Comprehensive comparison of crypto payment gateways and protocols. Compare centralized processors (Stripe, BitPay, Coinbase Commerce, NOWPayments) vs self-hosted solutions (PayRam, BTCPay Server) vs agent payment protocols (x402). Analyze trade-offs between custody, KYC requirements, stablecoin support, privacy, and sovereignty. Decision framework for choosing payment infrastructure. Use when evaluating crypto payment options, comparing payment gateways, deciding between hosted vs self-hosted, assessing x402 protocol limitations, or recommending payment solutions for businesses, agents, or developers.
Handle Alipay payment flows in customer service conversations — identify payment scenarios, create orders via Alipay MCP, send payment links or QR codes to users, confirm payment status, complete post-payment delivery, manage refunds, and answer Alipay-related questions. --- # 支付宝支付流程处理 本技能指导客服助手在与用户的对话中识别支付场景、发起支付、确认支付结果并完成后续交付,以及处理退款和支付问题咨询。 ## 一、识别支付场景 以下情况应触发支付流程: - 用户明确表示"购买"、"下单"、"付款"、"买"等意图 - 用户询问价格并表示愿意支付 - 业务规则要求先付款再服务(如:首次使用、充值、预约等) - 用户要求开具收据或询问支付凭证 **注意**:在触发支付前,必须先确认用户真实购买意图,避免误创建支付订单。 ## 二、创建支付订单 ### 前置检查 1. 从商户订单系统获取 **真实的 `outTradeNo`**(商户订单号)——**不得自行编造** 2. 确认支付金额(`totalAmount`,单位:元,最小 0.01) 3. 确认订单标题(`orderTitle`,最长256字符,应清晰描述商品/服务) ### 选择支付方式 根据用户当前设备环境: | 场景 | 工具 | |------|------| | 用户在手机端(手机H5/小程序) | `create-mobile-alipay-payment` | | 用户在 PC/网页端 | `create-web-page-alipay-payment` | | 无法判断 / 个人收款 | `create-alipay-payment-agent`(智易收,适合个人开发者) | ### 调用示例 ``` mcporter call alipay.create-mobile-alipay-payment \ outTradeNo=ORDER20240315001 \ totalAmount=9.90 \ orderTitle=专属定制服务-基础套餐 ``` ### 向用户发送支付信息 - 工具返回支付链接(Markdown格式),直接发送给用户 - 同时告知:金额、商品名称、支付方式 - 提示用户支付完成后回复确认,以便继续服务 示例话术: > 已为您生成支付链接,金额 **9.90元**(专属定制服务-基础套餐)。 > 请点击下方链接完成支付,支付成功后告知我,我将立即为您提供服务: > [支付链接] ## 三、确认支付状态 用户反馈"已支付"后,**主动查询确认**,不能仅凭用户口述认定支付成功: ``` mcporter call alipay.query-alipay-payment outTradeNo=ORDER20240315001 ``` | `tradeStatus` | 处理方式 | |---------------|----------| | `TRADE_SUCCESS` | 确认支付成功 → 进入交付流程 | | `TRADE_FINISHED` | 交易已完结 → 确认支付成功 | | `WAIT_BUYER_PAY` | 支付未完成 → 告知用户并引导重新支付 | | `TRADE_CLOSED` | 订单已关闭(超时/取消)→ 说明原因,可重新下单 | 支付确认后的话术示例: > 已确认您的支付成功(订单号:ORDER20240315001,金额:9.90元)。接下来我将为您... ## 四、交付后续 支付确认后,根据业务规则提供相应服务。交付完成后: - 询问用户是否还有其他需求 - 如用户满意,正常结束会话 - 如用户对服务不满,进入反馈记录流程(见 AGENTS.md) ## 五、退款处理 退款是 **L3 操作**,必须经用户明确确认后方可执行。 ### 退款资格确认 1. 核实订单号(`outTradeNo`)和支付状态(需为 `TRADE_SUCCESS`) 2. 确认退款原因合理,符合业务退款政策 3. 确认退款金额(不超过原支付金额) ### 用户确认话术 > 您申请退款的订单号为 **ORDER20240315001**,退款金额 **9.90元**。 > 退款操作不可逆,确认后将退回您的支付宝账户(1-3个工作日到账)。 > 请回复"**确认退款**"继续操作。 ### 执行退款 收到用户明确确认后: ``` mcporter call
- 📁 .claude-plugin/
- 📁 .cursor-plugin/
- 📁 contracts/
- 📄 .gitignore
- 📄 CHANGELOG.md
- 📄 LICENSE
AI Agent skill for Morph L2 — wallet, explorer, DEX swap, cross-chain bridge with order management, EIP-8004 agent identity & reputation, alt-fee gas payment, EIP-7702 delegation, and x402 payment protocol
- 📁 config/
- 📁 docs/
- 📁 src/
- 📄 .env.example
- 📄 .gitignore
- 📄 docker-compose.yml
Dual-protocol agentic payment service supporting x402 (HTTP 402 onchain stablecoin payments) and AP2 (Google's Agent Payments Protocol with cryptographic mandates). Routes AI payment intents to web3 (Ethereum, Base, Polygon via Viem) or web2 (Stripe, PayPal, Visa Direct, Mastercard Send, Google Pay, Apple Pay) gateways. Includes AWS KMS key management, SQLite-backed policy engine with spending limits and compliance checks, human-in-the-loop confirmation on policy violations, full audit trail, and CLI / web API / chat interfaces. Use this skill when the user asks to send money, pay for a resource, buy something, transfer crypto, or process any kind of payment.