Stripe MPP x M39 Commerce x Chat SDK

TRACK 1: Israeli Commerce (ILS) TRACK 2: Agent Economy (USD) Required for legal compliance Optional / future opportunity Customer (IL) Your Agent (outbound) | | v v PayPlus / Grow Stripe MPP / x402 | ILS transaction | USD/USDC v v GreenInvoice Stripe Dashboard | Tax invoice + SHAAM allocation | Auto-settled v v Order Service Prodigi / APIs / MCP tools | | v v Prodigi fulfillment Resources acquired KEY INSIGHT: These are SEPARATE payment rails. The PaymentProvider protocol must abstract BOTH. M39 #613 = Track 1. Stripe MPP = Track 2. Track 1 is legally required. Track 2 is strategic.

class PaymentProvider(Protocol): """Abstract payment provider — same pattern as voice-core providers.""" async def create_payment_link( self, amount_cents: int, currency: str, # "ILS" | "USD" order_id: str, customer_email: str | None, description: str, redirect_url: str | None, ) -> PaymentLinkResult: ... async def create_payment_intent( self, amount_cents: int, currency: str, metadata: dict, ) -> PaymentIntentResult: ... async def verify_webhook( self, payload: bytes, signature: str, ) -> WebhookEvent: ... async def refund( self, transaction_id: str, amount_cents: int | None, # None = full refund ) -> RefundResult: ... # ─── Implementations ─── class PayPlusProvider(PaymentProvider): # ILS, Israeli cards class GrowProvider(PaymentProvider): # ILS, Israeli cards (existing) class StripeProvider(PaymentProvider): # USD, international cards class StripeMPPProvider(PaymentProvider): # USD/USDC, agent-to-agent (FUTURE) # ─── Registry (extends existing CommerceProduct) ─── "couplesnap": CommerceProduct( payment_provider="grow", # resolves to GrowProvider currency="ILS", ) "international-product": CommerceProduct( payment_provider="stripe", # resolves to StripeProvider currency="USD", )

class InvoiceProvider(Protocol): """Israeli tax invoice generation with SHAAM allocation.""" async def create_invoice( self, customer_name: str, customer_id_number: str | None, # Israeli ID / company number items: list[InvoiceItem], currency: str, vat_rate: float = 0.18, # 18% as of Jan 2025 payment_method: str | None, # "credit_card", "bank_transfer" ) -> InvoiceResult: ... # includes SHAAM allocation_number async def send_invoice( self, invoice_id: str, email: str | None, whatsapp: str | None, # send PDF via WhatsApp! ) -> bool: ... # ─── Implementations ─── class GreenInvoiceProvider(InvoiceProvider): # Recommended class ICountProvider(InvoiceProvider): # Alternative class NoOpInvoiceProvider(InvoiceProvider): # For non-IL transactions # ─── Trigger: payment.completed webhook ─── @observe(name="post_payment_invoice") async def on_payment_completed(event: WebhookEvent): order = await order_service.get(event.order_id) invoice_provider = resolve_invoice_provider(order.currency) if order.total_cents >= 500_00: # > NIS 5,000 after Jun 2026 result = await invoice_provider.create_invoice(...) # SHAAM allocation number automatically obtained

┌─────────────────────────────────────────────────────────────────┐ │ EXISTING PIPELINE NEW COMMERCE LAYER │ │ │ │ WhatsApp msg │ │ │ │ │ v │ │ ChatIngestEvent │ │ │ │ │ v │ │ whatsapp_processor │ │ │ │ │ ├──> spam detection │ │ ├──> media download │ │ ├──> audio transcription │ │ │ │ │ ├──> commerce_intent_detection() NEW SIDE EFFECT │ │ │ │ │ │ │ ├─ "order" ──> commerce_dispatch() │ │ │ ├─ "browse" ─> product_catalog_reply() │ │ │ ├─ "track" ──> order_status_reply() │ │ │ └─ "receipt" ─> invoice_resend() │ │ │ │ │ ├──> question detection │ │ └──> agent dispatch (existing) │ │ │ │ AllowedChats.assistant_mode: │ │ "off" | "codebase" | "project_assistant" | "commerce" │ │ │ │ GenUI Commerce Components: │ │ render_product_card — browseable product with image │ │ render_order_summary — cart review before payment │ │ render_payment_link — pay button (web) / URL (WhatsApp) │ │ render_order_tracker — status timeline │ │ render_invoice_card — downloadable tax invoice │ └─────────────────────────────────────────────────────────────────┘

## M39 Commerce Implementation Plan — Post-MPP Brainstorm (21 March 2026) ### Context Stripe launched MPP (Machine Payments Protocol) on March 18, 2026 — agent-to-agent autonomous payments. However: Israel is NOT in Stripe's 46 supported countries. MPP is private preview, US-only for stablecoin. Israeli Osek Morsheh requires PayPlus/Grow (ILS gateway) + GreenInvoice (SHAAM e-invoicing). ### Phase 1: #613 + #614 — Israeli Payment + Invoicing 1. Create `apps/api/app/services/commerce/payment_provider.py`: - `PaymentProvider` Protocol (Protocol DI pattern like voice-core) - Methods: create_payment_link(), create_payment_intent(), verify_webhook(), refund() - `GrowProvider` implementation (existing integration) - `PayPlusProvider` implementation (REST API at docs.payplus.co.il) 2. Create `apps/api/app/services/commerce/invoice_provider.py`: - `InvoiceProvider` Protocol - Methods: create_invoice(), send_invoice(), get_status() - `GreenInvoiceProvider` with SHAAM allocation number support - Triggered by payment.completed webhook (any provider) - SHAAM threshold: > NIS 5,000 after June 2026 3. Update `CommerceProduct` in commerce_registry.py: - payment_provider field resolves to Provider instance - Add invoice_provider field ### Phase 2: #1102 — Chat Commerce (Chat SDK Native) 4. Add commerce intent detection to whatsapp_processor.py: - New side effect: commerce_intent_detection() - Intents: ORDER, BROWSE, TRACK, RECEIPT - Insert AFTER spam detection, BEFORE agent dispatch 5. Add assistant_mode="commerce" to AllowedChats: - Config: product_slug, default_currency 6. Add 5 GenUI commerce components to packages/generative-ui/: - render_product_card, render_order_summary, render_payment_link - render_order_tracker, render_invoice_card - Channel-adaptive: web=interactive cards, WA=text+URL ### Future: Stripe MPP/ACP Readiness 7. Add Stripe MCP server to .mcp.json (hq-platform): ```json "stripe": { "url": "https://mcp.stripe.com" } ``` 8. Design StripeMPPProvider stub (feature-flagged): - Same PaymentProvider protocol - Uses PaymentIntents API with payment_method_types: ['crypto'] - Activate when Stripe supports Israel ### Cross-Stack Types - PaymentLinkResult, InvoiceResult -> Pydantic schemas + TypeScript interfaces - GenUI commerce component props -> Zod schemas (Tier 1)