Stripe Payments

Comprehensive skill for automating Stripe payment processing and subscription management.

Core Workflows

1. Payment Flow

STRIPE PAYMENT FLOW:

┌─────────────────┐

│    Customer     │

│  Payment Intent │

└────────┬────────┘

         ▼

┌─────────────────┐

│    Checkout     │

│  - Card Input   │

│  - Validation   │

└────────┬────────┘

         ▼

┌─────────────────┐

│   Processing    │

│  - Auth         │

│  - Capture      │

└────────┬────────┘

         ▼

┌─────────────────┐

│   Confirmation  │

│  - Receipt      │

│  - Webhook      │

└─────────────────┘

2. Webhook Events

webhook_handlers:

  payment_intent.succeeded:

    actions:

      - fulfill_order

      - send_receipt

      - update_crm

  payment_intent.payment_failed:

    actions:

      - notify_customer

      - retry_payment

      - log_failure

  customer.subscription.created:

    actions:

      - provision_access

      - send_welcome_email

      - update_metrics

  customer.subscription.deleted:

    actions:

      - revoke_access

      - send_offboarding_email

      - trigger_retention_flow

  invoice.payment_failed:

    actions:

      - send_dunning_email

      - update_subscription_status

      - create_support_ticket

Subscription Management

Plan Configuration

subscription_plans:

  - name: Starter

    id: plan_starter

    price: 29

    currency: usd

    interval: month

    features:

      - "5 users"

      - "10GB storage"

      - "Email support"

    metadata:

      tier: 1

  - name: Growth

    id: plan_growth

    price: 79

    currency: usd

    interval: month

    features:

      - "25 users"

      - "100GB storage"

      - "Priority support"

    metadata:

      tier: 2

  - name: Enterprise

    id: plan_enterprise

    price: custom

    interval: month

    features:

      - "Unlimited users"

      - "Unlimited storage"

      - "24/7 support"

      - "Custom integrations"

    metadata:

      tier: 3

Subscription Lifecycle

subscription_automation:

  on_create:

    - provision_service

    - send_welcome_email

    - create_customer_record

    - schedule_onboarding_call

  on_upgrade:

    - adjust_limits

    - prorate_billing

    - send_upgrade_confirmation

    - unlock_features

  on_downgrade:

    - schedule_limit_reduction

    - send_downgrade_notice

    - offer_retention_discount

  on_cancel:

    - schedule_access_revocation

    - send_exit_survey

    - trigger_win_back_campaign

  on_renewal:

    - send_renewal_receipt

    - update_usage_quotas

    - check_plan_eligibility

Invoice Management

Invoice Automation

invoice_settings:

  defaults:

    auto_advance: true

    collection_method: charge_automatically

    days_until_due: 30

  templates:

    header:

      company_name: "{{company}}"

      logo: "{{logo_url}}"

    footer:

      payment_terms: "Net 30"

      thank_you: "Thank you for your business!"

  automation:

    - event: invoice.created

      actions:

        - add_line_items

        - apply_discounts

        - calculate_tax

    - event: invoice.finalized

      actions:

        - send_to_customer

        - log_to_accounting

    - event: invoice.paid

      actions:

        - send_receipt

        - update_revenue

Dunning Management

dunning_sequence:

  - day: 0

    event: payment_failed

    actions:

      - retry_payment

      - email_template: payment_failed_1

  - day: 3

    actions:

      - retry_payment

      - email_template: payment_failed_2

      - sms_reminder

  - day: 7

    actions:

      - retry_payment

      - email_template: payment_failed_3

      - mark_at_risk

  - day: 14

    actions:

      - final_retry

      - email_template: final_notice

      - pause_subscription

  - day: 30

    actions:

      - cancel_subscription

      - email_template: cancellation

      - revoke_access

Checkout Integration

Checkout Session

// Create Checkout Session

const session = await stripe.checkout.sessions.create({

  mode: 'subscription',

  payment_method_types: ['card'],

  line_items: [{

    price: 'price_xxx',

    quantity: 1,

  }],

  success_url: 'https://example.com/success?session_id={CHECKOUT_SESSION_ID}',

  cancel_url: 'https://example.com/cancel',

  customer_email: 'customer@example.com',

  subscription_data: {

    trial_period_days: 14,

    metadata: {

      plan_tier: 'growth'

    }

  },

  allow_promotion_codes: true,

});

Payment Elements

// Create Payment Intent

const paymentIntent = await stripe.paymentIntents.create({

  amount: 2000,

  currency: 'usd',

  customer: 'cus_xxx',

  payment_method_types: ['card'],

  metadata: {

    order_id: '12345'

  }

});

// Confirm Payment

const result = await stripe.confirmCardPayment(

  paymentIntent.client_secret,

  {

    payment_method: {

      card: cardElement,

      billing_details: {

        name: 'John Doe'

      }

    }

  }

);

Revenue Analytics

Dashboard Metrics

STRIPE REVENUE DASHBOARD

═══════════════════════════════════════

MRR:          $125,450 (+8.5%)

ARR:          $1,505,400

New MRR:      $12,340

Churned MRR:  $4,120

Net MRR:      +$8,220

SUBSCRIPTION BREAKDOWN:

Active:       892

Trialing:     156

Past Due:     23

Cancelled:    45 (this month)

BY PLAN:

Starter    ████████░░░░░░░░ 45%  │ $28,500

Growth     ██████████░░░░░░ 38%  │ $47,600

Enterprise ██████░░░░░░░░░░ 17%  │ $49,350

CHURN ANALYSIS:

Monthly Churn Rate:  4.2%

MRR Churn:          $4,120

Reasons:

- Price             ████████░░░░ 35%

- Competitor        ██████░░░░░░ 25%

- No longer needed  ████░░░░░░░░ 20%

- Support issues    ███░░░░░░░░░ 12%

- Other             ██░░░░░░░░░░ 8%

Cohort Analysis

cohort_metrics:

  - cohort: "2024-01"

    customers: 150

    month_1_retention: 95%

    month_3_retention: 82%

    month_6_retention: 71%

    ltv_estimate: $890

  - cohort: "2024-02"

    customers: 180

    month_1_retention: 93%

    month_3_retention: 79%

    ltv_estimate: $820

Fraud Prevention

Risk Rules

radar_rules:

  - name: block_high_risk

    condition: "risk_level = 'highest'"

    action: block

  - name: review_elevated_risk

    condition: "risk_level = 'elevated'"

    action: review

  - name: block_disposable_email

    condition: "email_domain in @disposable_domains"

    action: block

  - name: velocity_check

    condition: "card_country != ip_country"

    action: review

  - name: amount_threshold

    condition: "amount > 100000"  # $1000

    action: review

Customer Portal

Portal Configuration

customer_portal:

  features:

    subscription_update:

      enabled: true

      products:

        - product_starter

        - product_growth

        - product_enterprise

      proration_behavior: create_prorations

    subscription_cancel:

      enabled: true

      mode: at_period_end

      cancellation_reason:

        enabled: true

        options:

          - "Too expensive"

          - "Missing features"

          - "Switched to competitor"

          - "No longer needed"

          - "Other"

    payment_method_update:

      enabled: true

    invoice_history:

      enabled: true

  branding:

    colors:

      primary: "#5469d4"

    icon: "{{company_icon}}"

Reporting Automation

Scheduled Reports

reports:

  - name: daily_revenue

    schedule: "0 9 * * *"

    metrics:

      - gross_volume

      - net_volume

      - new_customers

      - failed_payments

    destination: slack_finance

  - name: weekly_mrr

    schedule: "0 9 * * 1"

    metrics:

      - mrr

      - arr

      - churn_rate

      - expansion_revenue

    destination: email_leadership

  - name: monthly_reconciliation

    schedule: "0 9 1 * *"

    metrics:

      - total_revenue

      - fees

      - refunds

      - payouts

    destination: accounting_system

API Examples

Common Operations

// Create Customer

const customer = await stripe.customers.create({

  email: 'customer@example.com',

  name: 'John Doe',

  metadata: {

    user_id: '12345'

  }

});

// Create Subscription

const subscription = await stripe.subscriptions.create({

  customer: customer.id,

  items: [{ price: 'price_xxx' }],

  trial_period_days: 14,

  payment_behavior: 'default_incomplete',

  expand: ['latest_invoice.payment_intent']

});

// Update Subscription

await stripe.subscriptions.update(subscription.id, {

  items: [{

    id: subscription.items.data[0].id,

    price: 'price_new_xxx'

  }],

  proration_behavior: 'create_prorations'

});

// Issue Refund

const refund = await stripe.refunds.create({

  payment_intent: 'pi_xxx',

  amount: 1000  // Partial refund

});

Best Practices

• Use Webhooks: Don't rely on redirect alone

• Idempotency Keys: Prevent duplicate charges

• Error Handling: Graceful failure recovery

• PCI Compliance: Use Stripe Elements

• Test Mode: Validate before production

• Monitor Disputes: Respond promptly

• Dunning Strategy: Recover failed payments

• Revenue Recognition: Track MRR properly