# Payment Integration Guide

## Supported Gateways
- Stripe (cards, Apple Pay)
- PayPal (PayPal balance, cards)
- Google Pay

## Currency
Default is USD. All seller payouts are in USD. Buyers see converted prices at checkout via gateway adaptive pricing.

## Stripe Setup
1. Create a Stripe account
2. Add `STRIPE_SECRET_KEY` and `STRIPE_PUBLIC_KEY` to `.env`
3. Configure webhook endpoint: `/api/payments/webhooks/stripe`
4. Set `STRIPE_WEBHOOK_SECRET`

## PayPal Setup
1. Create a PayPal business app
2. Add `PAYPAL_CLIENT_ID` and `PAYPAL_CLIENT_SECRET` to `.env`
3. Configure webhook endpoint: `/api/payments/webhooks/paypal`

## Gift Cards
Platform-issued gift cards are stored in the `gift_cards` table. Redemption deducts balance at checkout before charging the payment gateway.

## Payouts
Sellers receive payouts via Stripe Connect or PayPal Payouts. Payouts are processed weekly or on-demand.