vibes-plug 1.0.0 → 2.11.0

package/skills/saas-billing/SKILL.md

@@ -1,377 +1,383 @@
----
-name: saas-billing
-description: "Implement and audit SaaS billing systems, subscription state machines, secure webhooks, and local database synchronization / Implementasi dan audit sistem billing SaaS, state machine langganan, webhook aman, dan sinkronisasi database lokal."
+---
+name: saas-billing
+description: "Implement and audit SaaS billing systems, subscription state machines, secure webhooks, and local database synchronization / Implementasi dan audit sistem billing SaaS, state machine langganan, webhook aman, dan sinkronisasi database lokal."
 author: "Roedy Rustam"
----
-
-# SaaS Billing Expert (2026 Edition)
-
-[English](#english) | [Bahasa Indonesia](#bahasa-indonesia)
-
----
-
-<a name="english"></a>
-## English
-
-### Description
-Expert guide for implementing and auditing SaaS billing systems. Covers subscription state machines, secure webhook handling, database synchronization, and the 2026 billing landscape including Stripe, **Polar.sh** (open-source, developer-first), **LemonSqueezy**, PayPal, and Midtrans (for Southeast Asia).
-
-### Trigger Conditions
-- Integrating any payment gateway (Stripe, Polar.sh, LemonSqueezy, Midtrans, PayPal) into a SaaS application.
-- Using a Static-to-Dynamic QRIS alternative (with unique nominals and mutation webhooks) for local developers without PG accounts.
-- Implementing subscription state machines (active → past_due → canceled → reactivated).
-- Building secure webhook handlers with signature verification and idempotency.
-- Syncing external subscription status to a local database.
-- Implementing usage-based billing or metered API pricing.
-- Building the customer billing portal (manage subscription, download invoices).
-- Auditing an existing billing system for security gaps.
-
-### 2026 Billing Provider Landscape
-
-| Provider | Best For | Open Source | Merchant of Record |
-|---|---|---|---|
-| **Stripe** | Enterprise, global, complex billing | ❌ | ❌ |
-| **Polar.sh** | Developer-first, open-source products | ✅ | ✅ (optional) |
-| **LemonSqueezy** | Indie hackers, simple pricing, global | ❌ | ✅ |
-| **Paddle** | B2B SaaS, EU VAT compliance | ❌ | ✅ |
-| **Midtrans** | Southeast Asia / Indonesia | ❌ | ❌ |
-| **PayPal** | Global, consumer trust | ❌ | ❌ |
-
-> **Merchant of Record (MoR)**: The provider handles tax compliance (VAT, GST), chargebacks, and legal liability — ideal for small teams without a finance department.
-
-### Polar.sh — Developer-First Billing (2026 Rising Star)
-Polar.sh is the modern, open-source alternative to Gumroad/LemonSqueezy, purpose-built for developers and open-source projects:
-```typescript
-import { Polar } from "@polar-sh/sdk";
-
-const polar = new Polar({ accessToken: process.env.POLAR_ACCESS_TOKEN });
-
-// Create a checkout session
-const checkout = await polar.checkouts.custom.create({
-  productId: "prod_xxxx",
-  successUrl: "https://myapp.com/success?checkout={CHECKOUT_ID}",
-  customerEmail: user.email,
-  metadata: { userId: user.id },
-});
-
-// Redirect to checkout
-return redirect(checkout.url);
-```
-
-```typescript
-// Webhook handler (Next.js App Router)
-import { validateEvent, WebhookVerificationError } from "@polar-sh/sdk/webhooks";
-
-export async function POST(req: Request) {
-  const body = await req.text();
-  const signature = req.headers.get("webhook-signature") ?? "";
-  
-  try {
-    const event = validateEvent(body, req.headers, process.env.POLAR_WEBHOOK_SECRET!);
-    
-    switch (event.type) {
-      case "subscription.created":
-      case "subscription.updated":
-        await syncSubscription(event.data);
-        break;
-      case "subscription.canceled":
-        await cancelSubscription(event.data.id);
-        break;
-    }
-    return new Response(null, { status: 200 });
-  } catch (e) {
-    if (e instanceof WebhookVerificationError) {
-      return new Response("Invalid signature", { status: 403 });
-    }
-    throw e;
-  }
-}
-```
-
-### Stripe — Production Patterns
-
-#### Subscription State Machine
-```
-FREE ──subscribe──> TRIALING ──trial_ends──> ACTIVE
-                                              │
-                              ┌───────────────┤
-                              │               │
-                         payment fails    cancel
-                              │               │
-                          PAST_DUE        CANCELED
-                              │
-                         3 failed retries
-                              │
-                          CANCELED
-```
-
-#### Idempotent Webhook Handler
-```typescript
-// app/api/webhooks/stripe/route.ts
-import Stripe from 'stripe';
-import { db } from '@/lib/db';
-
-const stripe = new Stripe(process.env.STRIPE_SECRET_KEY!);
-
-export async function POST(req: Request) {
-  const body = await req.text();
-  const sig = req.headers.get('stripe-signature')!;
-  
-  let event: Stripe.Event;
-  try {
-    event = stripe.webhooks.constructEvent(body, sig, process.env.STRIPE_WEBHOOK_SECRET!);
-  } catch {
-    return new Response('Invalid signature', { status: 400 });
-  }
-
-  // Idempotency: skip already-processed events
-  const processed = await db.webhookEvent.findUnique({ where: { stripeEventId: event.id } });
-  if (processed) return new Response(null, { status: 200 });
-
-  // Process event
-  switch (event.type) {
-    case 'customer.subscription.created':
-    case 'customer.subscription.updated': {
-      const sub = event.data.object as Stripe.Subscription;
-      await db.subscription.upsert({
-        where: { stripeSubId: sub.id },
-        create: { stripeSubId: sub.id, status: sub.status, userId: sub.metadata.userId },
-        update: { status: sub.status, currentPeriodEnd: new Date(sub.current_period_end * 1000) },
-      });
-      break;
-    }
-    case 'invoice.payment_failed': {
-      const invoice = event.data.object as Stripe.Invoice;
-      await sendDunningEmail(invoice.customer_email!);
-      break;
-    }
-  }
-
-  // Mark as processed
-  await db.webhookEvent.create({ data: { stripeEventId: event.id } });
-  return new Response(null, { status: 200 });
-}
-```
-
-#### Usage-Based Billing (Metered)
-```typescript
-// Report usage at end of billing period
-await stripe.subscriptionItems.createUsageRecord(subscriptionItemId, {
-  quantity: apiCallsThisMonth,
-  timestamp: Math.floor(Date.now() / 1000),
-  action: 'set', // 'set' or 'increment'
-});
-```
-
-### PayPal — Checkout Integration
-
-PayPal remains a trusted global standard for one-off payments and subscriptions.
-
-#### Create Order (Server-Side)
-```typescript
-// app/api/paypal/create-order/route.ts
-import { paypalClient } from '@/lib/paypal';
-import paypal from '@paypal/checkout-server-sdk';
-
-export async function POST() {
-  const request = new paypal.orders.OrdersCreateRequest();
-  request.prefer("return=representation");
-  request.requestBody({
-    intent: 'CAPTURE',
-    purchase_units: [{ amount: { currency_code: 'USD', value: '29.99' } }]
-  });
-
-  const response = await paypalClient().execute(request);
-  return Response.json({ id: response.result.id });
-}
-```
-
-#### Capture Payment (Server-Side)
-```typescript
-// app/api/paypal/capture-order/route.ts
-import { db } from '@/lib/db';
-import { paypalClient } from '@/lib/paypal';
-import paypal from '@paypal/checkout-server-sdk';
-
-export async function POST(req: Request) {
-  const { orderID, userId } = await req.json();
-  const request = new paypal.orders.OrdersCaptureRequest(orderID);
-  request.requestBody({});
-
-  const response = await paypalClient().execute(request);
-  if (response.result.status === 'COMPLETED') {
-    // Grant access or update subscription in DB
-    await db.subscription.create({
-      data: { userId, provider: 'paypal', status: 'active' }
-    });
-    return Response.json({ success: true });
-  }
-  return Response.json({ success: false }, { status: 400 });
-}
-```
-
-### QRIS Static-to-Dynamic (Indonesia Alternative)
-
-For Indonesian developers without an official Payment Gateway account, you can create a "Dynamic" QRIS experience using a single Static QRIS combined with unique payment amounts and a bank mutation checking service (e.g., Moota, Cekmutasi) via webhook.
-
-#### 1. Generate Unique Amount (Server-Side)
-```typescript
-// Add a unique 3-digit code to the base price
-export async function createQrisTransaction(userId: string, basePrice: number) {
-  // Generate a random code between 1 and 999
-  const uniqueCode = Math.floor(Math.random() * 999) + 1;
-  const totalAmount = basePrice + uniqueCode;
-  
-  const transaction = await db.transaction.create({
-    data: {
-      userId, basePrice, uniqueCode, totalAmount,
-      status: 'pending', provider: 'qris_static',
-      expiresAt: new Date(Date.now() + 15 * 60 * 1000) // 15 mins expiry
-    }
-  });
-  
-  return {
-    transactionId: transaction.id,
-    totalAmount,
-    qrisUrl: "https://myapp.com/static-qris.png" // User must manually input totalAmount
-  };
-}
-```
-
-#### 2. Mutation Webhook Handler & Real-Time Notification
-```typescript
-// app/api/webhooks/mutation/route.ts
-import { db } from '@/lib/db';
-import { pusherServer } from '@/lib/pusher';
-
-export async function POST(req: Request) {
-  const signature = req.headers.get("signature");
-  // TODO: Verify signature from mutation service (e.g., Moota)
-  
-  const mutations = await req.json();
-  
-  for (const mutation of mutations) {
-    if (mutation.type === 'CR' && mutation.amount > 0) {
-      // Find pending transaction matching the exact unique amount
-      const tx = await db.transaction.findFirst({
-        where: {
-          totalAmount: mutation.amount,
-          status: 'pending',
-          provider: 'qris_static',
-          expiresAt: { gt: new Date() }
-        }
-      });
-      
-      if (tx) {
-        // Mark as paid and activate subscription
-        await db.transaction.update({ where: { id: tx.id }, data: { status: 'paid' } });
-        await db.subscription.create({
-          data: { userId: tx.userId, provider: 'qris_static', status: 'active' }
-        });
-        
-        // Trigger real-time notification to frontend
-        await pusherServer.trigger(`payment-${tx.id}`, 'payment-success', { success: true });
-      }
-    }
-  }
-  
-  return new Response("OK", { status: 200 });
-}
-```
-
-### Database Schema for Multi-Provider Billing
-```typescript
-// Drizzle ORM — supports Stripe, Polar, LemonSqueezy, PayPal, QRIS Static
-export const subscriptions = pgTable('subscriptions', {
-  id: text('id').primaryKey(),
-  workspaceId: text('workspace_id').references(() => workspaces.id).notNull(),
-  provider: text('provider').$type<'stripe' | 'polar' | 'lemonsqueezy' | 'paypal' | 'qris_static'>().notNull(),
-  externalCustomerId: text('external_customer_id').notNull(),
-  externalSubId: text('external_sub_id').notNull().unique(),
-  status: text('status').$type<'active' | 'trialing' | 'past_due' | 'canceled' | 'paused'>().notNull(),
-  plan: text('plan').$type<'free' | 'pro' | 'enterprise'>().default('free').notNull(),
-  currentPeriodEnd: timestamp('current_period_end'),
-  cancelAtPeriodEnd: boolean('cancel_at_period_end').default(false),
-  createdAt: timestamp('created_at').defaultNow().notNull(),
-  updatedAt: timestamp('updated_at').defaultNow().notNull(),
-});
-```
-
-### Billing Security Checklist
-- [ ] Webhook signature verified on every request — reject without valid signature.
-- [ ] Webhook idempotency implemented — never process the same event twice.
-- [ ] Session Management Optimization: Secure the billing portal route with strict session validation and CSRF protection. Do not cache session-dependent billing states.
-- [ ] Use Stripe CLI / Polar.sh test webhooks for local development.
-- [ ] All billing API calls use server-side code only — never expose secret keys to frontend.
-- [ ] Plan limits enforced on every protected route (not just at checkout).
-- [ ] Failed payment dunning flow configured (email sequence, grace period).
-- [ ] Customer portal link available from within the app.
-
----
-
-<a name="bahasa-indonesia"></a>
-## Bahasa Indonesia
-
-### Deskripsi
-Panduan ahli untuk mengimplementasikan dan mengaudit sistem billing SaaS. Mencakup state machine langganan, penanganan webhook aman, sinkronisasi database, dan lanskap billing 2026 termasuk Stripe, **Polar.sh** (open-source, developer-first), **LemonSqueezy**, PayPal, dan Midtrans (untuk Asia Tenggara).
-
-### Kondisi Pemicu
-- Mengintegrasikan payment gateway (Stripe, Polar.sh, LemonSqueezy, Midtrans, PayPal) ke aplikasi SaaS.
-- Menggunakan alternatif QRIS Statis menjadi Dinamis (dengan nominal unik dan webhook mutasi) untuk developer lokal tanpa akun PG.
-- Mengimplementasikan state machine langganan.
-- Membangun webhook handler aman dengan verifikasi tanda tangan dan idempotency.
-- Menyinkronkan status langganan eksternal ke database lokal.
-- Mengimplementasikan billing berbasis penggunaan (metered pricing).
-- Membangun portal billing pelanggan.
-- Mengaudit sistem billing yang ada untuk celah keamanan.
-
-### Lanskap Provider Billing 2026
-
-| Provider | Terbaik Untuk | Open Source | Merchant of Record |
-|---|---|---|---|
-| **Stripe** | Enterprise, global, billing kompleks | ❌ | ❌ |
-| **Polar.sh** | Developer-first, produk open-source | ✅ | ✅ (opsional) |
-| **LemonSqueezy** | Indie hackers, harga sederhana | ❌ | ✅ |
-| **Paddle** | B2B SaaS, kepatuhan PPN EU | ❌ | ✅ |
-| **Midtrans** | Asia Tenggara / Indonesia | ❌ | ❌ |
-| **PayPal** | Global, kepercayaan konsumen (consumer trust) | ❌ | ❌ |
-
-> **Merchant of Record (MoR)**: Provider menangani kepatuhan pajak (PPN, GST), chargeback, dan tanggung jawab hukum — ideal untuk tim kecil tanpa departemen keuangan.
-
-### Polar.sh — Billing Developer-First
-Polar.sh adalah alternatif open-source modern untuk Gumroad/LemonSqueezy, dirancang khusus untuk developer dan proyek open-source. Mendukung checkout, webhook, dan manajemen langganan dengan SDK TypeScript yang bersih.
-
-### PayPal — Integrasi Checkout
-PayPal sering digunakan sebagai gateway alternatif atau utama karena tingginya kepercayaan konsumen global.
-- **Server-Side Checkout**: Gunakan `create-order` dan `capture-order` di backend (menggunakan `@paypal/checkout-server-sdk`) untuk memastikan keamanan dan mencegah manipulasi harga di sisi klien.
-- **Webhook**: Verifikasi webhook dari PayPal untuk langganan yang diperbarui atau dibatalkan.
-
-### Stripe — Pola Produksi
-
-#### State Machine Langganan
-Kelola transisi status: `FREE → TRIALING → ACTIVE → PAST_DUE → CANCELED → (reaktivasi)`.
-
-#### Webhook Handler Idempoten
-Selalu verifikasi tanda tangan webhook, tandai event sebagai diproses di database untuk mencegah duplikasi.
-
-#### Billing Berbasis Penggunaan (Metered)
-Laporkan penggunaan API dengan `stripe.subscriptionItems.createUsageRecord()` di akhir periode billing.
-
-### Alternatif Lokal: QRIS Statis Rasa Dinamis (Tanpa Akun Payment Gateway)
-Bagi pengguna/developer di Indonesia yang belum memiliki Payment Gateway (seperti Midtrans), Anda dapat membuat pengalaman QRIS "Dinamis" menggunakan satu gambar QRIS statis biasa.
-- **Generate Nominal Unik (Endpoint)**: Tambahkan angka unik (misalnya 3 digit acak) ke harga dasar (contoh: Rp 100.000 menjadi Rp 100.123). Simpan ke database sebagai transaksi `pending` dengan batas waktu kadaluarsa (misal 15 menit). Tampilkan gambar QRIS beserta instruksi transfer sesuai nominal unik.
-- **Webhook Mutasi Bank**: Gunakan layanan pihak ketiga (seperti Moota, Cekmutasi) yang mengirimkan notifikasi webhook (ke `/api/webhooks/mutation`) setiap kali ada uang masuk.
-- **Validasi Otomatis**: Saat webhook menerima payload mutasi kredit (`CR`), sistem mencari transaksi `pending` yang jumlahnya sama persis (`totalAmount`). Jika cocok, sistem menandai tagihan sebagai lunas (`paid`) dan mengaktifkan langganan.
-- **Notifikasi Klien**: Gunakan WebSocket (seperti Pusher atau Socket.io) di backend untuk melakukan *trigger event* "pembayaran berhasil". Di frontend, *listen* ke event tersebut dan tampilkan notifikasi *real-time* kepada pengguna secara instan tanpa perlu me-refresh halaman.
-
-### Skema Database Multi-Provider
-Rancang tabel `subscriptions` yang mendukung beberapa provider (`stripe`, `polar`, `lemonsqueezy`, `paypal`, `qris_static`) dengan kolom `provider` dan ID eksternal yang terpisah.
-
-### Checklist Keamanan Billing
-- [ ] Tanda tangan webhook diverifikasi pada setiap permintaan.
-- [ ] Idempotency webhook diimplementasikan.
-- [ ] Optimasi Session Management: Amankan rute portal billing dengan validasi sesi yang ketat dan perlindungan CSRF. Jangan gunakan cache untuk state billing yang bergantung pada sesi pengguna.
-- [ ] Semua panggilan API billing menggunakan kode sisi server saja.
-- [ ] Batas plan diterapkan pada setiap rute yang dilindungi.
-- [ ] Alur dunning pembayaran gagal dikonfigurasi.
-- [ ] Tautan portal pelanggan tersedia dari dalam aplikasi.
+---
+
+# SaaS Billing Expert (2026 Edition)
+
+[English](#english) | [Bahasa Indonesia](#bahasa-indonesia)
+
+---
+
+<a name="english"></a>
+## English
+
+### Orchestration & Integration
+Connects and orchestrates with relevant domain skills like `brainstorming`, `zero-to-prod-orchestrator`, and `project-context-mapper` to ensure cohesive execution.
+
+### Description
+Expert guide for implementing and auditing SaaS billing systems. Covers subscription state machines, secure webhook handling, database synchronization, and the 2026 billing landscape including Stripe, **Polar.sh** (open-source, developer-first), **LemonSqueezy**, PayPal, and Midtrans (for Southeast Asia).
+
+### Trigger Conditions
+- Integrating any payment gateway (Stripe, Polar.sh, LemonSqueezy, Midtrans, PayPal) into a SaaS application.
+- Using a Static-to-Dynamic QRIS alternative (with unique nominals and mutation webhooks) for local developers without PG accounts.
+- Implementing subscription state machines (active → past_due → canceled → reactivated).
+- Building secure webhook handlers with signature verification and idempotency.
+- Syncing external subscription status to a local database.
+- Implementing usage-based billing or metered API pricing.
+- Building the customer billing portal (manage subscription, download invoices).
+- Auditing an existing billing system for security gaps.
+
+### 2026 Billing Provider Landscape
+
+| Provider | Best For | Open Source | Merchant of Record |
+|---|---|---|---|
+| **Stripe** | Enterprise, global, complex billing | ❌ | ❌ |
+| **Polar.sh** | Developer-first, open-source products | ✅ | ✅ (optional) |
+| **LemonSqueezy** | Indie hackers, simple pricing, global | ❌ | ✅ |
+| **Paddle** | B2B SaaS, EU VAT compliance | ❌ | ✅ |
+| **Midtrans** | Southeast Asia / Indonesia | ❌ | ❌ |
+| **PayPal** | Global, consumer trust | ❌ | ❌ |
+
+> **Merchant of Record (MoR)**: The provider handles tax compliance (VAT, GST), chargebacks, and legal liability — ideal for small teams without a finance department.
+
+### Polar.sh — Developer-First Billing (2026 Rising Star)
+Polar.sh is the modern, open-source alternative to Gumroad/LemonSqueezy, purpose-built for developers and open-source projects:
+```typescript
+import { Polar } from "@polar-sh/sdk";
+
+const polar = new Polar({ accessToken: process.env.POLAR_ACCESS_TOKEN });
+
+// Create a checkout session
+const checkout = await polar.checkouts.custom.create({
+  productId: "prod_xxxx",
+  successUrl: "https://myapp.com/success?checkout={CHECKOUT_ID}",
+  customerEmail: user.email,
+  metadata: { userId: user.id },
+});
+
+// Redirect to checkout
+return redirect(checkout.url);
+```
+
+```typescript
+// Webhook handler (Next.js App Router)
+import { validateEvent, WebhookVerificationError } from "@polar-sh/sdk/webhooks";
+
+export async function POST(req: Request) {
+  const body = await req.text();
+  const signature = req.headers.get("webhook-signature") ?? "";
+  
+  try {
+    const event = validateEvent(body, req.headers, process.env.POLAR_WEBHOOK_SECRET!);
+    
+    switch (event.type) {
+      case "subscription.created":
+      case "subscription.updated":
+        await syncSubscription(event.data);
+        break;
+      case "subscription.canceled":
+        await cancelSubscription(event.data.id);
+        break;
+    }
+    return new Response(null, { status: 200 });
+  } catch (e) {
+    if (e instanceof WebhookVerificationError) {
+      return new Response("Invalid signature", { status: 403 });
+    }
+    throw e;
+  }
+}
+```
+
+### Stripe — Production Patterns
+
+#### Subscription State Machine
+```
+FREE ──subscribe──> TRIALING ──trial_ends──> ACTIVE
+                                              │
+                              ┌───────────────┤
+                              │               │
+                         payment fails    cancel
+                              │               │
+                          PAST_DUE        CANCELED
+                              │
+                         3 failed retries
+                              │
+                          CANCELED
+```
+
+#### Idempotent Webhook Handler
+```typescript
+// app/api/webhooks/stripe/route.ts
+import Stripe from 'stripe';
+import { db } from '@/lib/db';
+
+const stripe = new Stripe(process.env.STRIPE_SECRET_KEY!);
+
+export async function POST(req: Request) {
+  const body = await req.text();
+  const sig = req.headers.get('stripe-signature')!;
+  
+  let event: Stripe.Event;
+  try {
+    event = stripe.webhooks.constructEvent(body, sig, process.env.STRIPE_WEBHOOK_SECRET!);
+  } catch {
+    return new Response('Invalid signature', { status: 400 });
+  }
+
+  // Idempotency: skip already-processed events
+  const processed = await db.webhookEvent.findUnique({ where: { stripeEventId: event.id } });
+  if (processed) return new Response(null, { status: 200 });
+
+  // Process event
+  switch (event.type) {
+    case 'customer.subscription.created':
+    case 'customer.subscription.updated': {
+      const sub = event.data.object as Stripe.Subscription;
+      await db.subscription.upsert({
+        where: { stripeSubId: sub.id },
+        create: { stripeSubId: sub.id, status: sub.status, userId: sub.metadata.userId },
+        update: { status: sub.status, currentPeriodEnd: new Date(sub.current_period_end * 1000) },
+      });
+      break;
+    }
+    case 'invoice.payment_failed': {
+      const invoice = event.data.object as Stripe.Invoice;
+      await sendDunningEmail(invoice.customer_email!);
+      break;
+    }
+  }
+
+  // Mark as processed
+  await db.webhookEvent.create({ data: { stripeEventId: event.id } });
+  return new Response(null, { status: 200 });
+}
+```
+
+#### Usage-Based Billing (Metered)
+```typescript
+// Report usage at end of billing period
+await stripe.subscriptionItems.createUsageRecord(subscriptionItemId, {
+  quantity: apiCallsThisMonth,
+  timestamp: Math.floor(Date.now() / 1000),
+  action: 'set', // 'set' or 'increment'
+});
+```
+
+### PayPal — Checkout Integration
+
+PayPal remains a trusted global standard for one-off payments and subscriptions.
+
+#### Create Order (Server-Side)
+```typescript
+// app/api/paypal/create-order/route.ts
+import { paypalClient } from '@/lib/paypal';
+import paypal from '@paypal/checkout-server-sdk';
+
+export async function POST() {
+  const request = new paypal.orders.OrdersCreateRequest();
+  request.prefer("return=representation");
+  request.requestBody({
+    intent: 'CAPTURE',
+    purchase_units: [{ amount: { currency_code: 'USD', value: '29.99' } }]
+  });
+
+  const response = await paypalClient().execute(request);
+  return Response.json({ id: response.result.id });
+}
+```
+
+#### Capture Payment (Server-Side)
+```typescript
+// app/api/paypal/capture-order/route.ts
+import { db } from '@/lib/db';
+import { paypalClient } from '@/lib/paypal';
+import paypal from '@paypal/checkout-server-sdk';
+
+export async function POST(req: Request) {
+  const { orderID, userId } = await req.json();
+  const request = new paypal.orders.OrdersCaptureRequest(orderID);
+  request.requestBody({});
+
+  const response = await paypalClient().execute(request);
+  if (response.result.status === 'COMPLETED') {
+    // Grant access or update subscription in DB
+    await db.subscription.create({
+      data: { userId, provider: 'paypal', status: 'active' }
+    });
+    return Response.json({ success: true });
+  }
+  return Response.json({ success: false }, { status: 400 });
+}
+```
+
+### QRIS Static-to-Dynamic (Indonesia Alternative)
+
+For Indonesian developers without an official Payment Gateway account, you can create a "Dynamic" QRIS experience using a single Static QRIS combined with unique payment amounts and a bank mutation checking service (e.g., Moota, Cekmutasi) via webhook.
+
+#### 1. Generate Unique Amount (Server-Side)
+```typescript
+// Add a unique 3-digit code to the base price
+export async function createQrisTransaction(userId: string, basePrice: number) {
+  // Generate a random code between 1 and 999
+  const uniqueCode = Math.floor(Math.random() * 999) + 1;
+  const totalAmount = basePrice + uniqueCode;
+  
+  const transaction = await db.transaction.create({
+    data: {
+      userId, basePrice, uniqueCode, totalAmount,
+      status: 'pending', provider: 'qris_static',
+      expiresAt: new Date(Date.now() + 15 * 60 * 1000) // 15 mins expiry
+    }
+  });
+  
+  return {
+    transactionId: transaction.id,
+    totalAmount,
+    qrisUrl: "https://myapp.com/static-qris.png" // User must manually input totalAmount
+  };
+}
+```
+
+#### 2. Mutation Webhook Handler & Real-Time Notification
+```typescript
+// app/api/webhooks/mutation/route.ts
+import { db } from '@/lib/db';
+import { pusherServer } from '@/lib/pusher';
+
+export async function POST(req: Request) {
+  const signature = req.headers.get("signature");
+  // TODO: Verify signature from mutation service (e.g., Moota)
+  
+  const mutations = await req.json();
+  
+  for (const mutation of mutations) {
+    if (mutation.type === 'CR' && mutation.amount > 0) {
+      // Find pending transaction matching the exact unique amount
+      const tx = await db.transaction.findFirst({
+        where: {
+          totalAmount: mutation.amount,
+          status: 'pending',
+          provider: 'qris_static',
+          expiresAt: { gt: new Date() }
+        }
+      });
+      
+      if (tx) {
+        // Mark as paid and activate subscription
+        await db.transaction.update({ where: { id: tx.id }, data: { status: 'paid' } });
+        await db.subscription.create({
+          data: { userId: tx.userId, provider: 'qris_static', status: 'active' }
+        });
+        
+        // Trigger real-time notification to frontend
+        await pusherServer.trigger(`payment-${tx.id}`, 'payment-success', { success: true });
+      }
+    }
+  }
+  
+  return new Response("OK", { status: 200 });
+}
+```
+
+### Database Schema for Multi-Provider Billing
+```typescript
+// Drizzle ORM — supports Stripe, Polar, LemonSqueezy, PayPal, QRIS Static
+export const subscriptions = pgTable('subscriptions', {
+  id: text('id').primaryKey(),
+  workspaceId: text('workspace_id').references(() => workspaces.id).notNull(),
+  provider: text('provider').$type<'stripe' | 'polar' | 'lemonsqueezy' | 'paypal' | 'qris_static'>().notNull(),
+  externalCustomerId: text('external_customer_id').notNull(),
+  externalSubId: text('external_sub_id').notNull().unique(),
+  status: text('status').$type<'active' | 'trialing' | 'past_due' | 'canceled' | 'paused'>().notNull(),
+  plan: text('plan').$type<'free' | 'pro' | 'enterprise'>().default('free').notNull(),
+  currentPeriodEnd: timestamp('current_period_end'),
+  cancelAtPeriodEnd: boolean('cancel_at_period_end').default(false),
+  createdAt: timestamp('created_at').defaultNow().notNull(),
+  updatedAt: timestamp('updated_at').defaultNow().notNull(),
+});
+```
+
+### Billing Security Checklist
+- [ ] Webhook signature verified on every request — reject without valid signature.
+- [ ] Webhook idempotency implemented — never process the same event twice.
+- [ ] Session Management Optimization: Secure the billing portal route with strict session validation and CSRF protection. Do not cache session-dependent billing states.
+- [ ] Use Stripe CLI / Polar.sh test webhooks for local development.
+- [ ] All billing API calls use server-side code only — never expose secret keys to frontend.
+- [ ] Plan limits enforced on every protected route (not just at checkout).
+- [ ] Failed payment dunning flow configured (email sequence, grace period).
+- [ ] Customer portal link available from within the app.
+
+---
+
+<a name="bahasa-indonesia"></a>
+## Bahasa Indonesia
+
+### Integrasi Orkestrasi
+Terhubung dan mengorkestrasi skill domain yang relevan seperti `brainstorming`, `zero-to-prod-orchestrator`, dan `project-context-mapper` untuk memastikan eksekusi yang kohesif.
+
+### Deskripsi
+Panduan ahli untuk mengimplementasikan dan mengaudit sistem billing SaaS. Mencakup state machine langganan, penanganan webhook aman, sinkronisasi database, dan lanskap billing 2026 termasuk Stripe, **Polar.sh** (open-source, developer-first), **LemonSqueezy**, PayPal, dan Midtrans (untuk Asia Tenggara).
+
+### Kondisi Pemicu
+- Mengintegrasikan payment gateway (Stripe, Polar.sh, LemonSqueezy, Midtrans, PayPal) ke aplikasi SaaS.
+- Menggunakan alternatif QRIS Statis menjadi Dinamis (dengan nominal unik dan webhook mutasi) untuk developer lokal tanpa akun PG.
+- Mengimplementasikan state machine langganan.
+- Membangun webhook handler aman dengan verifikasi tanda tangan dan idempotency.
+- Menyinkronkan status langganan eksternal ke database lokal.
+- Mengimplementasikan billing berbasis penggunaan (metered pricing).
+- Membangun portal billing pelanggan.
+- Mengaudit sistem billing yang ada untuk celah keamanan.
+
+### Lanskap Provider Billing 2026
+
+| Provider | Terbaik Untuk | Open Source | Merchant of Record |
+|---|---|---|---|
+| **Stripe** | Enterprise, global, billing kompleks | ❌ | ❌ |
+| **Polar.sh** | Developer-first, produk open-source | ✅ | ✅ (opsional) |
+| **LemonSqueezy** | Indie hackers, harga sederhana | ❌ | ✅ |
+| **Paddle** | B2B SaaS, kepatuhan PPN EU | ❌ | ✅ |
+| **Midtrans** | Asia Tenggara / Indonesia | ❌ | ❌ |
+| **PayPal** | Global, kepercayaan konsumen (consumer trust) | ❌ | ❌ |
+
+> **Merchant of Record (MoR)**: Provider menangani kepatuhan pajak (PPN, GST), chargeback, dan tanggung jawab hukum — ideal untuk tim kecil tanpa departemen keuangan.
+
+### Polar.sh — Billing Developer-First
+Polar.sh adalah alternatif open-source modern untuk Gumroad/LemonSqueezy, dirancang khusus untuk developer dan proyek open-source. Mendukung checkout, webhook, dan manajemen langganan dengan SDK TypeScript yang bersih.
+
+### PayPal — Integrasi Checkout
+PayPal sering digunakan sebagai gateway alternatif atau utama karena tingginya kepercayaan konsumen global.
+- **Server-Side Checkout**: Gunakan `create-order` dan `capture-order` di backend (menggunakan `@paypal/checkout-server-sdk`) untuk memastikan keamanan dan mencegah manipulasi harga di sisi klien.
+- **Webhook**: Verifikasi webhook dari PayPal untuk langganan yang diperbarui atau dibatalkan.
+
+### Stripe — Pola Produksi
+
+#### State Machine Langganan
+Kelola transisi status: `FREE → TRIALING → ACTIVE → PAST_DUE → CANCELED → (reaktivasi)`.
+
+#### Webhook Handler Idempoten
+Selalu verifikasi tanda tangan webhook, tandai event sebagai diproses di database untuk mencegah duplikasi.
+
+#### Billing Berbasis Penggunaan (Metered)
+Laporkan penggunaan API dengan `stripe.subscriptionItems.createUsageRecord()` di akhir periode billing.
+
+### Alternatif Lokal: QRIS Statis Rasa Dinamis (Tanpa Akun Payment Gateway)
+Bagi pengguna/developer di Indonesia yang belum memiliki Payment Gateway (seperti Midtrans), Anda dapat membuat pengalaman QRIS "Dinamis" menggunakan satu gambar QRIS statis biasa.
+- **Generate Nominal Unik (Endpoint)**: Tambahkan angka unik (misalnya 3 digit acak) ke harga dasar (contoh: Rp 100.000 menjadi Rp 100.123). Simpan ke database sebagai transaksi `pending` dengan batas waktu kadaluarsa (misal 15 menit). Tampilkan gambar QRIS beserta instruksi transfer sesuai nominal unik.
+- **Webhook Mutasi Bank**: Gunakan layanan pihak ketiga (seperti Moota, Cekmutasi) yang mengirimkan notifikasi webhook (ke `/api/webhooks/mutation`) setiap kali ada uang masuk.
+- **Validasi Otomatis**: Saat webhook menerima payload mutasi kredit (`CR`), sistem mencari transaksi `pending` yang jumlahnya sama persis (`totalAmount`). Jika cocok, sistem menandai tagihan sebagai lunas (`paid`) dan mengaktifkan langganan.
+- **Notifikasi Klien**: Gunakan WebSocket (seperti Pusher atau Socket.io) di backend untuk melakukan *trigger event* "pembayaran berhasil". Di frontend, *listen* ke event tersebut dan tampilkan notifikasi *real-time* kepada pengguna secara instan tanpa perlu me-refresh halaman.
+
+### Skema Database Multi-Provider
+Rancang tabel `subscriptions` yang mendukung beberapa provider (`stripe`, `polar`, `lemonsqueezy`, `paypal`, `qris_static`) dengan kolom `provider` dan ID eksternal yang terpisah.
+
+### Checklist Keamanan Billing
+- [ ] Tanda tangan webhook diverifikasi pada setiap permintaan.
+- [ ] Idempotency webhook diimplementasikan.
+- [ ] Optimasi Session Management: Amankan rute portal billing dengan validasi sesi yang ketat dan perlindungan CSRF. Jangan gunakan cache untuk state billing yang bergantung pada sesi pengguna.
+- [ ] Semua panggilan API billing menggunakan kode sisi server saja.
+- [ ] Batas plan diterapkan pada setiap rute yang dilindungi.
+- [ ] Alur dunning pembayaran gagal dikonfigurasi.
+- [ ] Tautan portal pelanggan tersedia dari dalam aplikasi.