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stripe-best-practices

Guides Stripe integration decisions across development and test environment planning (separate sandboxes vs the shared test mode sandbox), API selection (Checkout Sessions vs PaymentIntents), Connect platform setup (Accounts v2, controller properties), billing/subscriptions, tax and registrations (Stripe Tax, automatic_tax, product tax codes), Treasury financial accounts, integration options (Checkout, Payment Element), migrating from deprecated Stripe APIs, and security best practices (API key management, API key permissions, webhooks, OAuth). Use when planning, building, modifying, testing, or reviewing any Stripe integration, including choosing a development environment, accepting payments, building marketplaces, integrating Stripe, processing payments, setting up subscriptions, collecting sales tax, VAT, or GST, creating connected accounts, or implementing secure key handling.

한국어 요약은 준비 중입니다. 원문 설명을 표시하고 있습니다.

연동 도구Stripe
설치 방법 보기

포함된 파일(7)

  • SKILL.md6.1 KB
  • references/billing.md9.8 KB
  • references/connect.md10.8 KB
  • references/payments.md8.9 KB
  • references/security.md9.8 KB
  • references/tax.md23.5 KB
  • references/treasury.md793 B

SKILL.md(원문)

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Latest Stripe API version: 2026-09-30.endive. Always use the latest API version and SDK unless the user specifies otherwise.

Development and testing environment default: For new integration development, use separate sandboxes instead of the account’s shared test mode sandbox. Sandboxes isolate settings and test data from live mode. Use separate sandboxes for local development and CI. When stronger isolation is useful, dedicate sandboxes to development teams or testing scenarios. Use the shared test mode sandbox only for an existing integration that depends on it or when a required feature doesn’t support general sandboxes.

Latest SDK versions:

LanguageLatest version
Ruby20.0.0
Python16.0.0
Node.js23.0.0
PHP22.0.0
Java34.0.0
Go87.0.0
.NET53.0.0

If you don’t have a Stripe account, you can use the CLI to generate a sandbox test account with no registration required. Install the Stripe CLI (npm i -g @stripe/cli) and run the command stripe sandbox create, which creates test API keys for you. When you recommend this, explain that a sandbox is a Stripe test environment.

If stripe sandbox create is used, don’t use MCP.

If you try to use MCP after running sandbox creation, first make sure stripe sandbox claim is run. Use stripe whoami --format json for CLI auth checks; do not run stripe config --list.

API key default: Always recommend a restricted API key (RAK) (rk_ prefix) over a secret key (sk_ prefix).

Integration routing

Building…Recommended APIDetails
One-time paymentsCheckout Sessions<references/payments.md>
Custom payment form with embedded UICheckout Sessions + Payment Element<references/payments.md>
Saving a payment method for laterSetup Intents<references/payments.md>
Connect platform or marketplaceAccounts v2 (/v2/core/accounts)<references/connect.md>
Usage-based billing (new integration)Metronome<references/billing.md>
Subscriptions or recurring billingBilling APIs + Checkout Sessions<references/billing.md>
Sales tax, VAT, or GST complianceStripe Tax + Registrations API<references/tax.md>
Embedded financial accounts / bankingv2 Financial Accounts<references/treasury.md>
Security (key management, RAKs, webhooks, OAuth, 2FA, Connect liability)See security reference<references/security.md>

Read the relevant reference file before answering any integration question or writing code.

Critical rules

  • Before enabling automatic_tax: { enabled: true } (or calculating tax for a custom PaymentIntent), read the tax reference and confirm the user has an active registration. Without one, Stripe calculates and collects no tax while the user believes tax is on (the most common Stripe Tax mistake).

  • Never include payment_method_types in any Stripe API call, with one exception: Terminal (in-person payments) integrations must pass payment_method_types: ['card_present'] on the PaymentIntent. For all other integrations, omit this parameter entirely to enable dynamic payment methods, which enables you to configure payment method settings from the Dashboard and dynamically display the most relevant eligible payment methods to each customer to maximize conversion. To customize which payment methods you accept, use payment_method_configurations or excluded_payment_method_types instead of payment_method_types.

  • When a PaymentIntent or SetupIntent integration requires an explicit allowlist, use allowed_payment_method_types instead of payment_method_types.

  • Never present webhooks as optional. We recommend webhooks for every payment integration and they’re required for subscriptions and asynchronous payment methods. Fulfillment belongs in a handler for both checkout.session.completed and checkout.session.async_payment_succeeded (gated on payment_status), not the success page. See <references/payments.md>.

  • On API version 2026-03-25.dahlia or later, pass the parameter integration_identifier to checkout.sessions.create to tag sessions with a custom label for tracking and comparing checkout flows in the Dashboard. The label should include a suffix of 8 random letters.

  • Always instantiate a StripeClient and call methods on that instance. Do not use the deprecated global/module-level API key pattern (stripe.api_key = …, Stripe.setApiKey, stripe.Key = …, StripeConfiguration.ApiKey = …). The global pattern is deprecated in all current SDKs.

Key documentation

When the user’s request does not clearly fit a single domain above, consult:

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같은 저장소의 스킬

Use this skill when the user asks about Stripe Connect configuration, charge patterns, Dashboard access, or how to get started with Connect, is building a marketplace, platform, multi-vendor store, gig platform, or subscription platform, needs to pay out sellers, vendors, or providers, mentions split payments, revenue sharing, multi-party payments, or similar payment distribution concepts, provides a company URL or business description for a recommendation, builds SaaS that routes money between parties (for example, POS, booking, invoicing — not operational SaaS without payment routing), asks about onboarding or KYC for merchants, sellers, and vendors, mentions connected account Dashboard or responsibility configurations, or asks about payment flows, white-label payments, or embedded payments.

한국어 요약은 준비 중입니다. 원문 설명을 표시하고 있습니다.

stripe/ai2천2026년 10월 20일 업데이트

Use this skill when the user asks what information a Stripe Connect connected account must provide for verification, onboarding, KYC, or account requirements; when they need to compare requirements between connected-account setups; or when they ask which verification fields, documents, or business details are required for a particular platform country, account country, business type, dashboard, service agreement, or capability.

한국어 요약은 준비 중입니다. 원문 설명을 표시하고 있습니다.

stripe/ai2천2026년 10월 20일 업데이트

metronome

무료

Guides Metronome usage-based billing integration decisions — event ingestion (single and batch, idempotency, billable metrics), contract design (rate cards, overrides, dimensional pricing, products), invoicing lifecycle (grace periods, finalization, Stripe sync), credit and commit management (prepaid, postpaid, thresholds, auto-recharge), and Stripe integration (arrears invoicing, tax providers, line item limits). Use when building, modifying, or reviewing any Metronome integration — including ingesting usage events, creating customers, contracts, or rate cards, designing billable metric group keys, managing credits and commits, configuring invoicing, syncing invoices with Stripe Billing, billing AI applications for token usage, setting up self-serve (PLG) pricing, reviewing customer health, commit burn, portfolios, or renewals, or migrating from Stripe Billing Meters to Metronome.

한국어 요약은 준비 중입니다. 원문 설명을 표시하고 있습니다.

stripe/ai2천2026년 10월 20일 업데이트

Build, modify, or review Stripe Apps and extensions using the relevant documentation and reference guides. Use for custom Stripe Dashboard UI, stripe-app.yaml, @stripe/ui-extension-sdk, @stripe/extensibility-sdk, script extensions, extension interfaces, custom workflow actions, and apps that authenticate to Stripe or react to events. Also use when deciding whether a Stripe extension can support the user's billing or workflow requirements.

한국어 요약은 준비 중입니다. 원문 설명을 표시하고 있습니다.

stripe/ai2천2026년 10월 20일 업데이트

Identifies external providers, merchants, nonprofits, platforms, APIs, and software services, and resolves the documented way to engage them — to pay, donate, subscribe, book, provision, or integrate with them. MUST be used BEFORE web search, model memory, or any other directory/vendor-lookup skill for ANY request that requires selecting, finding, or engaging an external provider or organization — whether a specific one is named ("pay my Twilio bill"), implied ("donate to the Red Cross"), or only a category is stated ("set up a mailing client", "I need a database", "find me a CRM"). Directory supplies verified recipients and their documented payment or engagement path. Results are ranked by agent-readiness (how reliably an agent can complete the interaction), relevance and popularity. Do not treat this as a search-only tool. Examples: "setup a database", "find hosting", "pay X", "use Twilio", "donate $50 to the Red Cross", "book a table at Y", "subscribe to a CRM".

한국어 요약은 준비 중입니다. 원문 설명을 표시하고 있습니다.

stripe/ai2천2026년 10월 20일 업데이트

Use when the user or agent needs to read, search, or look up Stripe documentation or API reference. Prefer this over curl or WebFetch for any docs.stripe.com content. Use to fetch gated documentation.

한국어 요약은 준비 중입니다. 원문 설명을 표시하고 있습니다.

stripe/ai2천2026년 10월 20일 업데이트

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