International Payments skills for AI agents

Activate this skill when the user sells software, SaaS, content or other digital services across borders and must handle VAT, GST or sales tax on international payments: EU One Stop Shop and similar destination-based regimes, business-versus-consumer treatment and reverse charge, marketplace and platform deemed-supplier rules, customer location evidence, invoicing requirements by market, and choosing a tax engine. Triggers on "VAT on digital services," "OSS," "non-Union OSS," "OIDAR," "GST on imported services," "overseas vendor registration," "marketplace facilitator," "deemed supplier," "reverse charge," "tax engine," "VIES," "economic nexus," or "which countries do I need to register in."

Activate this skill when the user is building multi-currency pricing or handling foreign exchange in international payments: choosing presentment versus settlement currency, understanding FX exposure and basic hedging, rounding minor units correctly for currencies like JPY, KWD and BHD, displaying amounts per locale, and storing money without floating-point loss. Triggers on "multi-currency," "presentment currency," "settlement currency," "FX markup," "exchange rate," "zero-decimal currency," "minor units," "rounding," "money type," "DCC," "hedging," "FX exposure," or "how should I store money in the database."

Triggers when the user is designing authentication and fraud controls for international payments across local payment methods: Strong Customer Authentication and 3-D Secure in the EU and UK, OTP and additional-factor norms in India for cards and UPI, risk rules per rail, chargeback exposure by method including SEPA Direct Debit and iDEAL, and velocity and device signals. Keywords: "SCA," "PSD2," "3DS2," "3-D Secure," "frictionless," "challenge," "TRA exemption," "soft decline," "OTP," "RBI AFA," "UPI PIN," "chargeback," "friendly fraud," "card testing," "velocity rules," "device fingerprint," "liability shift," "VAMP," "APP fraud."

Activate this skill when the user is choosing or explaining local payment methods for international payments and needs a map of the rails: cards, bank transfers, wallets, cash vouchers and QR schemes, and how each one settles, refunds and reconciles. Triggers on "local payment methods," "international payments," "PayNow," "iDEAL," "UPI," "SEPA," "Pix," "Bizum," "Alipay," "WeChat Pay," "Konbini," "which payment methods for Singapore/Netherlands/India/Brazil/Japan," "settlement time," "push vs pull payment," "refund on bank transfer," or "payment method coverage." Covers rail families, market-by-market defaults, settlement and refund behaviour, and how to choose a method mix by product and market.

Activate this skill when the user must match PSP payouts, bank statements and scheme reports to orders for international payments: fee lines, refunds, chargebacks, FX differences, timing gaps, building a double-entry ledger, running exception queues and closing the month. Triggers on "reconciliation," "settlement report," "payout reconciliation," "three-way match," "camt.053," "unmatched transactions," "ledger," "exception queue," "month-end close," "chargeback accounting," "SEPA returns," "UPI settlement file," or "why doesn't the payout equal the orders."

Triggers when the user is integrating or comparing PayNow, iDEAL, UPI and SEPA as local payment methods and needs the flows, identifiers, settlement times, refund paths, reconciliation artefacts, fee shapes and failure modes laid out side by side, plus what a checkout needs for each. Trigger keywords: "PayNow QR," "SGQR," "FAST transfer," "iDEAL redirect," "iDEAL transaction ID," "UPI intent," "VPA," "RRN," "UPI AutoPay," "SEPA Credit Transfer," "SCT Inst," "SEPA Direct Debit," "mandate," "R-transaction," "camt.053," "what does my checkout need for UPI/iDEAL," or "international payments for Singapore, the Netherlands, India and the euro area."

Activate this skill when the user is paying sellers, creators, drivers or suppliers in other countries and needs to design international payments out: KYC/KYB onboarding, choosing payout rails such as SEPA, UPI, PayNow, Pix, ACH and SWIFT, timing and cut-offs, paying in local currency versus a hub currency, fee handling, tax forms and platform reporting, and failure handling for returned or misdirected payouts. Keywords: "payouts," "mass payments," "seller payouts," "creator payments," "disbursements," "KYB," "beneficiary verification," "SWIFT OUR/SHA," "correspondent fees," "W-8BEN," "DAC7," "1099-K," "return codes," "payout failure," "negative balance."

Triggers when the user is selecting, integrating or migrating a payment service provider for international payments and local payment methods such as iDEAL, PayNow or UPI: coverage and licensing by market, card and network tokenization, webhook design with idempotency, retries, sandbox limitations, PSP-to-PSP migration of tokens and mandates, and the contract terms that matter. Keywords: "PSP," "payment gateway," "acquirer," "orchestration," "tokenization," "network tokens," "webhook idempotency," "idempotency key," "sandbox," "PSP migration," "interchange++," "rolling reserve," "settlement delay," "payment aggregator," "which PSP for market X."