Payment Router Decision Maker
Paste the following prompt into your AI chat to install this skill:
Install @user_8509461a/payment-router by following https://skillhub.cn/install/skillhub.md.
About this skill
The Problem
Payment channel selection often gets stuck on concrete questions: in mini programs, mobile apps, offline stores, live commerce, or game top-ups, which of Alipay, WeChat Pay, or Douyin Pay should be the primary payment method, and which should remain a fallback? How do user segments shape payment habits and conversion? How should fees, review cycles, SDK quality, documentation, and entity requirements be balanced? This skill turns those scattered commercial, product, and engineering judgments into a comparable decision framework.
How It Works
- Scenario matrix: Covers e-commerce shopping, offline stores, mini programs, apps, live-commerce, game top-ups, education, and local services, with a ranked recommendation for each case.
- User profiles: Explains recommendations for young users, lower-tier markets, tier-1/tier-2 cities, Gen Z, and short-video users based on usage habits.
- Integration cost: Compares qualification requirements, technical difficulty, documentation quality, SDK quality, and review time to help engineering teams prioritize.
- Fee optimization: Maps strategies such as high-value transactions, small frequent transactions, campaign periods, and cross-border use to channel preferences, with standard, discounted, and industry-specific rate references.
- Combination patterns: Recommends full-channel, dual-channel, and single-channel rollout plans for different business scales.
Boundaries
- It currently covers
Alipay,WeChat Pay, andDouyin Payonly, and does not handle UnionPay contract payment. - Rates and review timelines vary by industry, entity, and platform policy; official merchant documentation should still be confirmed before integration.
- The skill provides selection guidance, not payment processing, settlement, or risk control.
Use Cases
- When planning mini-program payments, choose WeChat Pay as primary and compare Alipay/Douyin fallback conversion.
- When assessing app integration cost, compare Alipay, WeChat Pay, and Douyin Pay SDKs, review cycles, and qualifications.
- When defining live-commerce payment strategy, decide whether Douyin Pay should be primary based on subsidies and closed-loop experience.
- Before fee negotiations, compile standard rates, discount conditions, and industry-specific rates for large or cross-border transactions.
Best For
- Backend engineers responsible for payment onboarding who need to compare Alipay, WeChat Pay, and Douyin Pay SDKs and review cycles.
- Product managers planning mini-program or app payment flows who need reasons for primary and fallback channels.
- Commercial or finance staff evaluating payment costs who need standard rates, discount conditions, and industry differences.
- Operations teams launching offline stores or live commerce who need to match QR codes, merchant tools, and marketing subsidies.
Related Skills
A bot hiring marketplace for AI agents with job postings, applications, task completion, and $WAGE rewards.
A pre-visit customer portrait tool for Tencent Cloud sales, producing ten-step analysis, scoring, and pitch scripts.
Fetch weekly or monthly corporate sentiment data, then analyze tone, trends, and risks.
A coaching workflow for one-person businesses, side projects, and freelancers covering resource audits, niche validation, business modeling, and ongoing operations.