merge: Stripe payment provider (dispatch-by-config alongside Paddle)

CHANGELOG.md

@@ -6,6 +6,19 @@ The format is based on [Keep a Changelog](https://keepachangelog.com/en/1.1.0/).
 
 ## [Unreleased]
 
+### Added
+- **Stripe payment provider** — second payment provider alongside Paddle, switchable via `PAYMENT_PROVIDER=stripe` env var. Existing Paddle subscribers keep working regardless of toggle — both webhook endpoints stay active.
+  - `billing/stripe.py`: full Stripe implementation (Checkout Sessions, Billing Portal, subscription cancel, webhook verification + parsing)
+  - `billing/paddle.py`: extracted Paddle-specific logic from routes.py into its own module
+  - `billing/routes.py`: provider-agnostic dispatch layer — checkout, manage, cancel routes call `_provider().xxx()`
+  - `_payment_js.html`: dual-path JS — conditionally loads Paddle.js SDK, universal `startCheckout()` handles both overlay (Paddle) and redirect (Stripe)
+  - `scripts/setup_stripe.py`: mirrors `setup_paddle.py` — creates 17 products + prices in Stripe, registers webhook endpoint
+  - Migration 0028: `payment_products` table generalizing `paddle_products` with `provider` column; existing Paddle rows copied
+  - `get_price_id()` / `get_all_price_ids()` replace `get_paddle_price()` for provider-agnostic lookups
+  - Stripe config vars: `STRIPE_SECRET_KEY`, `STRIPE_PUBLISHABLE_KEY`, `STRIPE_WEBHOOK_SECRET`
+  - Dashboard boost buttons converted from inline `Paddle.Checkout.open()` to server round-trip via `/billing/checkout/item` endpoint
+  - Stripe Tax add-on handles EU VAT (must be enabled in Stripe Dashboard)
+
 ### Changed
 - **CRO overhaul — homepage and supplier landing pages** — rewrote all copy from feature-focused ("60+ variables", "6 analysis tabs") to outcome-focused JTBD framing ("Invest in Padel with Confidence, Not Guesswork"). Based on JTBD analysis: the visitor's job is confidence committing €200K+, not "plan faster."
   - **Homepage hero**: new headline, description, and trust-building bullets (bank-ready metrics, real market data, free/no-signup)

PROJECT.md

@@ -60,6 +60,7 @@
 - [x] Boost purchases (logo, highlight, verified, card color, sticky week/month)
 - [x] Credit pack purchases (25/50/100/250)
 - [x] Supplier subscription tiers (Basic free / Growth €199 / Pro €499, monthly + annual)
+- [x] **Stripe payment provider** — env-var toggle (`PAYMENT_PROVIDER=paddle|stripe`), Stripe Checkout Sessions + Billing Portal + webhook handling, `payment_products` table generalizes `paddle_products`, dual-path JS templates, `billing/paddle.py` + `billing/stripe.py` dispatch pattern, `setup_stripe.py` product creation script
 - [x] **Feature flags** (DB-backed, migration 0019) — `is_flag_enabled()` + `feature_gate()` decorator replace `WAITLIST_MODE`; 5 flags (markets, payments, planner_export, supplier_signup, lead_unlock); admin UI at `/admin/flags` with toggle
 - [x] **Pricing overhaul** — Basic free (no Paddle sub), card color €59, BP PDF €149; supplier page restructured value-first (why → guarantee → leads → social proof → pricing); all CTAs "Get Started Free"; static ROI line; credits-only callout
 - [x] **Lead-Back Guarantee** (migration 0020) — 1-click credit refund for non-responding leads (3–30 day window); `refund_lead_guarantee()` in credits.py; "Lead didn't respond" button on unlocked lead cards

uv.lock

@@ -1392,6 +1392,7 @@ dependencies = [
     { name = "pyyaml" },
     { name = "quart" },
     { name = "resend" },
+    { name = "stripe" },
     { name = "weasyprint" },
 ]
 
@@ -1413,6 +1414,7 @@ requires-dist = [
     { name = "pyyaml", specifier = ">=6.0" },
     { name = "quart", specifier = ">=0.19.0" },
     { name = "resend", specifier = ">=2.22.0" },
+    { name = "stripe", specifier = ">=14.4.0" },
     { name = "weasyprint", specifier = ">=68.1" },
 ]
 
@@ -2519,6 +2521,19 @@ wheels = [
     { url = "https://files.pythonhosted.org/packages/f1/7b/ce1eafaf1a76852e2ec9b22edecf1daa58175c090266e9f6c64afcd81d91/stack_data-0.6.3-py3-none-any.whl", hash = "sha256:d5558e0c25a4cb0853cddad3d77da9891a08cb85dd9f9f91b9f8cd66e511e695", size = 24521, upload-time = "2023-09-30T13:58:03.53Z" },
 ]
 
+[[package]]
+name = "stripe"
+version = "14.4.0"
+source = { registry = "https://pypi.org/simple" }
+dependencies = [
+    { name = "requests" },
+    { name = "typing-extensions" },
+]
+sdist = { url = "https://files.pythonhosted.org/packages/6a/ec/0f17cff3f7c91b0215266959c5a2a96b0bf9f45ac041c50b99ad8f9b5047/stripe-14.4.0.tar.gz", hash = "sha256:ddaa06f5e38a582bef7e93e06fc304ba8ae3b4c0c2aac43da02c84926f05fa0a", size = 1472370, upload-time = "2026-02-25T17:52:40.905Z" }
+wheels = [
+    { url = "https://files.pythonhosted.org/packages/38/09/fcecad01d76dbe027015dd559ec1b6dccfc319c2540991dde4b1de81ba34/stripe-14.4.0-py3-none-any.whl", hash = "sha256:357151a816cd0bb012d6cb29f108fae50b9f6eece8530d7bc31dfa90c9ceb84c", size = 2115405, upload-time = "2026-02-25T17:52:39.128Z" },
+]
+
 [[package]]
 name = "tenacity"
 version = "9.1.4"

web/pyproject.toml

@@ -22,6 +22,7 @@ dependencies = [
     "httpx>=0.27.0",
     "google-api-python-client>=2.100.0",
     "google-auth>=2.23.0",
+    "stripe>=14.4.0",
 ]
 
 [build-system]

web/src/padelnomics/billing/paddle.py

@@ -0,0 +1,116 @@
+"""
+Paddle payment provider — checkout, webhook verification, subscription management.
+
+Exports the 5 functions that billing/routes.py dispatches to:
+- build_checkout_payload()
+- build_multi_item_checkout_payload()
+- cancel_subscription()
+- get_management_url()
+- handle_webhook()
+"""
+
+import json
+
+from paddle_billing import Client as PaddleClient
+from paddle_billing import Environment, Options
+from paddle_billing.Notifications import Secret, Verifier
+
+from ..core import config
+
+
+def _paddle_client() -> PaddleClient:
+    """Create a Paddle SDK client."""
+    env = Environment.SANDBOX if config.PADDLE_ENVIRONMENT == "sandbox" else Environment.PRODUCTION
+    return PaddleClient(config.PADDLE_API_KEY, options=Options(env))
+
+
+class _WebhookRequest:
+    """Minimal wrapper satisfying paddle_billing's Request Protocol."""
+
+    def __init__(self, body: bytes, headers):
+        self.body = body
+        self.headers = headers
+
+
+_verifier = Verifier(maximum_variance=300)
+
+
+def build_checkout_payload(
+    price_id: str, custom_data: dict, success_url: str,
+) -> dict:
+    """Build JSON payload for a single-item Paddle.js overlay checkout."""
+    return {
+        "items": [{"priceId": price_id, "quantity": 1}],
+        "customData": custom_data,
+        "settings": {"successUrl": success_url},
+    }
+
+
+def build_multi_item_checkout_payload(
+    items: list[dict], custom_data: dict, success_url: str,
+) -> dict:
+    """Build JSON payload for a multi-item Paddle.js overlay checkout."""
+    return {
+        "items": items,
+        "customData": custom_data,
+        "settings": {"successUrl": success_url},
+    }
+
+
+def cancel_subscription(provider_subscription_id: str) -> None:
+    """Cancel a Paddle subscription at end of current billing period."""
+    from paddle_billing.Resources.Subscriptions.Operations import CancelSubscription
+
+    paddle = _paddle_client()
+    paddle.subscriptions.cancel(
+        provider_subscription_id,
+        CancelSubscription(effective_from="next_billing_period"),
+    )
+
+
+def get_management_url(provider_subscription_id: str) -> str:
+    """Get the Paddle customer portal URL for updating payment method."""
+    paddle = _paddle_client()
+    paddle_sub = paddle.subscriptions.get(provider_subscription_id)
+    return paddle_sub.management_urls.update_payment_method
+
+
+def verify_webhook(payload: bytes, headers) -> bool:
+    """Verify Paddle webhook signature. Returns True if valid or no secret configured."""
+    if not config.PADDLE_WEBHOOK_SECRET:
+        return True
+    try:
+        return _verifier.verify(
+            _WebhookRequest(payload, headers),
+            Secret(config.PADDLE_WEBHOOK_SECRET),
+        )
+    except (ConnectionRefusedError, ValueError):
+        return False
+
+
+def parse_webhook(payload: bytes) -> dict:
+    """Parse a Paddle webhook payload into a normalized event dict.
+
+    Returns dict with keys: event_type, subscription_id, customer_id,
+    user_id, supplier_id, plan, status, current_period_end, data, items.
+    """
+    event = json.loads(payload)
+    event_type = event.get("event_type", "")
+    data = event.get("data") or {}
+    custom_data = data.get("custom_data") or {}
+
+    billing_period = data.get("current_billing_period") or {}
+
+    return {
+        "event_type": event_type,
+        "subscription_id": data.get("id", ""),
+        "customer_id": str(data.get("customer_id", "")),
+        "user_id": custom_data.get("user_id"),
+        "supplier_id": custom_data.get("supplier_id"),
+        "plan": custom_data.get("plan", ""),
+        "status": data.get("status", ""),
+        "current_period_end": billing_period.get("ends_at"),
+        "data": data,
+        "items": data.get("items", []),
+        "custom_data": custom_data,
+    }

web/src/padelnomics/billing/routes.py

@@ -1,6 +1,9 @@
 """
 Billing domain: checkout, webhooks, subscription management.
-Payment provider: paddle
+
+Provider dispatch: PAYMENT_PROVIDER env var selects 'paddle' or 'stripe'.
+Both webhook endpoints (/webhook/paddle and /webhook/stripe) stay active
+regardless of the toggle — existing subscribers keep sending webhooks.
 """
 
 import json
@@ -8,20 +11,21 @@ import secrets
 from datetime import timedelta
 from pathlib import Path
 
-from paddle_billing import Client as PaddleClient
-from paddle_billing import Environment, Options
-from paddle_billing.Notifications import Secret, Verifier
 from quart import Blueprint, flash, g, jsonify, redirect, render_template, request, session, url_for
 
 from ..auth.routes import login_required
-from ..core import config, execute, fetch_one, get_paddle_price, utcnow, utcnow_iso
+from ..core import config, execute, fetch_one, get_price_id, utcnow, utcnow_iso
 from ..i18n import get_translations
 
 
-def _paddle_client() -> PaddleClient:
-    """Create a Paddle SDK client. Used only for subscription management + webhook verification."""
-    env = Environment.SANDBOX if config.PADDLE_ENVIRONMENT == "sandbox" else Environment.PRODUCTION
-    return PaddleClient(config.PADDLE_API_KEY, options=Options(env))
+def _provider():
+    """Return the active payment provider module."""
+    if config.PAYMENT_PROVIDER == "stripe":
+        from . import stripe as mod
+    else:
+        from . import paddle as mod
+    return mod
+
 
 # Blueprint with its own template folder
 bp = Blueprint(
@@ -33,7 +37,7 @@ bp = Blueprint(
 
 
 # =============================================================================
-# SQL Queries
+# SQL Queries (provider-agnostic)
 # =============================================================================
 
 async def get_subscription(user_id: int) -> dict | None:
@@ -132,7 +136,7 @@ async def is_within_limits(user_id: int, resource: str, current_count: int) -> b
 
 
 # =============================================================================
-# Routes
+# Routes (provider-agnostic)
 # =============================================================================
 
 @bp.route("/pricing")
@@ -151,129 +155,171 @@ async def success():
     return await render_template("success.html")
 
 
-
 # =============================================================================
-# Paddle Implementation — Paddle.js Overlay Checkout
+# Checkout / Manage / Cancel — dispatched to active provider
 # =============================================================================
 
 @bp.route("/checkout/<plan>", methods=["POST"])
 @login_required
 async def checkout(plan: str):
-    """Return JSON for Paddle.js overlay checkout."""
-    price_id = await get_paddle_price(plan)
+    """Return JSON for checkout (overlay for Paddle, redirect URL for Stripe)."""
+    price_id = await get_price_id(plan)
     if not price_id:
         return jsonify({"error": "Invalid plan selected."}), 400
 
-    return jsonify({
-        "items": [{"priceId": price_id, "quantity": 1}],
-        "customData": {"user_id": str(g.user["id"]), "plan": plan},
-        "settings": {
-            "successUrl": f"{config.BASE_URL}/billing/success",
-        },
-    })
+    payload = _provider().build_checkout_payload(
+        price_id=price_id,
+        custom_data={"user_id": str(g.user["id"]), "plan": plan},
+        success_url=f"{config.BASE_URL}/billing/success",
+    )
+    return jsonify(payload)
+
+
+@bp.route("/checkout/item", methods=["POST"])
+@login_required
+async def checkout_item():
+    """Return checkout JSON for a single item (boost, credit pack, etc.).
+
+    Used by dashboard boost/credit buttons that need a server round-trip
+    for Stripe (Checkout Session creation) and work with Paddle overlay too.
+    Expects JSON body: {price_key, custom_data, success_url?}
+    """
+    body = await request.get_json(silent=True) or {}
+    price_key = body.get("price_key", "")
+    custom_data = body.get("custom_data", {})
+    success_url = body.get("success_url", f"{config.BASE_URL}/suppliers/dashboard?tab=boosts")
+
+    price_id = await get_price_id(price_key)
+    if not price_id:
+        return jsonify({"error": "Product not configured."}), 400
+
+    payload = _provider().build_checkout_payload(
+        price_id=price_id,
+        custom_data=custom_data,
+        success_url=success_url,
+    )
+    return jsonify(payload)
 
 
 @bp.route("/manage", methods=["POST"])
 @login_required
 async def manage():
-    """Redirect to Paddle customer portal."""
+    """Redirect to payment provider's customer portal."""
     sub = await get_subscription(g.user["id"])
     if not sub or not sub.get("provider_subscription_id"):
         t = get_translations(g.get("lang") or "en")
         await flash(t["billing_no_subscription"], "error")
         return redirect(url_for("dashboard.settings"))
 
-    paddle = _paddle_client()
-    paddle_sub = paddle.subscriptions.get(sub["provider_subscription_id"])
-    portal_url = paddle_sub.management_urls.update_payment_method
+    portal_url = _provider().get_management_url(sub["provider_subscription_id"])
     return redirect(portal_url)
 
 
 @bp.route("/cancel", methods=["POST"])
 @login_required
 async def cancel():
-    """Cancel subscription via Paddle API."""
+    """Cancel subscription via active payment provider."""
     sub = await get_subscription(g.user["id"])
     if sub and sub.get("provider_subscription_id"):
-        from paddle_billing.Resources.Subscriptions.Operations import CancelSubscription
-        paddle = _paddle_client()
-        paddle.subscriptions.cancel(
-            sub["provider_subscription_id"],
-            CancelSubscription(effective_from="next_billing_period"),
-        )
+        _provider().cancel_subscription(sub["provider_subscription_id"])
     return redirect(url_for("dashboard.settings"))
 
 
-class _WebhookRequest:
-    """Minimal wrapper satisfying paddle_billing's Request Protocol."""
-    def __init__(self, body: bytes, headers):
-        self.body = body
-        self.headers = headers
-
-
-_verifier = Verifier(maximum_variance=300)
-
+# =============================================================================
+# Paddle Webhook — always active (existing subscribers keep sending)
+# =============================================================================
 
 @bp.route("/webhook/paddle", methods=["POST"])
-async def webhook():
-    """Handle Paddle webhooks."""
+async def webhook_paddle():
+    """Handle Paddle webhooks — always active regardless of PAYMENT_PROVIDER toggle."""
+    from . import paddle as paddle_mod
+
     payload = await request.get_data()
 
-    if config.PADDLE_WEBHOOK_SECRET:
-        try:
-            ok = _verifier.verify(
-                _WebhookRequest(payload, request.headers),
-                Secret(config.PADDLE_WEBHOOK_SECRET),
-            )
-        except (ConnectionRefusedError, ValueError):
-            ok = False
-        if not ok:
-            return jsonify({"error": "Invalid signature"}), 400
+    if not paddle_mod.verify_webhook(payload, request.headers):
+        return jsonify({"error": "Invalid signature"}), 400
 
     try:
-        event = json.loads(payload)
+        ev = paddle_mod.parse_webhook(payload)
     except (json.JSONDecodeError, ValueError):
         return jsonify({"error": "Invalid JSON payload"}), 400
-    event_type = event.get("event_type")
-    data = event.get("data") or {}
-    custom_data = data.get("custom_data") or {}
-    user_id = custom_data.get("user_id")
-    plan = custom_data.get("plan", "")
 
-    # Store billing customer for any subscription event with a customer_id
-    customer_id = str(data.get("customer_id", ""))
+    await _handle_webhook_event(ev)
+    return jsonify({"received": True})
+
+
+# =============================================================================
+# Stripe Webhook — always active (once Stripe is configured)
+# =============================================================================
+
+@bp.route("/webhook/stripe", methods=["POST"])
+async def webhook_stripe():
+    """Handle Stripe webhooks — always active regardless of PAYMENT_PROVIDER toggle."""
+    if not config.STRIPE_WEBHOOK_SECRET:
+        return jsonify({"error": "Stripe not configured"}), 404
+
+    from . import stripe as stripe_mod
+
+    payload = await request.get_data()
+
+    if not stripe_mod.verify_webhook(payload, request.headers):
+        return jsonify({"error": "Invalid signature"}), 400
+
+    try:
+        ev = stripe_mod.parse_webhook(payload)
+    except (json.JSONDecodeError, ValueError):
+        return jsonify({"error": "Invalid payload"}), 400
+
+    await _handle_webhook_event(ev)
+    return jsonify({"received": True})
+
+
+# =============================================================================
+# Shared Webhook Event Handler (provider-agnostic)
+# =============================================================================
+
+async def _handle_webhook_event(ev: dict) -> None:
+    """Process a normalized webhook event from any provider.
+
+    ev keys: event_type, subscription_id, customer_id, user_id, supplier_id,
+             plan, status, current_period_end, data, items, custom_data
+    """
+    event_type = ev.get("event_type", "")
+    user_id = ev.get("user_id")
+    plan = ev.get("plan", "")
+
+    # Store billing customer
+    customer_id = ev.get("customer_id", "")
     if customer_id and user_id:
         await upsert_billing_customer(int(user_id), customer_id)
 
     if event_type == "subscription.activated":
         if plan.startswith("supplier_"):
-            await _handle_supplier_subscription_activated(data, custom_data)
+            await _handle_supplier_subscription_activated(ev)
         elif user_id:
             await upsert_subscription(
                 user_id=int(user_id),
                 plan=plan or "starter",
                 status="active",
-                provider_subscription_id=data.get("id", ""),
-                current_period_end=(data.get("current_billing_period") or {}).get("ends_at"),
+                provider_subscription_id=ev.get("subscription_id", ""),
+                current_period_end=ev.get("current_period_end"),
             )
 
     elif event_type == "subscription.updated":
         await update_subscription_status(
-            data.get("id", ""),
-            status=data.get("status", "active"),
-            current_period_end=(data.get("current_billing_period") or {}).get("ends_at"),
+            ev.get("subscription_id", ""),
+            status=ev.get("status", "active"),
+            current_period_end=ev.get("current_period_end"),
         )
 
     elif event_type == "subscription.canceled":
-        await update_subscription_status(data.get("id", ""), status="cancelled")
+        await update_subscription_status(ev.get("subscription_id", ""), status="cancelled")
 
     elif event_type == "subscription.past_due":
-        await update_subscription_status(data.get("id", ""), status="past_due")
+        await update_subscription_status(ev.get("subscription_id", ""), status="past_due")
 
     elif event_type == "transaction.completed":
-        await _handle_transaction_completed(data, custom_data)
-
-    return jsonify({"received": True})
+        await _handle_transaction_completed(ev)
 
 
 # =============================================================================
@@ -301,7 +347,13 @@ BOOST_PRICE_KEYS = {
 
 
 async def _price_id_to_key(price_id: str) -> str | None:
-    """Reverse-lookup a paddle_products key from a Paddle price ID."""
+    """Reverse-lookup a product key from a provider price ID."""
+    row = await fetch_one(
+        "SELECT key FROM payment_products WHERE provider_price_id = ?", (price_id,)
+    )
+    if row:
+        return row["key"]
+    # Fallback to old table for pre-migration DBs
     row = await fetch_one(
         "SELECT key FROM paddle_products WHERE paddle_price_id = ?", (price_id,)
     )
@@ -330,13 +382,13 @@ def _derive_tier_from_plan(plan: str) -> tuple[str, str]:
     return base, tier
 
 
-async def _handle_supplier_subscription_activated(data: dict, custom_data: dict) -> None:
+async def _handle_supplier_subscription_activated(ev: dict) -> None:
     """Handle supplier plan subscription activation."""
     from ..core import transaction as db_transaction
 
-    supplier_id = custom_data.get("supplier_id")
-    plan = custom_data.get("plan", "supplier_growth")
-    user_id = custom_data.get("user_id")
+    supplier_id = ev.get("supplier_id")
+    plan = ev.get("plan", "supplier_growth")
+    user_id = ev.get("user_id")
 
     if not supplier_id:
         return
@@ -365,7 +417,8 @@ async def _handle_supplier_subscription_activated(data: dict, custom_data: dict)
             )
 
         # Create boost records for items included in the subscription
-        items = data.get("items", [])
+        items = ev.get("items", [])
+        data = ev.get("data", {})
         for item in items:
             price_id = item.get("price", {}).get("id", "")
             key = await _price_id_to_key(price_id)
@@ -388,13 +441,15 @@ async def _handle_supplier_subscription_activated(data: dict, custom_data: dict)
                     )
 
 
-async def _handle_transaction_completed(data: dict, custom_data: dict) -> None:
+async def _handle_transaction_completed(ev: dict) -> None:
     """Handle one-time transaction completion (credit packs, sticky boosts, business plan)."""
-    supplier_id = custom_data.get("supplier_id")
-    user_id = custom_data.get("user_id")
+    supplier_id = ev.get("supplier_id")
+    user_id = ev.get("user_id")
+    custom_data = ev.get("custom_data", {})
+    data = ev.get("data", {})
     now = utcnow_iso()
 
-    items = data.get("items", [])
+    items = ev.get("items", [])
     for item in items:
         price_id = item.get("price", {}).get("id", "")
         key = await _price_id_to_key(price_id)

web/src/padelnomics/billing/stripe.py

@@ -0,0 +1,326 @@
+"""
+Stripe payment provider — checkout sessions, webhook handling, subscription management.
+
+Exports the same interface as paddle.py so billing/routes.py can dispatch:
+- build_checkout_payload()
+- build_multi_item_checkout_payload()
+- cancel_subscription()
+- get_management_url()
+- verify_webhook()
+- parse_webhook()
+
+Stripe Tax add-on handles EU VAT collection (must be enabled in Stripe Dashboard).
+"""
+
+import json
+import logging
+
+import stripe as stripe_sdk
+
+from ..core import config
+
+logger = logging.getLogger(__name__)
+
+# Timeout for all Stripe API calls (seconds)
+_STRIPE_TIMEOUT_SECONDS = 10
+
+
+def _stripe_client():
+    """Configure and return the stripe module with our API key."""
+    stripe_sdk.api_key = config.STRIPE_SECRET_KEY
+    stripe_sdk.max_network_retries = 2
+    return stripe_sdk
+
+
+def build_checkout_payload(
+    price_id: str, custom_data: dict, success_url: str,
+) -> dict:
+    """Create a Stripe Checkout Session for a single item.
+
+    Returns {checkout_url: "https://checkout.stripe.com/..."} — the client
+    JS redirects the browser there (no overlay SDK needed).
+    """
+    s = _stripe_client()
+    session = s.checkout.Session.create(
+        mode=_mode_for_price(s, price_id),
+        line_items=[{"price": price_id, "quantity": 1}],
+        metadata=custom_data,
+        success_url=success_url + "?session_id={CHECKOUT_SESSION_ID}",
+        cancel_url=success_url.rsplit("/success", 1)[0] + "/pricing",
+        automatic_tax={"enabled": True},
+        tax_id_collection={"enabled": True},
+        request_options={"timeout": _STRIPE_TIMEOUT_SECONDS},
+    )
+    return {"checkout_url": session.url}
+
+
+def build_multi_item_checkout_payload(
+    items: list[dict], custom_data: dict, success_url: str,
+) -> dict:
+    """Create a Stripe Checkout Session for multiple line items.
+
+    items: list of {"priceId": "price_xxx", "quantity": 1}
+    """
+    s = _stripe_client()
+
+    line_items = [{"price": i["priceId"], "quantity": i.get("quantity", 1)} for i in items]
+
+    # Determine mode: if any item is recurring, use "subscription".
+    # Otherwise use "payment" for one-time purchases.
+    has_recurring = any(_is_recurring_price(s, i["priceId"]) for i in items)
+    mode = "subscription" if has_recurring else "payment"
+
+    session = s.checkout.Session.create(
+        mode=mode,
+        line_items=line_items,
+        metadata=custom_data,
+        success_url=success_url + "?session_id={CHECKOUT_SESSION_ID}",
+        cancel_url=success_url.rsplit("/success", 1)[0],
+        automatic_tax={"enabled": True},
+        tax_id_collection={"enabled": True},
+        request_options={"timeout": _STRIPE_TIMEOUT_SECONDS},
+    )
+    return {"checkout_url": session.url}
+
+
+def _mode_for_price(s, price_id: str) -> str:
+    """Determine Checkout Session mode from price type."""
+    try:
+        price = s.Price.retrieve(price_id, request_options={"timeout": _STRIPE_TIMEOUT_SECONDS})
+        return "subscription" if price.type == "recurring" else "payment"
+    except Exception:
+        # Default to payment if we can't determine
+        return "payment"
+
+
+def _is_recurring_price(s, price_id: str) -> bool:
+    """Check if a Stripe price is recurring (subscription)."""
+    try:
+        price = s.Price.retrieve(price_id, request_options={"timeout": _STRIPE_TIMEOUT_SECONDS})
+        return price.type == "recurring"
+    except Exception:
+        return False
+
+
+def cancel_subscription(provider_subscription_id: str) -> None:
+    """Cancel a Stripe subscription at end of current billing period."""
+    s = _stripe_client()
+    s.Subscription.modify(
+        provider_subscription_id,
+        cancel_at_period_end=True,
+        request_options={"timeout": _STRIPE_TIMEOUT_SECONDS},
+    )
+
+
+def get_management_url(provider_subscription_id: str) -> str:
+    """Create a Stripe Billing Portal session and return its URL."""
+    s = _stripe_client()
+
+    # Get customer_id from the subscription
+    sub = s.Subscription.retrieve(
+        provider_subscription_id,
+        request_options={"timeout": _STRIPE_TIMEOUT_SECONDS},
+    )
+    portal = s.billing_portal.Session.create(
+        customer=sub.customer,
+        return_url=f"{config.BASE_URL}/billing/success",
+        request_options={"timeout": _STRIPE_TIMEOUT_SECONDS},
+    )
+    return portal.url
+
+
+def verify_webhook(payload: bytes, headers) -> bool:
+    """Verify Stripe webhook signature using the Stripe-Signature header."""
+    if not config.STRIPE_WEBHOOK_SECRET:
+        return True
+    sig_header = headers.get("Stripe-Signature", "")
+    if not sig_header:
+        return False
+    try:
+        stripe_sdk.Webhook.construct_event(
+            payload, sig_header, config.STRIPE_WEBHOOK_SECRET,
+        )
+        return True
+    except (stripe_sdk.SignatureVerificationError, ValueError):
+        return False
+
+
+def parse_webhook(payload: bytes) -> dict:
+    """Parse a Stripe webhook payload into a normalized event dict.
+
+    Maps Stripe event types to the shared format used by _handle_webhook_event():
+    - checkout.session.completed (mode=subscription) → subscription.activated
+    - customer.subscription.updated → subscription.updated
+    - customer.subscription.deleted → subscription.canceled
+    - invoice.payment_failed → subscription.past_due
+    - checkout.session.completed (mode=payment) → transaction.completed
+    """
+    raw = json.loads(payload)
+    stripe_type = raw.get("type", "")
+    obj = raw.get("data", {}).get("object", {})
+
+    # Extract metadata — Stripe stores custom data in session/subscription metadata
+    metadata = obj.get("metadata") or {}
+
+    # Common fields
+    customer_id = obj.get("customer", "")
+    user_id = metadata.get("user_id")
+    supplier_id = metadata.get("supplier_id")
+    plan = metadata.get("plan", "")
+
+    # Map Stripe events to our shared event types
+    if stripe_type == "checkout.session.completed":
+        mode = obj.get("mode", "")
+        if mode == "subscription":
+            subscription_id = obj.get("subscription", "")
+            # Fetch subscription details for period end
+            period_end = None
+            if subscription_id:
+                try:
+                    s = _stripe_client()
+                    sub = s.Subscription.retrieve(
+                        subscription_id,
+                        request_options={"timeout": _STRIPE_TIMEOUT_SECONDS},
+                    )
+                    period_end = _unix_to_iso(sub.current_period_end)
+                except Exception:
+                    logger.warning("Failed to fetch subscription %s for period_end", subscription_id)
+
+            return {
+                "event_type": "subscription.activated",
+                "subscription_id": subscription_id,
+                "customer_id": str(customer_id),
+                "user_id": user_id,
+                "supplier_id": supplier_id,
+                "plan": plan,
+                "status": "active",
+                "current_period_end": period_end,
+                "data": obj,
+                "items": _extract_line_items(obj),
+                "custom_data": metadata,
+            }
+        else:
+            # One-time payment
+            return {
+                "event_type": "transaction.completed",
+                "subscription_id": "",
+                "customer_id": str(customer_id),
+                "user_id": user_id,
+                "supplier_id": supplier_id,
+                "plan": plan,
+                "status": "completed",
+                "current_period_end": None,
+                "data": obj,
+                "items": _extract_line_items(obj),
+                "custom_data": metadata,
+            }
+
+    elif stripe_type == "customer.subscription.updated":
+        status = _map_stripe_status(obj.get("status", ""))
+        return {
+            "event_type": "subscription.updated",
+            "subscription_id": obj.get("id", ""),
+            "customer_id": str(customer_id),
+            "user_id": user_id,
+            "supplier_id": supplier_id,
+            "plan": plan,
+            "status": status,
+            "current_period_end": _unix_to_iso(obj.get("current_period_end")),
+            "data": obj,
+            "items": _extract_sub_items(obj),
+            "custom_data": metadata,
+        }
+
+    elif stripe_type == "customer.subscription.deleted":
+        return {
+            "event_type": "subscription.canceled",
+            "subscription_id": obj.get("id", ""),
+            "customer_id": str(customer_id),
+            "user_id": user_id,
+            "supplier_id": supplier_id,
+            "plan": plan,
+            "status": "cancelled",
+            "current_period_end": _unix_to_iso(obj.get("current_period_end")),
+            "data": obj,
+            "items": _extract_sub_items(obj),
+            "custom_data": metadata,
+        }
+
+    elif stripe_type == "invoice.payment_failed":
+        sub_id = obj.get("subscription", "")
+        return {
+            "event_type": "subscription.past_due",
+            "subscription_id": sub_id,
+            "customer_id": str(customer_id),
+            "user_id": user_id,
+            "supplier_id": supplier_id,
+            "plan": plan,
+            "status": "past_due",
+            "current_period_end": None,
+            "data": obj,
+            "items": [],
+            "custom_data": metadata,
+        }
+
+    # Unknown event — return a no-op
+    return {
+        "event_type": "",
+        "subscription_id": "",
+        "customer_id": str(customer_id),
+        "user_id": user_id,
+        "supplier_id": supplier_id,
+        "plan": plan,
+        "status": "",
+        "current_period_end": None,
+        "data": obj,
+        "items": [],
+        "custom_data": metadata,
+    }
+
+
+# =============================================================================
+# Helpers
+# =============================================================================
+
+def _map_stripe_status(stripe_status: str) -> str:
+    """Map Stripe subscription status to our internal status."""
+    mapping = {
+        "active": "active",
+        "trialing": "on_trial",
+        "past_due": "past_due",
+        "canceled": "cancelled",
+        "unpaid": "past_due",
+        "incomplete": "past_due",
+        "incomplete_expired": "expired",
+        "paused": "paused",
+    }
+    return mapping.get(stripe_status, stripe_status)
+
+
+def _unix_to_iso(ts) -> str | None:
+    """Convert Unix timestamp to ISO string, or None."""
+    if not ts:
+        return None
+    from datetime import UTC, datetime
+    return datetime.fromtimestamp(int(ts), tz=UTC).strftime("%Y-%m-%dT%H:%M:%S.000000Z")
+
+
+def _extract_line_items(session_obj: dict) -> list[dict]:
+    """Extract line items from a Checkout Session in Paddle-compatible format.
+
+    Stripe sessions don't embed line items directly — we'd need an extra API call.
+    For webhook handling, the key info (price_id) comes from subscription items.
+    Returns items in the format: [{"price": {"id": "price_xxx"}}]
+    """
+    # For checkout.session.completed, line_items aren't in the webhook payload.
+    # The webhook handler for subscription.activated fetches them separately.
+    # For one-time payments, we can reconstruct from the session's line_items
+    # via the Stripe API, but to keep webhook handling fast we skip this and
+    # handle it via the subscription events instead.
+    return []
+
+
+def _extract_sub_items(sub_obj: dict) -> list[dict]:
+    """Extract items from a Stripe Subscription object in Paddle-compatible format."""
+    items = sub_obj.get("items", {}).get("data", [])
+    return [{"price": {"id": item.get("price", {}).get("id", "")}} for item in items]

web/src/padelnomics/core.py

@@ -49,13 +49,17 @@ class Config:
     MAGIC_LINK_EXPIRY_MINUTES: int = int(os.getenv("MAGIC_LINK_EXPIRY_MINUTES", "15"))
     SESSION_LIFETIME_DAYS: int = int(os.getenv("SESSION_LIFETIME_DAYS", "30"))
 
-    PAYMENT_PROVIDER: str = "paddle"
+    PAYMENT_PROVIDER: str = _env("PAYMENT_PROVIDER", "paddle")
 
     PADDLE_API_KEY: str = os.getenv("PADDLE_API_KEY", "")
     PADDLE_CLIENT_TOKEN: str = os.getenv("PADDLE_CLIENT_TOKEN", "")
     PADDLE_WEBHOOK_SECRET: str = os.getenv("PADDLE_WEBHOOK_SECRET", "")
     PADDLE_ENVIRONMENT: str = _env("PADDLE_ENVIRONMENT", "sandbox")
 
+    STRIPE_SECRET_KEY: str = os.getenv("STRIPE_SECRET_KEY", "")
+    STRIPE_PUBLISHABLE_KEY: str = os.getenv("STRIPE_PUBLISHABLE_KEY", "")
+    STRIPE_WEBHOOK_SECRET: str = os.getenv("STRIPE_WEBHOOK_SECRET", "")
+
     UMAMI_API_URL: str = os.getenv("UMAMI_API_URL", "https://umami.padelnomics.io")
     UMAMI_API_TOKEN: str = os.getenv("UMAMI_API_TOKEN", "")
     UMAMI_WEBSITE_ID: str = "4474414b-58d6-4c6e-89a1-df5ea1f49d70"
@@ -722,16 +726,39 @@ async def purge_deleted(table: str, days: int = 30) -> int:
 # =============================================================================
 
 
+async def get_price_id(key: str, provider: str = None) -> str | None:
+    """Look up a provider price ID by product key from the payment_products table."""
+    provider = provider or config.PAYMENT_PROVIDER
+    row = await fetch_one(
+        "SELECT provider_price_id FROM payment_products WHERE provider = ? AND key = ?",
+        (provider, key),
+    )
+    return row["provider_price_id"] if row else None
+
+
+async def get_all_price_ids(provider: str = None) -> dict[str, str]:
+    """Load all price IDs for a provider as a {key: price_id} dict."""
+    provider = provider or config.PAYMENT_PROVIDER
+    rows = await fetch_all(
+        "SELECT key, provider_price_id FROM payment_products WHERE provider = ?",
+        (provider,),
+    )
+    return {r["key"]: r["provider_price_id"] for r in rows}
+
+
 async def get_paddle_price(key: str) -> str | None:
-    """Look up a Paddle price ID by product key from the paddle_products table."""
+    """Deprecated: use get_price_id(). Falls back to paddle_products for pre-migration DBs."""
+    result = await get_price_id(key, provider="paddle")
+    if result:
+        return result
+    # Fallback to old table if payment_products not yet populated
     row = await fetch_one("SELECT paddle_price_id FROM paddle_products WHERE key = ?", (key,))
     return row["paddle_price_id"] if row else None
 
 
 async def get_all_paddle_prices() -> dict[str, str]:
-    """Load all Paddle price IDs as a {key: price_id} dict."""
-    rows = await fetch_all("SELECT key, paddle_price_id FROM paddle_products")
-    return {r["key"]: r["paddle_price_id"] for r in rows}
+    """Deprecated: use get_all_price_ids()."""
+    return await get_all_price_ids(provider="paddle")
 
 
 # =============================================================================

web/src/padelnomics/migrations/versions/0028_generalize_payment_products.py

@@ -0,0 +1,33 @@
+"""Migration 0028: Generalize paddle_products → payment_products.
+
+New table supports multiple payment providers (paddle, stripe).
+Existing paddle_products rows are copied with provider='paddle'.
+The old paddle_products table is kept (no drop) for backwards compatibility.
+"""
+
+
+def up(conn) -> None:
+    conn.execute("""
+        CREATE TABLE IF NOT EXISTS payment_products (
+            id                  INTEGER PRIMARY KEY AUTOINCREMENT,
+            provider            TEXT NOT NULL,
+            key                 TEXT NOT NULL,
+            provider_product_id TEXT NOT NULL,
+            provider_price_id   TEXT NOT NULL,
+            name                TEXT NOT NULL,
+            price_cents         INTEGER NOT NULL,
+            currency            TEXT NOT NULL DEFAULT 'EUR',
+            billing_type        TEXT NOT NULL,
+            created_at          TEXT NOT NULL DEFAULT (datetime('now')),
+            UNIQUE(provider, key)
+        )
+    """)
+
+    # Copy existing paddle_products rows
+    conn.execute("""
+        INSERT OR IGNORE INTO payment_products
+            (provider, key, provider_product_id, provider_price_id, name, price_cents, currency, billing_type, created_at)
+        SELECT
+            'paddle', key, paddle_product_id, paddle_price_id, name, price_cents, currency, billing_type, created_at
+        FROM paddle_products
+    """)

web/src/padelnomics/planner/routes.py

@@ -18,7 +18,7 @@ from ..core import (
     feature_gate,
     fetch_all,
     fetch_one,
-    get_paddle_price,
+    get_price_id,
     utcnow_iso,
 )
 from ..i18n import get_translations
@@ -687,7 +687,9 @@ async def export_details():
 @login_required
 @csrf_protect
 async def export_checkout():
-    """Return JSON for Paddle.js overlay checkout for business plan PDF."""
+    """Return checkout JSON for business plan PDF (works with Paddle overlay or Stripe redirect)."""
+    from ..billing.routes import _provider
+
     form = await request.form
     scenario_id = form.get("scenario_id")
     language = form.get("language", "en")
@@ -703,23 +705,20 @@ async def export_checkout():
     if not scenario:
         return jsonify({"error": "Scenario not found."}), 404
 
-    price_id = await get_paddle_price("business_plan")
+    price_id = await get_price_id("business_plan")
     if not price_id:
         return jsonify({"error": "Product not configured. Contact support."}), 500
 
-    return jsonify(
-        {
-            "items": [{"priceId": price_id, "quantity": 1}],
-            "customData": {
-                "user_id": str(g.user["id"]),
-                "scenario_id": str(scenario_id),
-                "language": language,
-            },
-            "settings": {
-                "successUrl": f"{config.BASE_URL}/planner/export/success",
-            },
-        }
+    payload = _provider().build_checkout_payload(
+        price_id=price_id,
+        custom_data={
+            "user_id": str(g.user["id"]),
+            "scenario_id": str(scenario_id),
+            "language": language,
+        },
+        success_url=f"{config.BASE_URL}/planner/export/success",
     )
+    return jsonify(payload)
 
 
 @bp.route("/export/success")

web/src/padelnomics/planner/templates/export.html

@@ -1,6 +1,6 @@
 {% extends "base.html" %}
 {% block title %}{{ t.export_title }} - {{ config.APP_NAME }}{% endblock %}
-{% block paddle %}{% include "_paddle.html" %}{% endblock %}
+{% block paddle %}{% include "_payment_js.html" %}{% endblock %}
 
 {% block head %}
 <style>
@@ -133,11 +133,7 @@ document.getElementById('export-form').addEventListener('submit', async function
       btn.textContent = '{{ t.export_btn }}';
       return;
     }
-    Paddle.Checkout.open({
-      items: data.items,
-      customData: data.customData,
-      settings: data.settings,
-    });
+    startCheckout(data);
     btn.disabled = false;
     btn.textContent = '{{ t.export_btn }}';
   } catch (err) {

web/src/padelnomics/scripts/setup_stripe.py

@@ -0,0 +1,247 @@
+"""
+Create or sync Stripe products, prices, and webhook endpoint.
+
+Prerequisites:
+    - Enable Stripe Tax in your Stripe Dashboard (Settings → Tax)
+    - Set STRIPE_SECRET_KEY in .env
+
+Commands:
+    uv run python -m padelnomics.scripts.setup_stripe          # create products + webhook
+    uv run python -m padelnomics.scripts.setup_stripe --sync   # re-populate DB from existing Stripe products
+"""
+
+import logging
+import os
+import re
+import sqlite3
+import sys
+from pathlib import Path
+
+import stripe
+from dotenv import load_dotenv
+
+logger = logging.getLogger(__name__)
+
+load_dotenv()
+
+STRIPE_SECRET_KEY = os.getenv("STRIPE_SECRET_KEY", "")
+DATABASE_PATH = os.getenv("DATABASE_PATH", "data/app.db")
+BASE_URL = os.getenv("BASE_URL", "http://localhost:5000")
+
+if not STRIPE_SECRET_KEY:
+    logging.basicConfig(level=logging.INFO, format="%(levelname)-8s %(message)s")
+    logger.error("Set STRIPE_SECRET_KEY in .env first")
+    sys.exit(1)
+
+stripe.api_key = STRIPE_SECRET_KEY
+stripe.max_network_retries = 2
+
+# Product definitions — same keys as setup_paddle.py.
+# Prices in EUR cents, matching Paddle exactly.
+PRODUCTS = [
+    # Supplier Growth
+    {
+        "key": "supplier_growth",
+        "name": "Supplier Growth",
+        "price": 19900,
+        "currency": "eur",
+        "interval": "month",
+        "billing_type": "subscription",
+    },
+    {
+        "key": "supplier_growth_yearly",
+        "name": "Supplier Growth (Yearly)",
+        "price": 179900,
+        "currency": "eur",
+        "interval": "year",
+        "billing_type": "subscription",
+    },
+    # Supplier Pro
+    {
+        "key": "supplier_pro",
+        "name": "Supplier Pro",
+        "price": 49900,
+        "currency": "eur",
+        "interval": "month",
+        "billing_type": "subscription",
+    },
+    {
+        "key": "supplier_pro_yearly",
+        "name": "Supplier Pro (Yearly)",
+        "price": 449900,
+        "currency": "eur",
+        "interval": "year",
+        "billing_type": "subscription",
+    },
+    # Boost add-ons (subscriptions)
+    {"key": "boost_logo", "name": "Boost: Logo", "price": 2900, "currency": "eur", "interval": "month", "billing_type": "subscription"},
+    {"key": "boost_highlight", "name": "Boost: Highlight", "price": 3900, "currency": "eur", "interval": "month", "billing_type": "subscription"},
+    {"key": "boost_verified", "name": "Boost: Verified Badge", "price": 4900, "currency": "eur", "interval": "month", "billing_type": "subscription"},
+    {"key": "boost_card_color", "name": "Boost: Custom Card Color", "price": 5900, "currency": "eur", "interval": "month", "billing_type": "subscription"},
+    # One-time boosts
+    {"key": "boost_sticky_week", "name": "Boost: Sticky Top 1 Week", "price": 7900, "currency": "eur", "billing_type": "one_time"},
+    {"key": "boost_sticky_month", "name": "Boost: Sticky Top 1 Month", "price": 19900, "currency": "eur", "billing_type": "one_time"},
+    # Credit packs
+    {"key": "credits_25", "name": "Credit Pack 25", "price": 9900, "currency": "eur", "billing_type": "one_time"},
+    {"key": "credits_50", "name": "Credit Pack 50", "price": 17900, "currency": "eur", "billing_type": "one_time"},
+    {"key": "credits_100", "name": "Credit Pack 100", "price": 32900, "currency": "eur", "billing_type": "one_time"},
+    {"key": "credits_250", "name": "Credit Pack 250", "price": 74900, "currency": "eur", "billing_type": "one_time"},
+    # PDF product
+    {"key": "business_plan", "name": "Padel Business Plan (PDF)", "price": 14900, "currency": "eur", "billing_type": "one_time"},
+    # Planner subscriptions
+    {"key": "starter", "name": "Planner Starter", "price": 1900, "currency": "eur", "interval": "month", "billing_type": "subscription"},
+    {"key": "pro", "name": "Planner Pro", "price": 4900, "currency": "eur", "interval": "month", "billing_type": "subscription"},
+]
+
+_PRODUCT_BY_NAME = {p["name"]: p for p in PRODUCTS}
+
+
+def _open_db():
+    db_path = DATABASE_PATH
+    if not Path(db_path).exists():
+        logger.error("Database not found at %s. Run migrations first.", db_path)
+        sys.exit(1)
+    conn = sqlite3.connect(db_path)
+    conn.execute("PRAGMA journal_mode=WAL")
+    conn.execute("PRAGMA foreign_keys=ON")
+    return conn
+
+
+def _write_product(conn, key, product_id, price_id, name, price_cents, billing_type):
+    conn.execute(
+        """INSERT OR REPLACE INTO payment_products
+           (provider, key, provider_product_id, provider_price_id, name, price_cents, currency, billing_type)
+           VALUES (?, ?, ?, ?, ?, ?, ?, ?)""",
+        ("stripe", key, product_id, price_id, name, price_cents, "EUR", billing_type),
+    )
+
+
+def sync(conn):
+    """Fetch existing Stripe products and re-populate payment_products table."""
+    logger.info("Syncing products from Stripe...")
+
+    # Fetch all products (auto-paginated, max 100 per page)
+    products = stripe.Product.list(limit=100, active=True)
+    matched = 0
+
+    for product in products.auto_paging_iter():
+        spec = _PRODUCT_BY_NAME.get(product.name)
+        if not spec:
+            continue
+
+        # Get the first active price for this product
+        prices = stripe.Price.list(product=product.id, active=True, limit=1)
+        if not prices.data:
+            logger.warning("  SKIP %s: no active prices on %s", spec["key"], product.id)
+            continue
+
+        price = prices.data[0]
+        _write_product(
+            conn, spec["key"], product.id, price.id,
+            spec["name"], spec["price"], spec["billing_type"],
+        )
+        matched += 1
+        logger.info("  %s: %s / %s", spec["key"], product.id, price.id)
+
+    conn.commit()
+
+    if matched == 0:
+        logger.warning("No matching products found in Stripe. Run without --sync first.")
+    else:
+        logger.info("%s/%s products synced to DB", matched, len(PRODUCTS))
+
+
+def create(conn):
+    """Create new products and prices in Stripe, write to DB, set up webhook."""
+    logger.info("Creating products in Stripe...")
+
+    for spec in PRODUCTS:
+        product = stripe.Product.create(
+            name=spec["name"],
+            tax_code="txcd_10000000",  # General — Tangible Goods (Stripe default)
+        )
+        logger.info("  Product: %s -> %s", spec["name"], product.id)
+
+        price_params = {
+            "product": product.id,
+            "unit_amount": spec["price"],
+            "currency": spec["currency"],
+            "tax_behavior": "exclusive",  # Price + tax on top (EU standard)
+        }
+
+        if spec["billing_type"] == "subscription":
+            interval = spec.get("interval", "month")
+            price_params["recurring"] = {"interval": interval}
+
+        price = stripe.Price.create(**price_params)
+        logger.info("  Price:   %s = %s", spec["key"], price.id)
+
+        _write_product(
+            conn, spec["key"], product.id, price.id,
+            spec["name"], spec["price"], spec["billing_type"],
+        )
+
+    conn.commit()
+    logger.info("All products written to DB")
+
+    # -- Webhook endpoint -------------------------------------------------------
+
+    webhook_url = f"{BASE_URL}/billing/webhook/stripe"
+    enabled_events = [
+        "checkout.session.completed",
+        "customer.subscription.updated",
+        "customer.subscription.deleted",
+        "invoice.payment_failed",
+    ]
+
+    logger.info("Creating webhook endpoint...")
+    logger.info("  URL: %s", webhook_url)
+
+    endpoint = stripe.WebhookEndpoint.create(
+        url=webhook_url,
+        enabled_events=enabled_events,
+    )
+
+    webhook_secret = endpoint.secret
+    logger.info("  ID:     %s", endpoint.id)
+    logger.info("  Secret: %s", webhook_secret)
+
+    env_path = Path(".env")
+    env_vars = {
+        "STRIPE_WEBHOOK_SECRET": webhook_secret,
+        "STRIPE_WEBHOOK_ENDPOINT_ID": endpoint.id,
+    }
+    if env_path.exists():
+        env_text = env_path.read_text()
+        for key, value in env_vars.items():
+            pattern = rf"^{key}=.*$"
+            replacement = f"{key}={value}"
+            if re.search(pattern, env_text, flags=re.MULTILINE):
+                env_text = re.sub(pattern, replacement, env_text, flags=re.MULTILINE)
+            else:
+                env_text = env_text.rstrip("\n") + f"\n{replacement}\n"
+        env_path.write_text(env_text)
+        logger.info("STRIPE_WEBHOOK_SECRET and STRIPE_WEBHOOK_ENDPOINT_ID written to .env")
+    else:
+        logger.info("Add to .env:")
+        for key, value in env_vars.items():
+            logger.info("  %s=%s", key, value)
+
+    logger.info("Done. Remember to enable Stripe Tax in your Dashboard (Settings > Tax).")
+
+
+def main():
+    conn = _open_db()
+
+    try:
+        if "--sync" in sys.argv:
+            sync(conn)
+        else:
+            create(conn)
+    finally:
+        conn.close()
+
+
+if __name__ == "__main__":
+    logging.basicConfig(level=logging.INFO, format="%(levelname)-8s %(message)s")
+    main()

web/src/padelnomics/suppliers/routes.py

@@ -17,7 +17,8 @@ from ..core import (
     feature_gate,
     fetch_all,
     fetch_one,
-    get_paddle_price,
+    get_all_price_ids,
+    get_price_id,
     is_flag_enabled,
 )
 from ..i18n import get_translations
@@ -383,7 +384,9 @@ def _compute_order(data: dict, included_boosts: list, t: dict) -> dict:
 @bp.route("/signup/checkout", methods=["POST"])
 @csrf_protect
 async def signup_checkout():
-    """Validate form, return JSON for Paddle.js overlay checkout."""
+    """Validate form, return checkout JSON (Paddle overlay or Stripe redirect)."""
+    from ..billing.routes import _provider
+
     form = await request.form
     accumulated = _parse_accumulated(form)
 
@@ -401,9 +404,9 @@ async def signup_checkout():
         if period == "yearly"
         else plan_info.get("paddle_key_monthly", plan)
     )
-    plan_price_id = await get_paddle_price(price_key)
+    plan_price_id = await get_price_id(price_key)
     if not plan_price_id:
-        return jsonify({"error": "Invalid plan selected. Run setup_paddle first."}), 400
+        return jsonify({"error": "Invalid plan selected. Run setup first."}), 400
 
     # Build items list
     items = [{"priceId": plan_price_id, "quantity": 1}]
@@ -416,14 +419,14 @@ async def signup_checkout():
 
     for b in BOOST_OPTIONS:
         if b["type"] in selected_boosts and b["type"] not in included_boosts:
-            price_id = await get_paddle_price(b["key"])
+            price_id = await get_price_id(b["key"])
             if price_id:
                 items.append({"priceId": price_id, "quantity": 1})
 
     # Add credit pack (one-time)
     credit_pack = accumulated.get("credit_pack", "")
     if credit_pack:
-        price_id = await get_paddle_price(credit_pack)
+        price_id = await get_price_id(credit_pack)
         if price_id:
             items.append({"priceId": price_id, "quantity": 1})
 
@@ -477,15 +480,12 @@ async def signup_checkout():
         "plan": plan,
     }
 
-    return jsonify(
-        {
-            "items": items,
-            "customData": custom_data,
-            "settings": {
-                "successUrl": f"{config.BASE_URL}/suppliers/signup/success",
-            },
-        }
+    payload = _provider().build_multi_item_checkout_payload(
+        items=items,
+        custom_data=custom_data,
+        success_url=f"{config.BASE_URL}/suppliers/signup/success",
     )
+    return jsonify(payload)
 
 
 @bp.route("/claim/<slug>")
@@ -1035,12 +1035,8 @@ async def dashboard_boosts():
         (supplier["id"],),
     )
 
-    # Resolve Paddle price IDs for buy buttons
-    price_ids = {}
-    for b in BOOST_OPTIONS:
-        price_ids[b["key"]] = await get_paddle_price(b["key"])
-    for cp in CREDIT_PACK_OPTIONS:
-        price_ids[cp["key"]] = await get_paddle_price(cp["key"])
+    # Resolve price IDs for buy buttons (from active provider)
+    price_ids = await get_all_price_ids()
 
     return await render_template(
         "suppliers/partials/dashboard_boosts.html",

web/src/padelnomics/suppliers/templates/suppliers/dashboard.html

@@ -1,6 +1,6 @@
 {% extends "base.html" %}
 {% block title %}{{ t.sd_page_title }} - {{ config.APP_NAME }}{% endblock %}
-{% block paddle %}{% include "_paddle.html" %}{% endblock %}
+{% block paddle %}{% include "_payment_js.html" %}{% endblock %}
 
 {% block head %}
 <style>

web/src/padelnomics/suppliers/templates/suppliers/partials/dashboard_boosts.html

@@ -102,7 +102,7 @@
           <div class="bst-boost__price">&euro;{{ b.price }}/mo</div>
           {% if price_ids.get(b.key) %}
           <button type="button" class="bst-buy-btn"
-            onclick="Paddle.Checkout.open({items:[{priceId:'{{ price_ids[b.key] }}',quantity:1}],customData:{supplier_id:'{{ supplier.id }}'}})">
+            onclick="buyItem('{{ b.key }}', {supplier_id:'{{ supplier.id }}'}, this)">
             {{ t.sd_bst_activate }}
           </button>
           {% else %}
@@ -125,7 +125,7 @@
           <div class="bst-credit-card__price">&euro;{{ cp.price }}</div>
           {% if price_ids.get(cp.key) %}
           <button type="button" class="bst-buy-btn"
-            onclick="Paddle.Checkout.open({items:[{priceId:'{{ price_ids[cp.key] }}',quantity:1}],customData:{supplier_id:'{{ supplier.id }}'}})">
+            onclick="buyItem('{{ cp.key }}', {supplier_id:'{{ supplier.id }}'}, this)">
             {{ t.sd_bst_buy }}
           </button>
           {% else %}
@@ -160,3 +160,27 @@
     </div>
   </div>
 </div>
+
+<script>
+function buyItem(priceKey, customData, btn) {
+  var label = btn.textContent;
+  btn.disabled = true;
+  btn.textContent = '...';
+  fetch('/billing/checkout/item', {
+    method: 'POST',
+    headers: {'Content-Type': 'application/json'},
+    body: JSON.stringify({price_key: priceKey, custom_data: customData}),
+  })
+  .then(function(r) { return r.json(); })
+  .then(function(data) {
+    if (data.error) { alert(data.error); }
+    else { startCheckout(data); }
+    btn.disabled = false;
+    btn.textContent = label;
+  })
+  .catch(function() {
+    btn.disabled = false;
+    btn.textContent = label;
+  });
+}
+</script>

web/src/padelnomics/suppliers/templates/suppliers/partials/signup_step_4.html

@@ -124,11 +124,7 @@
             btn.textContent = {{ t.sup_step4_checkout | tojson }};
             return;
           }
-          Paddle.Checkout.open({
-            items: result.data.items,
-            customData: result.data.customData,
-            settings: result.data.settings
-          });
+          startCheckout(result.data);
           btn.disabled = false;
           btn.textContent = {{ t.sup_step4_checkout | tojson }};
         })

web/src/padelnomics/suppliers/templates/suppliers/signup.html

@@ -1,6 +1,6 @@
 {% extends "base.html" %}
 {% block title %}{{ t.sup_signup_page_title }} - {{ config.APP_NAME }}{% endblock %}
-{% block paddle %}{% include "_paddle.html" %}{% endblock %}
+{% block paddle %}{% include "_payment_js.html" %}{% endblock %}
 
 {% block head %}
 <style>

web/src/padelnomics/templates/_payment_js.html

@@ -0,0 +1,51 @@
+{# Payment JS — conditionally loads provider SDK on checkout pages.
+   Include via {% block paddle %}{% include "_payment_js.html" %}{% endblock %}
+   Paddle: loads Paddle.js SDK + initializes overlay checkout.
+   Stripe: no SDK needed (server-side Checkout Session + redirect). #}
+
+{% if config.PAYMENT_PROVIDER == "paddle" %}
+<script defer src="https://cdn.paddle.com/paddle/v2/paddle.js"></script>
+<script>
+  document.addEventListener('DOMContentLoaded', function() {
+    {% if config.PADDLE_ENVIRONMENT == "sandbox" %}
+    Paddle.Environment.set("sandbox");
+    {% endif %}
+    {% if config.PADDLE_CLIENT_TOKEN %}
+    Paddle.Initialize({
+      token: "{{ config.PADDLE_CLIENT_TOKEN }}",
+      eventCallback: function(ev) {
+        if (ev.name === "checkout.error") console.error("Paddle checkout error:", ev.data);
+      },
+      checkout: {
+        settings: {
+          displayMode: "overlay",
+          theme: "light",
+          locale: "en",
+        }
+      }
+    });
+    {% else %}
+    console.warn("Paddle: PADDLE_CLIENT_TOKEN not configured");
+    {% endif %}
+  });
+</script>
+{% endif %}
+
+<script>
+/**
+ * startCheckout — dual-path checkout handler.
+ * Paddle: opens overlay with items/customData/settings from response JSON.
+ * Stripe: redirects to checkout_url from response JSON.
+ */
+function startCheckout(data) {
+  if (data.checkout_url) {
+    window.location.href = data.checkout_url;
+  } else if (data.items) {
+    Paddle.Checkout.open({
+      items: data.items,
+      customData: data.customData,
+      settings: data.settings,
+    });
+  }
+}
+</script>

web/tests/test_billing_routes.py

@@ -1,6 +1,7 @@
 """
-Route integration tests for Paddle billing endpoints.
-Checkout uses Paddle.js overlay (returns JSON), manage/cancel use Paddle SDK.
+Route integration tests for billing endpoints.
+Tests work with the default provider (Paddle) via dispatch layer.
+Checkout returns JSON (Paddle overlay or Stripe redirect URL), manage/cancel use provider SDK.
 """
 from unittest.mock import MagicMock, patch
 
@@ -39,7 +40,24 @@ class TestSuccessPage:
 
 
 # ════════════════════════════════════════════════════════════
-# Checkout (Paddle.js overlay — returns JSON)
+# Helper: insert a product into both payment_products and paddle_products
+# ════════════════════════════════════════════════════════════
+
+async def _insert_test_product(db, key="starter", price_id="pri_starter_123"):
+    """Insert a test product into payment_products (used by get_price_id) and paddle_products (legacy fallback)."""
+    await db.execute(
+        "INSERT INTO payment_products (provider, key, provider_product_id, provider_price_id, name, price_cents, currency, billing_type) VALUES (?, ?, ?, ?, ?, ?, ?, ?)",
+        ("paddle", key, "pro_test", price_id, "Starter", 1900, "EUR", "subscription"),
+    )
+    await db.execute(
+        "INSERT INTO paddle_products (key, paddle_product_id, paddle_price_id, name, price_cents, currency, billing_type) VALUES (?, ?, ?, ?, ?, ?, ?)",
+        (key, "pro_test", price_id, "Starter", 1900, "EUR", "subscription"),
+    )
+    await db.commit()
+
+
+# ════════════════════════════════════════════════════════════
+# Checkout (returns JSON — Paddle overlay or Stripe redirect)
 # ════════════════════════════════════════════════════════════
 
 class TestCheckoutRoute:
@@ -48,12 +66,7 @@ class TestCheckoutRoute:
         assert response.status_code in (302, 303, 307)
 
     async def test_returns_checkout_json(self, auth_client, db, test_user):
-        # Insert a paddle_products row so get_paddle_price() finds it
-        await db.execute(
-            "INSERT INTO paddle_products (key, paddle_product_id, paddle_price_id, name, price_cents, currency, billing_type) VALUES (?, ?, ?, ?, ?, ?, ?)",
-            ("starter", "pro_test", "pri_starter_123", "Starter", 1900, "EUR", "subscription"),
-        )
-        await db.commit()
+        await _insert_test_product(db)
 
         response = await auth_client.post(f"/billing/checkout/{CHECKOUT_PLAN}")
         assert response.status_code == 200
@@ -89,7 +102,7 @@ class TestManageRoute:
         mock_client = MagicMock()
         mock_client.subscriptions.get.return_value = mock_sub
 
-        with patch("padelnomics.billing.routes._paddle_client", return_value=mock_client):
+        with patch("padelnomics.billing.paddle._paddle_client", return_value=mock_client):
             response = await auth_client.post("/billing/manage", follow_redirects=False)
         assert response.status_code in (302, 303, 307)
 
@@ -111,12 +124,27 @@ class TestCancelRoute:
         await create_subscription(test_user["id"], provider_subscription_id="sub_test")
 
         mock_client = MagicMock()
-        with patch("padelnomics.billing.routes._paddle_client", return_value=mock_client):
+        with patch("padelnomics.billing.paddle._paddle_client", return_value=mock_client):
             response = await auth_client.post("/billing/cancel", follow_redirects=False)
         assert response.status_code in (302, 303, 307)
         mock_client.subscriptions.cancel.assert_called_once()
 
 
+# ════════════════════════════════════════════════════════════
+# Stripe webhook returns 404 when not configured
+# ════════════════════════════════════════════════════════════
+
+class TestStripeWebhookEndpoint:
+    async def test_returns_404_when_not_configured(self, client, db):
+        """Stripe webhook returns 404 when STRIPE_WEBHOOK_SECRET is empty."""
+        response = await client.post(
+            "/billing/webhook/stripe",
+            data=b'{}',
+            headers={"Content-Type": "application/json"},
+        )
+        assert response.status_code == 404
+
+
 # ════════════════════════════════════════════════════════════
 # subscription_required decorator
 # ════════════════════════════════════════════════════════════