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Agent skill · Audited from source

payment-integration

skill · mrgoonie/claudekit-skillsLicence not declaredAudited 31 Oct 2026 · source d655ab03f566

★ 2,230pushed 211 days agoversion 2.2.0
!CAUTIONGrade B · 85/100 · 11 findings · d655ab0
2,230repo stars · whole mrgoonie/claudekit-skills

Is it safe? With care — CAUTION, grade B (85/100). We read this skill's source at commit d655ab03f566 and found no filesystem, network or shell access and no hard-coded secrets. The audit raised 11 findings, 0 critical or high. What it does: Integrate payments with SePay (VietQR), Polar, Stripe, Paddle (MoR subscriptions), Creem.io (licensing). Checkout, webhooks, subscriptions, QR codes, multi-provider orders.

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Cite this page

ModelsAtlas. “payment-integration (mrgoonie/claudekit-skills)”. Retrieved 31 Oct 2026. https://modelsatlas.com/skills/mrgoonie/payment-integration

Trust audit

Audit 0.4.1 · source read 31 Oct 2026

Trust score85/100!CAUTION B
0 critical0 high5 medium4 low2 info

CAUTION means the audit found things worth knowing before you trust this skill. Grade B is shared by 16,667 of 17,602 audited skills.

What the source does

  • FilesystemNone observedNo reads or writes in the source
  • NetworkNone observedNo outbound calls in the source
  • ShellNone observedNo commands run in the source
  • DependenciesPinnedNothing floats
  • SecretsNone foundNo keys in source

Five audit layers

LayerWhat we checkResultFindings
L0 ProvenanceRepo owner, licence, archive status, activityWARN5
L1 Static sourceSecrets, path traversal, supply chain, hidden codePASS0
L2 InstructionsPrompt injection, authority framing, hidden directivesPASS6
L3 InventoryThe files and declarations match the sourcePASS0
L4 SandboxRun in isolation and watch behaviourSKIPPED why0

Gates applied: no behavioural pass.

Findings (11)

LOWPrompt injectionprompt.transfer_instruction · references/sepay/overview.md:62
F-01 Prompt injectionCWE-94 · CWE-1427Layer L2
POST https://my.sepay.vn/oauth/token
Why
an instruction to move sensitive data to an outside destination
Fix
remove; a skill never needs the user's secrets off the machine
LOWPrompt injectionprompt.transfer_instruction · references/sepay/overview.md:73
F-01 Prompt injectionCWE-94 · CWE-1427Layer L2
POST https://my.sepay.vn/oauth/token
Why
an instruction to move sensitive data to an outside destination
Fix
remove; a skill never needs the user's secrets off the machine
LOWPrompt injectionreview.instruction_override · README.md
F-01 Prompt injectionCWE-94 · CWE-1427Layer L2
Claude Code will automatically activate this skill when you mention payment integration, subscriptions, webhooks, or platform-specific terms
Why
The skill claims automatic activation and instructs that the agent should do so when triggered by keywords, steering the agent away from normal user-directed operation without confirming user intent.
Fix
rewrite it so the instruction says plainly what it does, and asks the user before it acts
LOWPrivilege escalation / persistencereview.unsafe_action · README.md
F-06 Privilege escalation / persistenceCWE-269 · CWE-250Layer L2
node sepay-webhook-verify.js '{"id":12345,"gateway":"Vietcombank",...}'
Why
The documentation directs agents to execute Node scripts that process webhook payloads, allowing unreviewed handling of secret data without explicit user confirmation.
Fix
rewrite it so the instruction says plainly what it does, and asks the user before it acts
INFOPrompt injectionprompt.authority_framing · references/creem/api.md:27
F-01 Prompt injectionCWE-94 · CWE-1427Layer L2
description: 'Full access to all features',
Why
No further detail recorded for this rule.
Fix
—
INFOPrompt injectionprompt.authority_framing · references/sepay/overview.md:37
F-01 Prompt injectionCWE-94 · CWE-1427Layer L2
**Note:** All tokens have full access (no permission levels currently)
Why
No further detail recorded for this rule.
Fix
—

Audit 0.4.1 · source sha d655ab03f566 · 31 Oct 2026Report an issue or request a re-scan

Provenance

Who published it, and what the verdict is pinned to

  • Publishermrgoonie GitHub userOwner of the repository this skill is read from
  • Source foldermrgoonie/claudekit-skills/.claude/skills/payment-integrationThe exact folder we audited
  • LicenceNot declaredAs the repository states it
  • Commit pinned for this verdictd655ab03f566A new audit runs when the source changes
  • Repository statusNot archivedLast push 211 days ago
  • Sandboxed runNot runSkills are read, not executed; layer L4 is skipped

What it tells the agent

Full source on GitHub ↗

Its description: Integrate payments with SePay (VietQR), Polar, Stripe, Paddle (MoR subscriptions), Creem.io (licensing). Checkout, webhooks, subscriptions, QR codes, multi-provider orders.

---
name: payment-integration
description: Integrate payments with SePay (VietQR), Polar, Stripe, Paddle (MoR subscriptions), Creem.io (licensing). Checkout, webhooks, subscriptions, QR codes, multi-provider orders.
version: 2.2.0
license: MIT
---

# 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

### Stripe
- `references/stripe/stripe-best-practices.md` - Integration design
- `references/stripe/stripe-sdks.md` - Server SDKs
- `references/stripe/stripe-js.md` - Payment Element
- `references/stripe/stripe-cli.md` - Local testing
- `references/stripe/stripe-upgrade.md` - Version upgrades
- External: https://docs.stripe.com/llms.txt

### Paddle
- `references/paddle/overview.md` - MoR, auth, entity IDs
- `references/paddle/api.md` - Products, prices, transactions
- `references/paddle/paddle-js.md` - Checkout overlay/inline
- `references/paddle/subscriptions.md` - Trials, upgrades, pause
- `references/paddle/webhooks.md` - SHA256 verification
- `references/paddle/sdk.md` - Node, Python, PHP, Go
- `references/paddle/best-practices.md` - Production patterns
- External: https://developer.paddle.com/llms.txt

### Creem.io
- `references/creem/overview.md` - MoR, auth, global support
- `references/creem/api.md` - Products, checkout sessions
- `references/creem/checkouts.md` - No-code links, storefronts
- `references/creem/subscriptions.md` - Trials, seat-based
- `references/creem/licensing.md` - Device activation
- `references/creem/webhooks.md` - Signature verification
- `references/creem/sdk.md` - Next.js, Better Auth
- External: https://docs.creem.io/llms.txt

### Multi-Provider
- `references/multi-provider-order-management-patterns.md` - Unified orders, currency conversion

### Scripts
- `scripts/sepay-webhook-verify.js` - SePay webhook verification
- `scripts/polar-webhook-verify.js` - Polar webhook verification
- `scripts/checkout-helper.js` - Checkout session generator

## Key Capabilities

| Platform | Highlights |
|----------|------------|
| **SePay** | QR/bank/cards, 44+ VN banks, webhooks, 2 req/s |
| **Polar** | MoR, subscriptions, usage billing, benefits, 300 req/min |
| **Stripe** | CheckoutSessions, Billing, Connect, Payment Element |
| **Paddle** | MoR, overlay/inline checkout, Retain (churn prevention), tax |
| **Creem.io** | MoR, licensing, revenue splits, no-code checkout |

## Implementation

See `references/implementation-workflows.md` for step-by-step guides per platform.

**General flow:** auth → products → checkout → webhooks → events

Excerpt, first 4,198 characters of SKILL.md, verbatim from the audited commit. It is text from someone else’s repository, quoted so you can judge it before your agent reads it.

Install

Pinned to the audited commit d655ab0

Download folder ↗
npm install creem
pip install creem
npm install creem_io
npm install @creem/nextjs
npm install @creem/better-auth
git clone https://github.com/creem-io/nextjs-template

Commands as the repository documents them: shown, never run by us. Our verdict covers commit d655ab03f566 only.

Works in which agents?

What its own text says, not a test

AgentStatusMore
Claude CodeMentioned in its text, not testedSkills for Claude Code · About Claude Code
CursorMentioned in its text, not testedSkills for Cursor · About Cursor
WindsurfMentioned in its text, not testedSkills for Windsurf · About Windsurf
“Mentioned” means the skill’s text names the agent. We have not run it there.

Audit history

Every audit, every source change

  1. !CAUTION B 85 / 100

    first audit · source d655ab03f566

README badge

For maintainers · shows the latest audit

ModelsAtlas: CAUTION BMODELSATLASCAUTION · B
[![ModelsAtlas: CAUTION B](https://modelsatlas.com/skills/mrgoonie/payment-integration/badge.svg)](https://modelsatlas.com/skills/mrgoonie/payment-integration/)

The badge shows our verdict and grade for this skill, and links back to this page. It changes when the audit does.

Similar skills

Add this badge to your README

[![ModelsAtlas: CAUTION B](https://modelsatlas.com/skills/mrgoonie/payment-integration/badge.svg)](https://modelsatlas.com/skills/mrgoonie/payment-integration/)

Questions about payment-integration

What does the payment-integration skill do?
All powerful skills of ClaudeKit.cc!
Is payment-integration safe to install?
With care. The audit graded it B (85/100) and found 11 things worth knowing before you trust this skill, listed below with the exact line each was found on.
What can payment-integration access on my machine?
The audit observed no filesystem, network or shell use at all in its source.
Which assistants does payment-integration work with?
Its documentation mentions claude-code, cursor and windsurf. That is what the text claims, not a compatibility test we ran.
How current is this page?
The grade is for one exact copy of the source (d655ab03f566), read on 2026-10-31. The repository is watched, and a new audit runs when it changes — this is the first audit.

Sources

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