@rune-kit/rune 2.10.0 → 2.12.0

package/extensions/saas/skills/billing-integration.md

@@ -1,200 +1,200 @@
----
-name: "billing-integration"
-pack: "@rune/saas"
-description: "Billing integration — Stripe, LemonSqueezy, and Polar. Subscription lifecycle, one-time checkout, webhook handling, Standard Webhooks verification, usage-based billing, dunning management, digital product delivery, and tax handling."
-model: sonnet
-tools: [Read, Edit, Write, Grep, Glob, Bash]
----
-
-# billing-integration
-
-Billing integration — Stripe, LemonSqueezy, and Polar. Subscription lifecycle, one-time payment checkout, webhook handling, Standard Webhooks signature verification, usage-based billing, dunning management, digital product delivery, and tax handling.
-
-> **Provider selection**: Stripe requires a US/EU entity. LemonSqueezy and Polar act as Merchant of Record — handle VAT, tax compliance, and payouts globally. Prefer LemonSqueezy or Polar for solo founders in Vietnam/Southeast Asia. Polar is optimized for developer tools and digital products (open source monetization, one-time purchases, CLI tools).
-
-#### Workflow
-
-**Step 1 — Detect billing provider**
-Use Grep to find billing code: `stripe`, `lemonsqueezy`, `@stripe/stripe-js`, webhook endpoints (`/webhook`, `/billing/webhook`), subscription models. Read payment configuration and webhook handlers.
-
-**Step 2 — Audit webhook reliability**
-Check for: missing webhook signature verification, no idempotency handling, missing event types (subscription deleted, payment failed, invoice paid), no dead-letter queue for failed webhook processing, subscription state stored only in payment provider (no local sync).
-
-**Step 3 — Emit robust billing integration**
-Emit: webhook handler with signature verification, idempotent event processing (store processed event IDs), subscription state sync (local DB mirrors provider state).
-
-**Step 4 — Usage-based billing (metered)**
-For products where billing scales with usage (API calls, seats, storage): create a Stripe Meter, report usage records incrementally using `stripe.billing.meterEvents.create`, and handle overage pricing in the subscription's price tiers. Display current-period usage in the billing portal. For LemonSqueezy, use quantity-based subscriptions with a per-unit price and update quantity on usage checkpoints.
-
-**Step 5 — Dunning management flow**
-When `invoice.payment_failed` fires: Day 0 — notify customer, retry in 3 days. Day 3 — retry + second email. Day 7 — retry + urgent email + in-app warning banner. Day 14 — suspend account (read-only mode), email with payment link. Day 21 — cancel subscription, archive data with 30-day recovery window. Never hard-delete on cancellation.
-
-**Step 6 — Hosted checkout flow (one-time + subscription)**
-For products sold as one-time purchases (lifetime deals, digital products, CLI tools): create a checkout session server-side with product ID + metadata (user identifier, tier), redirect user to provider's hosted checkout page, listen for `order.paid` webhook to fulfill. This pattern works across all providers — only the API shape differs. Always pass fulfillment context (user ID, GitHub username, email) in checkout metadata so the webhook handler can deliver without a second lookup.
-
-**Step 7 — Standard Webhooks signature verification**
-Polar (and any provider using the Standard Webhooks spec via Svix) sends three headers: `webhook-id`, `webhook-timestamp`, `webhook-signature`. Verify with HMAC-SHA256: `sign(base64decode(secret), "{webhook-id}.{timestamp}.{rawBody}")`. Compare against all signatures in the header (space-separated `v1,{base64}`). Also check timestamp is within 5 minutes to prevent replay attacks. This is different from Stripe's `constructEvent` or LemonSqueezy's `x-signature` — detect which spec the provider uses.
-
-**Step 8 — Digital product delivery**
-After payment confirmation, deliver the product automatically. Three common patterns: (a) **Repo access** — call GitHub/GitLab API to add user as collaborator with `pull` permission. Pass username in checkout metadata. Handle 201 (invited) and 204 (already collaborator). (b) **License key** — generate unique key, store in DB with expiry + tier + features, email to customer. Provide public verification endpoint for the product to call at startup. (c) **Download link** — generate signed URL with expiry (S3 presigned, R2 signed). Email link + store for re-download. For all patterns: store delivery result alongside order, implement retry for partial failures, sync to central dashboard for tracking.
-
-#### Example
-
-```typescript
-// Stripe webhook — verified, idempotent, full lifecycle
-import Stripe from 'stripe';
-const stripe = new Stripe(process.env.STRIPE_SECRET_KEY!);
-
-app.post('/billing/webhook/stripe', express.raw({ type: 'application/json' }), async (req, res) => {
-  const sig = req.headers['stripe-signature']!;
-  let event: Stripe.Event;
-
-  try {
-    event = stripe.webhooks.constructEvent(req.body, sig, process.env.STRIPE_WEBHOOK_SECRET!);
-  } catch {
-    return res.status(400).json({ error: 'Invalid signature' });
-  }
-
-  const processed = await db.webhookEvent.findUnique({ where: { eventId: event.id } });
-  if (processed) return res.json({ received: true, skipped: true });
-
-  switch (event.type) {
-    case 'customer.subscription.created':
-    case 'customer.subscription.updated':
-      await syncSubscription(event.data.object as Stripe.Subscription); break;
-    case 'customer.subscription.deleted':
-      await cancelSubscription(event.data.object as Stripe.Subscription); break;
-    case 'invoice.payment_failed':
-      await startDunningFlow(event.data.object as Stripe.Invoice); break;
-    case 'invoice.payment_succeeded':
-      await clearDunningState((event.data.object as Stripe.Invoice).customer as string); break;
-  }
-
-  await db.webhookEvent.create({ data: { eventId: event.id, type: event.type, processedAt: new Date() } });
-  res.json({ received: true });
-});
-
-// LemonSqueezy webhook — alternative for Vietnam-based sellers
-import crypto from 'crypto';
-
-app.post('/billing/webhook/lemonsqueezy', express.raw({ type: 'application/json' }), async (req, res) => {
-  const secret = process.env.LEMONSQUEEZY_WEBHOOK_SECRET!;
-  const hmac = crypto.createHmac('sha256', secret);
-  const digest = Buffer.from(hmac.update(req.body).digest('hex'), 'utf8');
-  const signature = Buffer.from(req.headers['x-signature'] as string ?? '', 'utf8');
-
-  if (!crypto.timingSafeEqual(digest, signature)) {
-    return res.status(400).json({ error: 'Invalid signature' });
-  }
-
-  const payload = JSON.parse(req.body.toString());
-  const eventName: string = payload.meta.event_name;
-
-  switch (eventName) {
-    case 'subscription_created':
-    case 'subscription_updated':
-      await syncLSSubscription(payload.data); break;
-    case 'subscription_cancelled':
-      await cancelLSSubscription(payload.data); break;
-    case 'subscription_payment_failed':
-      await startDunningFlow({ customerId: payload.data.attributes.customer_id }); break;
-  }
-
-  res.json({ received: true });
-});
-
-// Polar — hosted checkout for one-time purchases (developer tools, digital products)
-// Create checkout session server-side, redirect client to checkout.url
-app.post('/checkout/create', async (req, res) => {
-  const { productId, githubUsername, email } = req.body;
-
-  const checkout = await fetch('https://api.polar.sh/v1/checkouts/', {
-    method: 'POST',
-    headers: {
-      Authorization: `Bearer ${process.env.POLAR_ACCESS_TOKEN}`,
-      'Content-Type': 'application/json',
-    },
-    body: JSON.stringify({
-      products: [productId],
-      success_url: `${process.env.APP_URL}/checkout/success?checkout_id={CHECKOUT_ID}`,
-      ...(email ? { customer_email: email } : {}),
-      metadata: { github_username: githubUsername, tier: 'pro' }, // fulfillment context
-    }),
-  }).then(r => r.json());
-
-  res.json({ url: checkout.url }); // redirect client to this URL
-});
-
-// Polar webhook — Standard Webhooks spec (also used by Svix, Resend, Clerk)
-app.post('/billing/webhook/polar', express.raw({ type: 'application/json' }), async (req, res) => {
-  const webhookId = req.headers['webhook-id'] as string;
-  const timestamp = req.headers['webhook-timestamp'] as string;
-  const signature = req.headers['webhook-signature'] as string;
-
-  // Verify: HMAC-SHA256(base64decode(secret), "{id}.{timestamp}.{body}")
-  const secret = Buffer.from(process.env.POLAR_WEBHOOK_SECRET!.replace(/^whsec_/, ''), 'base64');
-  const content = `${webhookId}.${timestamp}.${req.body.toString()}`;
-  const expected = crypto.createHmac('sha256', secret).update(content).digest('base64');
-
-  const valid = signature.split(' ').some(s => {
-    const parts = s.split(',');
-    return parts.length === 2 && parts[1] === expected;
-  });
-  if (!valid) return res.status(403).json({ error: 'Invalid signature' });
-
-  // Replay protection: reject timestamps older than 5 minutes
-  if (Math.abs(Date.now() / 1000 - Number(timestamp)) > 300) {
-    return res.status(403).json({ error: 'Timestamp too old' });
-  }
-
-  const event = JSON.parse(req.body.toString());
-  if (event.type !== 'order.paid') return res.json({ received: true });
-
-  const { metadata } = event.data;
-  // Deliver based on product type using metadata set during checkout
-  if (metadata.github_username) {
-    await inviteToRepo(metadata.github_username, 'org/private-repo', 'pull');
-  }
-
-  res.json({ received: true });
-});
-
-// Digital product delivery — GitHub repo invite
-const inviteToRepo = async (username: string, repo: string, permission: string) => {
-  const res = await fetch(`https://api.github.com/repos/${repo}/collaborators/${username}`, {
-    method: 'PUT',
-    headers: {
-      Authorization: `Bearer ${process.env.GITHUB_TOKEN}`,
-      Accept: 'application/vnd.github+json',
-    },
-    body: JSON.stringify({ permission }),
-  });
-  // 201 = invited, 204 = already collaborator — both are success
-  return { success: res.status === 201 || res.status === 204, status: res.status };
-};
-
-// Usage-based billing — report metered usage to Stripe
-const reportUsage = async (tenantId: string, quantity: number) => {
-  const subscription = await db.subscription.findUnique({ where: { tenantId } });
-  await stripe.billing.meterEvents.create({
-    event_name: 'api_call',
-    payload: { stripe_customer_id: subscription!.stripeCustomerId, value: String(quantity) },
-  });
-};
-
-// Dunning state machine
-const startDunningFlow = async ({ customer }: { customer?: string | null; customerId?: string }) => {
-  const tenantId = await getTenantByCustomer(customer ?? '');
-  await db.tenant.update({ where: { id: tenantId }, data: { dunningStartedAt: new Date(), status: 'PAYMENT_FAILED' } });
-  await emailQueue.add('dunning-day0', { tenantId }, { delay: 0 });
-  await emailQueue.add('dunning-day3', { tenantId }, { delay: 3 * 24 * 60 * 60 * 1000 });
-  await emailQueue.add('dunning-day7', { tenantId }, { delay: 7 * 24 * 60 * 60 * 1000 });
-  await emailQueue.add('dunning-suspend', { tenantId }, { delay: 14 * 24 * 60 * 60 * 1000 });
-  await emailQueue.add('dunning-cancel', { tenantId }, { delay: 21 * 24 * 60 * 60 * 1000 });
-};
-```
-
-**Tax handling:**
-- **Stripe Tax** — enable in Stripe dashboard, set `automatic_tax: { enabled: true }` on checkout sessions. Handles US state tax, EU VAT automatically.
-- **Paddle** — acts as Merchant of Record (same as LemonSqueezy), handles all tax obligations. Good alternative if LemonSqueezy doesn't support your use case.
-- **EU VAT** — if selling direct (not through MoR): collect VAT registration number, validate via VIES API, apply reverse charge for B2B EU transactions.
+---
+name: "billing-integration"
+pack: "@rune/saas"
+description: "Billing integration — Stripe, LemonSqueezy, and Polar. Subscription lifecycle, one-time checkout, webhook handling, Standard Webhooks verification, usage-based billing, dunning management, digital product delivery, and tax handling."
+model: sonnet
+tools: [Read, Edit, Write, Grep, Glob, Bash]
+---
+
+# billing-integration
+
+Billing integration — Stripe, LemonSqueezy, and Polar. Subscription lifecycle, one-time payment checkout, webhook handling, Standard Webhooks signature verification, usage-based billing, dunning management, digital product delivery, and tax handling.
+
+> **Provider selection**: Stripe requires a US/EU entity. LemonSqueezy and Polar act as Merchant of Record — handle VAT, tax compliance, and payouts globally. Prefer LemonSqueezy or Polar for solo founders in Vietnam/Southeast Asia. Polar is optimized for developer tools and digital products (open source monetization, one-time purchases, CLI tools).
+
+#### Workflow
+
+**Step 1 — Detect billing provider**
+Use Grep to find billing code: `stripe`, `lemonsqueezy`, `@stripe/stripe-js`, webhook endpoints (`/webhook`, `/billing/webhook`), subscription models. Read payment configuration and webhook handlers.
+
+**Step 2 — Audit webhook reliability**
+Check for: missing webhook signature verification, no idempotency handling, missing event types (subscription deleted, payment failed, invoice paid), no dead-letter queue for failed webhook processing, subscription state stored only in payment provider (no local sync).
+
+**Step 3 — Emit robust billing integration**
+Emit: webhook handler with signature verification, idempotent event processing (store processed event IDs), subscription state sync (local DB mirrors provider state).
+
+**Step 4 — Usage-based billing (metered)**
+For products where billing scales with usage (API calls, seats, storage): create a Stripe Meter, report usage records incrementally using `stripe.billing.meterEvents.create`, and handle overage pricing in the subscription's price tiers. Display current-period usage in the billing portal. For LemonSqueezy, use quantity-based subscriptions with a per-unit price and update quantity on usage checkpoints.
+
+**Step 5 — Dunning management flow**
+When `invoice.payment_failed` fires: Day 0 — notify customer, retry in 3 days. Day 3 — retry + second email. Day 7 — retry + urgent email + in-app warning banner. Day 14 — suspend account (read-only mode), email with payment link. Day 21 — cancel subscription, archive data with 30-day recovery window. Never hard-delete on cancellation.
+
+**Step 6 — Hosted checkout flow (one-time + subscription)**
+For products sold as one-time purchases (lifetime deals, digital products, CLI tools): create a checkout session server-side with product ID + metadata (user identifier, tier), redirect user to provider's hosted checkout page, listen for `order.paid` webhook to fulfill. This pattern works across all providers — only the API shape differs. Always pass fulfillment context (user ID, GitHub username, email) in checkout metadata so the webhook handler can deliver without a second lookup.
+
+**Step 7 — Standard Webhooks signature verification**
+Polar (and any provider using the Standard Webhooks spec via Svix) sends three headers: `webhook-id`, `webhook-timestamp`, `webhook-signature`. Verify with HMAC-SHA256: `sign(base64decode(secret), "{webhook-id}.{timestamp}.{rawBody}")`. Compare against all signatures in the header (space-separated `v1,{base64}`). Also check timestamp is within 5 minutes to prevent replay attacks. This is different from Stripe's `constructEvent` or LemonSqueezy's `x-signature` — detect which spec the provider uses.
+
+**Step 8 — Digital product delivery**
+After payment confirmation, deliver the product automatically. Three common patterns: (a) **Repo access** — call GitHub/GitLab API to add user as collaborator with `pull` permission. Pass username in checkout metadata. Handle 201 (invited) and 204 (already collaborator). (b) **License key** — generate unique key, store in DB with expiry + tier + features, email to customer. Provide public verification endpoint for the product to call at startup. (c) **Download link** — generate signed URL with expiry (S3 presigned, R2 signed). Email link + store for re-download. For all patterns: store delivery result alongside order, implement retry for partial failures, sync to central dashboard for tracking.
+
+#### Example
+
+```typescript
+// Stripe webhook — verified, idempotent, full lifecycle
+import Stripe from 'stripe';
+const stripe = new Stripe(process.env.STRIPE_SECRET_KEY!);
+
+app.post('/billing/webhook/stripe', express.raw({ type: 'application/json' }), async (req, res) => {
+  const sig = req.headers['stripe-signature']!;
+  let event: Stripe.Event;
+
+  try {
+    event = stripe.webhooks.constructEvent(req.body, sig, process.env.STRIPE_WEBHOOK_SECRET!);
+  } catch {
+    return res.status(400).json({ error: 'Invalid signature' });
+  }
+
+  const processed = await db.webhookEvent.findUnique({ where: { eventId: event.id } });
+  if (processed) return res.json({ received: true, skipped: true });
+
+  switch (event.type) {
+    case 'customer.subscription.created':
+    case 'customer.subscription.updated':
+      await syncSubscription(event.data.object as Stripe.Subscription); break;
+    case 'customer.subscription.deleted':
+      await cancelSubscription(event.data.object as Stripe.Subscription); break;
+    case 'invoice.payment_failed':
+      await startDunningFlow(event.data.object as Stripe.Invoice); break;
+    case 'invoice.payment_succeeded':
+      await clearDunningState((event.data.object as Stripe.Invoice).customer as string); break;
+  }
+
+  await db.webhookEvent.create({ data: { eventId: event.id, type: event.type, processedAt: new Date() } });
+  res.json({ received: true });
+});
+
+// LemonSqueezy webhook — alternative for Vietnam-based sellers
+import crypto from 'crypto';
+
+app.post('/billing/webhook/lemonsqueezy', express.raw({ type: 'application/json' }), async (req, res) => {
+  const secret = process.env.LEMONSQUEEZY_WEBHOOK_SECRET!;
+  const hmac = crypto.createHmac('sha256', secret);
+  const digest = Buffer.from(hmac.update(req.body).digest('hex'), 'utf8');
+  const signature = Buffer.from(req.headers['x-signature'] as string ?? '', 'utf8');
+
+  if (!crypto.timingSafeEqual(digest, signature)) {
+    return res.status(400).json({ error: 'Invalid signature' });
+  }
+
+  const payload = JSON.parse(req.body.toString());
+  const eventName: string = payload.meta.event_name;
+
+  switch (eventName) {
+    case 'subscription_created':
+    case 'subscription_updated':
+      await syncLSSubscription(payload.data); break;
+    case 'subscription_cancelled':
+      await cancelLSSubscription(payload.data); break;
+    case 'subscription_payment_failed':
+      await startDunningFlow({ customerId: payload.data.attributes.customer_id }); break;
+  }
+
+  res.json({ received: true });
+});
+
+// Polar — hosted checkout for one-time purchases (developer tools, digital products)
+// Create checkout session server-side, redirect client to checkout.url
+app.post('/checkout/create', async (req, res) => {
+  const { productId, githubUsername, email } = req.body;
+
+  const checkout = await fetch('https://api.polar.sh/v1/checkouts/', {
+    method: 'POST',
+    headers: {
+      Authorization: `Bearer ${process.env.POLAR_ACCESS_TOKEN}`,
+      'Content-Type': 'application/json',
+    },
+    body: JSON.stringify({
+      products: [productId],
+      success_url: `${process.env.APP_URL}/checkout/success?checkout_id={CHECKOUT_ID}`,
+      ...(email ? { customer_email: email } : {}),
+      metadata: { github_username: githubUsername, tier: 'pro' }, // fulfillment context
+    }),
+  }).then(r => r.json());
+
+  res.json({ url: checkout.url }); // redirect client to this URL
+});
+
+// Polar webhook — Standard Webhooks spec (also used by Svix, Resend, Clerk)
+app.post('/billing/webhook/polar', express.raw({ type: 'application/json' }), async (req, res) => {
+  const webhookId = req.headers['webhook-id'] as string;
+  const timestamp = req.headers['webhook-timestamp'] as string;
+  const signature = req.headers['webhook-signature'] as string;
+
+  // Verify: HMAC-SHA256(base64decode(secret), "{id}.{timestamp}.{body}")
+  const secret = Buffer.from(process.env.POLAR_WEBHOOK_SECRET!.replace(/^whsec_/, ''), 'base64');
+  const content = `${webhookId}.${timestamp}.${req.body.toString()}`;
+  const expected = crypto.createHmac('sha256', secret).update(content).digest('base64');
+
+  const valid = signature.split(' ').some(s => {
+    const parts = s.split(',');
+    return parts.length === 2 && parts[1] === expected;
+  });
+  if (!valid) return res.status(403).json({ error: 'Invalid signature' });
+
+  // Replay protection: reject timestamps older than 5 minutes
+  if (Math.abs(Date.now() / 1000 - Number(timestamp)) > 300) {
+    return res.status(403).json({ error: 'Timestamp too old' });
+  }
+
+  const event = JSON.parse(req.body.toString());
+  if (event.type !== 'order.paid') return res.json({ received: true });
+
+  const { metadata } = event.data;
+  // Deliver based on product type using metadata set during checkout
+  if (metadata.github_username) {
+    await inviteToRepo(metadata.github_username, 'org/private-repo', 'pull');
+  }
+
+  res.json({ received: true });
+});
+
+// Digital product delivery — GitHub repo invite
+const inviteToRepo = async (username: string, repo: string, permission: string) => {
+  const res = await fetch(`https://api.github.com/repos/${repo}/collaborators/${username}`, {
+    method: 'PUT',
+    headers: {
+      Authorization: `Bearer ${process.env.GITHUB_TOKEN}`,
+      Accept: 'application/vnd.github+json',
+    },
+    body: JSON.stringify({ permission }),
+  });
+  // 201 = invited, 204 = already collaborator — both are success
+  return { success: res.status === 201 || res.status === 204, status: res.status };
+};
+
+// Usage-based billing — report metered usage to Stripe
+const reportUsage = async (tenantId: string, quantity: number) => {
+  const subscription = await db.subscription.findUnique({ where: { tenantId } });
+  await stripe.billing.meterEvents.create({
+    event_name: 'api_call',
+    payload: { stripe_customer_id: subscription!.stripeCustomerId, value: String(quantity) },
+  });
+};
+
+// Dunning state machine
+const startDunningFlow = async ({ customer }: { customer?: string | null; customerId?: string }) => {
+  const tenantId = await getTenantByCustomer(customer ?? '');
+  await db.tenant.update({ where: { id: tenantId }, data: { dunningStartedAt: new Date(), status: 'PAYMENT_FAILED' } });
+  await emailQueue.add('dunning-day0', { tenantId }, { delay: 0 });
+  await emailQueue.add('dunning-day3', { tenantId }, { delay: 3 * 24 * 60 * 60 * 1000 });
+  await emailQueue.add('dunning-day7', { tenantId }, { delay: 7 * 24 * 60 * 60 * 1000 });
+  await emailQueue.add('dunning-suspend', { tenantId }, { delay: 14 * 24 * 60 * 60 * 1000 });
+  await emailQueue.add('dunning-cancel', { tenantId }, { delay: 21 * 24 * 60 * 60 * 1000 });
+};
+```
+
+**Tax handling:**
+- **Stripe Tax** — enable in Stripe dashboard, set `automatic_tax: { enabled: true }` on checkout sessions. Handles US state tax, EU VAT automatically.
+- **Paddle** — acts as Merchant of Record (same as LemonSqueezy), handles all tax obligations. Good alternative if LemonSqueezy doesn't support your use case.
+- **EU VAT** — if selling direct (not through MoR): collect VAT registration number, validate via VIES API, apply reverse charge for B2B EU transactions.