Payment Method Management Integration #399
Description
Payment Method Management Integration
Request Type: New Feature
👤 User Story
As a SaaS platform user, I want to manage my payment methods seamlessly integrated with my subscription billing so that I can update, add, or remove payment methods as needed.
Route URL
/api/billing/payment-methods
🚨 Problem Statement, Use Case, or Opportunity
Currently, there is no integrated system to manage payment methods within the billing context. This creates challenges in payment processing, subscription renewals, and customer experience. The system needs seamless integration between payment method management and billing operations with proper security and compliance.
💡 Proposed Solution
Implement a payment method management integration with:
- Secure payment method storage and tokenization
- Integration with subscription billing and renewal processes
- Payment method validation and verification workflows
- Automatic payment method updates and notifications
- Multiple payment method support per customer
- Default payment method selection and fallback logic
- Payment method expiration handling and updates
- Integration with payment gateway providers
✅ Acceptance Criteria
- Secure payment method storage with tokenization
- Integration with subscription billing and renewal systems
- Payment method validation and verification processes
- Automatic payment method update capabilities
- Support for multiple payment methods per customer
- Default payment method management with fallback logic
- Payment method expiration monitoring and notifications
- Integration with multiple payment gateway providers
- API endpoints for payment method management
- Unit tests covering all payment method scenarios
📈 Impact, Risks and Benefits
Benefits:
- Improved customer experience with flexible payment options
- Reduced payment failures and subscription interruptions
- Better conversion rates with multiple payment options
- Enhanced security with tokenization and compliance
Risks:
- PCI compliance and security requirements
- Integration complexity with multiple payment gateways
- Payment method synchronization challenges
- Customer data privacy and protection concerns
Impact:
- Critical for subscription revenue continuity
- Significant impact on customer satisfaction and retention
- Essential for payment processing reliability
📚 Context and Examples
Similar to how platforms like Stripe Customer Portal, PayPal Vault, or SaaS platforms provide integrated payment method management with billing systems.
🔧 Technical Requirements
- Backend/API changes required
- Database schema changes required
- Third-party integrations needed
- Documentation updates needed
- Tests must be written
🖇️ Related Issues
Related to payment processing, subscription billing, security and compliance, and customer account management.