A comprehensive framework for integrating secure payment gateways, subscription billing, and checkout flows into modern applications.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install payments
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install payments using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is Payments?
The Payments skill provides a robust architectural framework for developers looking to implement financial transactions within their applications using Openclaw Skills. It covers the entire lifecycle of a transaction, from selecting the right provider like Stripe or Paddle to implementing mission-critical features like webhooks, idempotency, and PCI compliance.
By focusing on security-first principles, this skill ensures that developers avoid common pitfalls such as storing sensitive card data or relying on insecure client-side confirmations. Whether you are building a simple e-commerce store or a complex SaaS subscription platform, this skill offers the technical guidance needed to manage the entire payment lifecycle while maintaining high standards of data integrity and fraud prevention.
Payments Use Cases
- Selecting a payment processor based on regional tax requirements (VAT) or business models.
- Implementing secure checkout flows and handling real-time webhook notifications for order fulfillment.
- Managing recurring subscription billing, including trials, upgrades, and cancellations.
- Ensuring PCI compliance and fraud prevention across all transaction types by utilizing tokenization.
How Payments Works
- Contextual Loading: The agent identifies the specific payment need and loads the relevant sub-module such as providers.md for selection or integration.md for technical setup.
- Provider Selection: Developers compare processors based on criteria like global coverage, Merchant of Record needs, or marketplace split capabilities.
- Implementation: Integration follows the universal rule that webhooks are the single source of truth, ensuring server-side verification for all transaction successes.
- Security Validation: The system enforces rules against storing sensitive data and requires the use of provider-hosted tokenization.
- Lifecycle Management: The skill provides logic for handling ongoing billing events, including retries for failed webhooks and subscription status updates.
Payments Setup
To begin using this skill within your development environment, ensure you have your provider API keys ready and follow these steps:
# Initialize your payment configuration
# Load the payments module within your Openclaw Skills workflow
openclaw install payments-skill
# Configure environment variables for your chosen provider
export STRIPE_SECRET_KEY='sk_test_...'
export WEBHOOK_SECRET='whsec_...'
Payments Data Schema & Taxonomy
The Payments skill organizes its logic and metadata through a modular file system to ensure specific handling of different financial states:
| File | Purpose |
|---|---|
providers.md |
Comparison data for Stripe, Paddle, LemonSqueezy, and specialized processors. |
integration.md |
Technical workflows for checkout, webhooks, and refund processing. |
subscriptions.md |
Logic for recurring billing, trial periods, and tier upgrades/downgrades. |
security.md |
Protocols for PCI compliance, fraud prevention, and secure tokenization. |
Payments Advanced Features
- Idempotency key implementation to prevent duplicate charges during network retries.
- Automated webhook verification flows to protect against fraudulent transaction data.
- Strategic pricing psychology models, such as defaulting to annual billing for higher retention.
- Support for complex marketplace splits and multi-party payments using Stripe Connect.
- Standardized error handling for declined, expired, or insufficient fund states within the Openclaw Skills ecosystem.
SKILL.md
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