SPIKE: how do vendors accept payments in Gambit's current state? (deeplink/QR vs Tap to Pay entitlement vs Terminal) #705

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opened 2026-09-15 05:22:57 +00:00 by gambit-admin · 1 comment
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Child of #702. Decide how a vendor physically takes a payment into their own connected account, given Gambit is an Expo mobile + Next.js web app and we do NOT yet hold Apple's Tap to Pay entitlement.

Options to evaluate

  1. Checkout / Payment Link deeplink + QR (card-not-present). Backend creates a Checkout Session / Payment Link ON the connected account (direct charge + application_fee_amount); the app shows a QR / deeplink the buyer scans and pays on their own phone. Works TODAY — no Apple entitlement, no hardware. CNP pricing. This is the "maybe deeplinks?" path — likely the fastest near-term win.
  2. Tap to Pay on iPhone (card-present). Stripe Terminal SDK + Apple entitlement com.apple.developer.proximity-reader.payment.acceptance — the blocker Kris named. Best in-person UX + CP rates, but needs a native module, an EAS build, and Apple approval (weeks). Action: file the entitlement request in parallel and track it.
  3. Stripe Terminal hardware reader (card-present). BBPOS WisePad / Stripe Reader S700 over Bluetooth/USB. CP rates, no Apple entitlement, but hardware cost + logistics.
  4. Parallel track — iPOSpays/Dejavoo deeplink (#588). A DIFFERENT processor; card-present via deeplink to the iPOSgo app. Decide whether Stripe acceptance and iPOSpays coexist (Stripe online/QR + iPOSpays in-person?) or one wins.

Deliverable: a short recommendation + a thin prototype of the leading option. Seed recommendation: ship option 1 (QR/deeplink Checkout on the connected account) now for immediate acceptance, and pursue the Apple entitlement for option 2 in parallel. Fee note: option 1 is CNP-priced; weigh against CP for high-ticket in-person sales.


Filed from a Claude Code session

Child of #702. Decide how a vendor physically takes a payment into their own connected account, given Gambit is an Expo mobile + Next.js web app and we do NOT yet hold Apple's Tap to Pay entitlement. **Options to evaluate** 1. **Checkout / Payment Link deeplink + QR (card-not-present).** Backend creates a Checkout Session / Payment Link ON the connected account (direct charge + `application_fee_amount`); the app shows a QR / deeplink the **buyer** scans and pays on their own phone. Works TODAY — no Apple entitlement, no hardware. CNP pricing. This is the "maybe deeplinks?" path — likely the fastest near-term win. 2. **Tap to Pay on iPhone (card-present).** Stripe Terminal SDK + Apple entitlement `com.apple.developer.proximity-reader.payment.acceptance` — **the blocker Kris named**. Best in-person UX + CP rates, but needs a native module, an EAS build, and Apple approval (weeks). Action: file the entitlement request in parallel and track it. 3. **Stripe Terminal hardware reader (card-present).** BBPOS WisePad / Stripe Reader S700 over Bluetooth/USB. CP rates, no Apple entitlement, but hardware cost + logistics. 4. **Parallel track — iPOSpays/Dejavoo deeplink (#588).** A DIFFERENT processor; card-present via deeplink to the iPOSgo app. Decide whether Stripe acceptance and iPOSpays coexist (Stripe online/QR + iPOSpays in-person?) or one wins. **Deliverable:** a short recommendation + a thin prototype of the leading option. Seed recommendation: ship option 1 (QR/deeplink Checkout on the connected account) now for immediate acceptance, and pursue the Apple entitlement for option 2 in parallel. Fee note: option 1 is CNP-priced; weigh against CP for high-ticket in-person sales. --- Filed from a Claude Code session
gambit-admin added the featurehardware labels 2026-09-15 05:22:57 +00:00
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Resolved during scoping for #703: went with Checkout Session redirect on the vendor's own device (buyer completes payment in an in-app browser, Stripe redirects back into Gambit) as the primary path — no Apple Tap-to-Pay entitlement, no native module, no EAS build needed. A Stripe Terminal PaymentIntent + ConnectionToken path was also built for a vendor with a paired Bluetooth reader, as the card-present alternative. Both ship in PR #472 (Gambit-Inc/gambit#472). QR-to-a-second-device and native on-device Tap to Pay are both out of scope now — closing this out.

Resolved during scoping for #703: went with Checkout Session redirect on the vendor's own device (buyer completes payment in an in-app browser, Stripe redirects back into Gambit) as the primary path — no Apple Tap-to-Pay entitlement, no native module, no EAS build needed. A Stripe Terminal PaymentIntent + ConnectionToken path was also built for a vendor with a paired Bluetooth reader, as the card-present alternative. Both ship in PR #472 (Gambit-Inc/gambit#472). QR-to-a-second-device and native on-device Tap to Pay are both out of scope now — closing this out.
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