaS产品
订阅管理
基于使用量的计费
权益自动发放（GitHub、Discord、许可证）
Merchant of Record（MoR，税务合规）
数字产品销售

Quick Reference

快速参考

SePay Integration

SePay集成

Overview & Auth:
```
references/sepay/overview.md
```
- Platform capabilities, API/OAuth2 auth, supported banks
API Reference:
```
references/sepay/api.md
```
- Endpoints, transactions, bank accounts, virtual accounts
Webhooks:
```
references/sepay/webhooks.md
```
- Setup, payload structure, verification, retry logic
SDK Usage:
```
references/sepay/sdk.md
```
- Node.js, PHP, Laravel implementations
QR Codes:
```
references/sepay/qr-codes.md
```
- VietQR generation, templates, integration
Best Practices:
```
references/sepay/best-practices.md
```
- Security, patterns, monitoring

概述与认证：
```
references/sepay/overview.md
```
- 平台能力、API/OAuth2认证、支持的银行列表
API参考：
```
references/sepay/api.md
```
- 接口端点、交易管理、银行账户、虚拟账户
Webhook：
```
references/sepay/webhooks.md
```
- 配置方法、负载结构、验证机制、重试逻辑
SDK使用：
```
references/sepay/sdk.md
```
- Node.js、PHP、Laravel实现示例
二维码：
```
references/sepay/qr-codes.md
```
- VietQR生成、模板、集成方式
最佳实践：
```
references/sepay/best-practices.md
```
- 安全规范、设计模式、监控方案

Polar Integration

Polar集成

Overview & Auth:
```
references/polar/overview.md
```
- Platform capabilities, authentication methods, MoR concept
Products & Pricing:
```
references/polar/products.md
```
- Product types, pricing models, usage-based billing
Checkouts:
```
references/polar/checkouts.md
```
- Checkout flows, embedded checkout, links
Subscriptions:
```
references/polar/subscriptions.md
```
- Lifecycle, upgrades, downgrades, trials
Webhooks:
```
references/polar/webhooks.md
```
- Event types, signature verification, monitoring
Benefits:
```
references/polar/benefits.md
```
- Automated delivery (GitHub, Discord, licenses, files)
SDK Usage:
```
references/polar/sdk.md
```
- TypeScript, Python, PHP, Go, framework adapters
Best Practices:
```
references/polar/best-practices.md
```
- Security, patterns, monitoring

概述与认证：
```
references/polar/overview.md
```
- 平台能力、认证方式、MoR概念说明
产品与定价：
```
references/polar/products.md
```
- 产品类型、定价模型、基于使用量的计费
结账功能：
```
references/polar/checkouts.md
```
- 结账流程、嵌入式结账、结账链接
订阅管理：
```
references/polar/subscriptions.md
```
- 订阅生命周期、升级、降级、试用
Webhook：
```
references/polar/webhooks.md
```
- 事件类型、签名验证、监控方案
权益管理：
```
references/polar/benefits.md
```
- 自动发放（GitHub、Discord、许可证、文件）
SDK使用：
```
references/polar/sdk.md
```
- TypeScript、Python、PHP、Go、框架适配
最佳实践：
```
references/polar/best-practices.md
```
- 安全规范、设计模式、监控方案

Integration Scripts

集成脚本

SePay Webhook Verification:
```
scripts/sepay-webhook-verify.js
```
- Verify SePay webhook authenticity
Polar Webhook Verification:
```
scripts/polar-webhook-verify.js
```
- Verify Polar webhook signatures
Checkout Helper:
```
scripts/checkout-helper.js
```
- Generate checkout sessions for both platforms

SePay Webhook验证：
```
scripts/sepay-webhook-verify.js
```
- 验证SePay Webhook的真实性
Polar Webhook验证：
```
scripts/polar-webhook-verify.js
```
- 验证Polar Webhook签名
结账辅助工具：
```
scripts/checkout-helper.js
```
- 为两个平台生成结账会话

Implementation Workflow

实施流程

SePay Implementation

SePay实施步骤

Load
```
references/sepay/overview.md
```
for auth setup

Load

references/sepay/api.md

references/sepay/sdk.md

for integration

Load
```
references/sepay/webhooks.md
```
for payment notifications
Use
```
scripts/sepay-webhook-verify.js
```
for webhook verification
Load
```
references/sepay/best-practices.md
```
for production readiness

查阅
```
references/sepay/overview.md
```
完成认证配置

查阅

references/sepay/api.md

或

references/sepay/sdk.md

进行集成开发

查阅
```
references/sepay/webhooks.md
```
配置支付通知
使用
```
scripts/sepay-webhook-verify.js
```
完成Webhook验证
查阅
```
references/sepay/best-practices.md
```
确保生产环境就绪

Polar Implementation

Polar实施步骤

Load
```
references/polar/overview.md
```
for auth and concepts
Load
```
references/polar/products.md
```
for product setup
Load
```
references/polar/checkouts.md
```
for payment flows
Load
```
references/polar/webhooks.md
```
for event handling
Use
```
scripts/polar-webhook-verify.js
```
for webhook verification
Load
```
references/polar/benefits.md
```
if automating delivery
Load
```
references/polar/best-practices.md
```
for production readiness

查阅
```
references/polar/overview.md
```
了解认证机制与核心概念
查阅
```
references/polar/products.md
```
完成产品配置
查阅
```
references/polar/checkouts.md
```
实现支付流程
查阅
```
references/polar/webhooks.md
```
处理事件通知
使用
```
scripts/polar-webhook-verify.js
```
完成Webhook验证
若需自动发放权益，查阅
```
references/polar/benefits.md
```
查阅
```
references/polar/best-practices.md
```
确保生产环境就绪

Key Capabilities

核心能力

SePay:

Payment gateway (QR, bank transfer, cards)
Bank account monitoring with webhooks
Order-based virtual accounts
VietQR generation API
44+ Vietnamese banks supported
Rate limit: 2 calls/second

Polar:

Merchant of Record (global tax compliance)
Subscription lifecycle management
Usage-based billing (events, meters)
Automated benefits (GitHub, Discord, licenses)
Customer portal (self-service)
Multi-language SDKs
Rate limit: 300 req/min

SePay：

支付网关（二维码、银行转账、银行卡）
银行账户监控与Webhook通知
基于订单的虚拟账户
VietQR生成API
支持44+越南本地银行
速率限制：2次调用/秒

Polar：

Merchant of Record（MoR，全球税务合规）
订阅生命周期管理
基于使用量的计费（事件、计量）
权益自动发放（GitHub、Discord、许可证）
客户自助门户
多语言SDK
速率限制：300请求/分钟

Instructions

实施说明

When implementing payment integration:

Identify platform based on requirements (Vietnamese vs global, payment types)
Load relevant references progressively as needed
Implement authentication using platform-specific methods
Set up products/pricing according to business model
Implement checkout flow (hosted, embedded, or API-driven)
Configure webhooks with proper verification
Handle payment events (success, failure, refund)
Test thoroughly in sandbox before production
Monitor and optimize using platform analytics

Load only the references needed for current implementation step to maintain context efficiency.

在实施支付集成时：

根据需求选择平台（越南本地 vs 全球、支付类型）
按需逐步查阅参考文档
使用平台专属方式完成认证配置
根据业务模型设置产品与定价
实现结账流程（托管式、嵌入式或API驱动）
配置Webhook并完成验证
处理支付事件（成功、失败、退款）
在沙箱环境完成全面测试后再上线生产环境
使用平台分析工具进行监控与优化

仅加载当前实施步骤所需的参考文档，以保持上下文效率。