Cb Payment Gateway Evaluator

SKILL.md

---
skill: cb-payment-gateway-evaluator
name: Cross-border Payment Gateway Evaluator
type: descriptive
version: "1.1.0"
description: Payment method selection and gateway evaluation for international markets
author: Golden Bean (OpenClaw)
created: 2026-04-22
category: payments
language: en
tags: payment-gateway, international-payments, payment-optimization, fintech-selection, cross-border-commerce
outputs: json
requires_api: false
safety_boundary: Descriptive cross-border e-commerce planning only. No code execution, API calls, network requests, bookings, or real-time data. Does not provide professional advice. Verify information with official sources and qualified professionals.
---

# Cross-border Payment Gateway Evaluator

## Overview

Cross-border Payment Gateway Evaluator (Payment method selection and gateway evaluation for international markets). This skill provides a structured framework for evaluating and selecting payment gateways for cross-border e-commerce operations. It covers payment method preferences by market, gateway feature comparison, cost analysis, and fraud risk assessment.

The framework helps businesses choose the right payment infrastructure for their target markets, considering local payment preferences, regulatory requirements, and operational costs.

## Trigger Keywords

- "payment gateway evaluation"
- "cross-border payment methods"
- "international payment gateway"
- "multi-currency payment processing"
- "payment method localization"
- "global payment infrastructure"

## Workflow

1. **Input Analysis**: Parse user input to extract target markets, transaction volumes, and business requirements
2. **Payment Analysis**: Generate market-specific payment method analysis
3. **Gateway Evaluation**: Compare gateway features, costs, and capabilities
4. **Fraud Assessment**: Evaluate fraud risks and mitigation strategies
5. **Output Delivery**: Return comprehensive JSON with analysis and recommendations

## Output Modules

### Payment Method Analysis
- Local payment method preferences by market
- Credit card penetration and alternative payment adoption
- Digital wallet and mobile payment trends
- Buy-now-pay-later and installment options
- Bank transfer and direct debit availability

### Gateway Evaluation Framework
- Gateway feature comparison across providers
- Integration complexity and technical requirements
- Transaction fee structures and hidden costs
- Currency support and conversion fees
- Settlement timelines and payout options

### Fraud Risk Assessment
- Fraud rate benchmarks by market and industry
- Chargeback prevention and management
- 3D Secure and authentication requirements
- Address verification and CVV requirements
- Machine learning fraud detection options

### Compliance & Security
- PCI DSS compliance requirements
- Data localization and privacy regulations
- Anti-money laundering considerations
- Know-your-customer requirements
- Cross-border data transfer rules

## Safety & Limitations

### Safety Boundaries
- **No Professional Advice**: Provides informational frameworks only. Does not replace financial or legal professionals.
- **No Real-Time Data**: Based on general frameworks, not current gateway pricing or features.
- **No Transactions**: No payment processing or gateway integration capabilities.
- **No Code Execution**: Pure descriptive implementation. No shell commands or network requests.
- **Descriptive Only**: Provides planning frameworks and guidance only.

### Limitations
- Gateway features and pricing change frequently
- Payment method preferences vary significantly by market
- Regulatory requirements for payments are evolving
- Integration complexity varies by platform
- Fraud patterns change over time

## Example Prompts

### Level 1: Basic Inquiry
"What payment gateways work best for international e-commerce?"

### Level 2: Specific Scenario
"Payment gateway evaluation for European market expansion"

### Level 3: Complex Planning
"Multi-market payment strategy for US, EU, and Asia with subscription billing"

### Level 4: Detailed Case
"US e-commerce platform expanding to Germany, France, and Japan with k monthly transaction volume"

## Usage Scenarios

### Scenario 1

**User input:** "Compare payment gateway options for selling into Brazil, Mexico, and Colombia."

**Expected output:** Comparison matrix of gateways (Stripe, dLocal, EBANX, Mercado Pago) scored on local method coverage (Boleto, OXXO, PSE), settlement currency, FX markup, refund handling, and integration complexity.

### Scenario 2

**User input:** "We accept only credit cards. What payment methods must we add for India?"

**Expected output:** India payment landscape analysis — UPI (must-have), NetBanking, wallets (Paytm, PhonePe), EMI options — with implementation priority and estimated checkout conversion uplift per method.

### Scenario 3

**User input:** "Evaluate whether to use a single global gateway or multiple local gateways for 15 markets."

**Expected output:** Decision framework comparing Stripe global vs. local mix on fees, reconciliation complexity, local acquiring benefits (approval rates), and engineering maintenance cost over 3 years.
### Scenario 4: 我的Shopify独立站怎么收人民币
**User input:** "我在Shopify上开店卖女装的，想收中国顾客的人民币，同时也想收海外的美元，推荐用什么支付？"
**Expected output:** 推荐跨境支付方案：1）国内消费者收人民币——接入支付宝+微信支付（通过LianLian Global/Ping++等聚合支付）；2）海外消费者收美元——Shopify Payments（Stripe）覆盖主流信用卡+Apple Pay；3）本地化支付——东南亚市场需要GrabPay/OVO等本地钱包支付选项。手续费对比：Stripe约2.9%+$0.30，PayPal约4.4%+固定费用，支付宝/微信约2.5-3%。建议用Airwallex开多币种账户减少汇损。

## Acceptance Criteria

### Functional Requirements
- Returns valid JSON structure from handle() function
- Includes input_analysis field with parsed input information
- Contains proper disclaimer with safety boundaries
- Provides payment-specific analysis and gateway evaluation
- Differentiated from other cross-border e-commerce skills

### Quality Requirements
- Clear and structured output
- Comprehensive framework coverage
- Actionable implementation guidance
- Proper safety boundaries enforced
- Input differentiation verified through tests

## Integration

### Complementary Skills
- Works with cb-multi-currency-pricing for pricing strategy integration
- Integrates with cb-compliance-framework for regulatory considerations
- Supports cb-market-entry-strategist for market-specific payment planning

### Input/Output Flow
- Accepts natural language input via handle() function
- Returns structured JSON for system integration
- Can be chained with related skills for multi-faceted analysis

## Version History

### v1.0.0 (2026-04-22)
- Initial release
- Payment method analysis by market
- Gateway evaluation framework
- Fraud risk assessment
- Compliance and security considerations
- Input parsing and parameter extraction
- JSON output with input_analysis and disclaimer
- Safety boundaries and limitations documentation
- Test coverage with 5 tests per skill

## Technical Details

### Handler Interface


### Dependencies
- None (pure Python standard library only)

### File Structure
- handler.py: Main handler implementation
- tests/test_handler.py: Unit tests (5 tests)
- SKILL.md: This documentation file
- skill.json: Skill metadata and configuration
- ACCEPTANCE.md: Acceptance criteria documentation
- .claw/identity.json: Identity and authorship information

### Test Coverage
- JSON output validation test
- Disclaimer presence and content test
- Input differentiation test
- Payments-specific functionality test
- Differentiation evidence test