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

• 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

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

• 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

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