Cb Payment Gateway Evaluator

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skill: cb-payment-gateway-evaluator name: Cross-border Payment Gateway Evaluator type: descriptive version: 1.0.0 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", "fraud", "compliance"] 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.

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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"

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