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Jeannin"},"license":"MIT","homepage":"https://github.com/arnaudjnn/billing-tools#readme","keywords":["stripe","workos","billing","payments","auth","api-keys","mcp","auth.md","mpp","ai-agents","agentic-commerce","subscriptions","saas","usage-based-billing"],"repository":{"url":"git+https://github.com/arnaudjnn/billing-tools.git","type":"git"},"description":"The get-paid engine for Stripe + WorkOS apps, for humans and AI agents. Drop-in API-key auth, credit + subscription billing, auth.md agent registration, and MPP machine payments, as MCP tools, a REST API, and a CLI. Framework-agnostic, storage-pluggable.","maintainers":[{"name":"arnaudjnn","email":"arnaudjeannin@outlook.com"}],"readme":"<p align=\"center\">\n  <img src=\"https://raw.githubusercontent.com/arnaudjnn/billing-tools/main/assets/hero.svg\" alt=\"Billing Tools, the get-paid engine for Stripe + WorkOS apps, for humans and AI agents\" width=\"100%\">\n</p>\n\n<p align=\"center\">\n  <b>Drop-in auth + billing for any Stripe&nbsp;+&nbsp;WorkOS app, usable by humans <i>and</i> AI agents,</b><br/>\n  exposed as <b>MCP tools</b>, a <b>REST API</b>, and a <b>CLI</b>, over one storage-agnostic engine.\n</p>\n\n<p align=\"center\">\n  <a href=\"https://www.npmjs.com/package/@arnaudjnn/billing-tools\"><img alt=\"npm version\" src=\"https://img.shields.io/npm/v/@arnaudjnn/billing-tools?color=635BFF&label=npm\"></a>\n  <a href=\"https://www.npmjs.com/package/@arnaudjnn/billing-tools\"><img alt=\"npm downloads\" src=\"https://img.shields.io/npm/dm/@arnaudjnn/billing-tools?color=8A8A9A\"></a>\n  <img alt=\"License: MIT\" src=\"https://img.shields.io/badge/License-MIT-635BFF.svg\">\n  <img alt=\"TypeScript\" src=\"https://img.shields.io/badge/TypeScript-strict-3178C6.svg\">\n  <img alt=\"Stripe\" src=\"https://img.shields.io/badge/Stripe-635BFF.svg\">\n  <img alt=\"WorkOS\" src=\"https://img.shields.io/badge/WorkOS-000000.svg\">\n  <img alt=\"MCP compatible\" src=\"https://img.shields.io/badge/MCP-compatible-16a34a.svg\">\n  <img alt=\"Framework agnostic\" src=\"https://img.shields.io/badge/framework-agnostic-8A8A9A.svg\">\n  <a href=\"https://github.com/arnaudjnn/billing-tools/actions/workflows/test.yml\"><img alt=\"Tests\" src=\"https://github.com/arnaudjnn/billing-tools/actions/workflows/test.yml/badge.svg\"></a>\n  <img alt=\"PRs welcome\" src=\"https://img.shields.io/badge/PRs-welcome-brightgreen.svg\">\n</p>\n\n---\n\n**Billing Tools** packages the \"get money in\" plumbing you'd otherwise rebuild in every SaaS: API-key auth on top of **WorkOS**, credit + subscription billing on top of **Stripe**, and (because the next wave of customers is autonomous) first-class **agent** rails: [`auth.md`](https://workos.com/auth-md) self-registration and [`MPP`](https://mpp.dev/) machine payments. Wire it once; serve humans through a browser and agents through headless HTTP with the same engine. Storage is pluggable behind one small adapter (use the built-in WorkOS store, or mirror into your own Postgres).\n\n## Table of contents\n\n- [Ship tools, not billing plumbing](#ship-tools-not-billing-plumbing)\n- [Key Features](#key-features)\n- [Getting Started](#getting-started)\n- [From sandbox to production](#from-sandbox-to-production)\n- [Pricing examples](#pricing-examples)\n- [How it works](#how-it-works)\n- [Agent auth (auth.md)](#agent-auth-authmd)\n- [Machine payments (MPP)](#machine-payments-mpp)\n- [MCP OAuth proxy (dynamic clients)](#mcp-oauth-proxy-dynamic-clients)\n- [CLI](#cli)\n- [Configuration](#configuration)\n- [Roadmap](#roadmap)\n- [Contributing](#contributing)\n- [License](#license)\n\n## Ship tools, not billing plumbing\n\nThe next generation of software is **agents**, and an agent is only as useful as the **tools** it can call. Tools *are* the product now.\n\nBut you don't go to war naked. Ship a tool into the wild with no auth and no way to get paid, and you're just donating GPU time to strangers. Someone still has to meter every call, hold a balance, bill the workspace, enforce seats, and cut off the freeloaders: the boring, identical, get-it-wrong-once-and-bleed-money layer that *every* AI product rebuilds from scratch.\n\n**Billing Tools is the armor.** Bring a Stripe + WorkOS stack and you inherit, out of the box, the exact monetization model the frontier labs run on. The same shape as **Anthropic, OpenAI, and xAI (Grok)**:\n\n- 💰 **A price per credit:** every tool call costs credits, metered and deducted automatically.\n- 🏢 **Workspaces:** the billable account, with one Stripe customer + balance each.\n- 👥 **Users per workspace:** seats, invitations, and roles.\n- 🪙 **Credits per user:** per-seat grants, seat limits, and auto-reload.\n\nSo you do the one thing only you can do (**build great tools**) and monetize them the same afternoon. The get-paid layer is already handled, battle-tested, and agent-ready. 🛡️\n\n## Key Features\n\n### 🔐 Auth & identity\n- 🔑 **API-key auth:** WorkOS organization API keys (`Authorization: Bearer sk_…`), validated on every request.\n- ✉️ **Passwordless magic-auth:** email a 6-digit code, get back a workspace/org + API key. No passwords.\n- 🤖 **auth.md agent self-registration:** the [WorkOS auth.md](https://workos.com/auth-md) protocol (RFC 9728 Protected-Resource-Metadata + RFC 8414 Authorization-Server-Metadata + `/agent/identity` anonymous or verified-email + the claim ceremony), so agents onboard with **no human signup**.\n- ♻️ **RFC 7009 revocation:** revoke a key by value; always-200, no token-existence leak.\n- 🎫 **Optional OAuth-JWT hook:** bring your own MCP OAuth proxy via a single adapter method.\n\n### 💳 Billing & payments\n- 🪙 **Usage-metered credit wallet:** held in the native Stripe customer credit balance (1 credit = 1¢), with idempotent credit/debit.\n- 🛒 **Checkout top-ups:** Stripe Checkout that auto-offers cards **+ Apple&nbsp;Pay / Google&nbsp;Pay / Link**.\n- 📦 **Declarative subscription plans:** describe plans in code; products/prices are **auto-provisioned in Stripe** via `lookup_key` (immutable-price safe, orphan-cleaning). Zero dashboard clicks.\n- 🎟️ **Per-seat / per-cycle credit grants + seat limits:** included credits scale with active members.\n- 🔁 **Auto-reload:** off-session saved-card recharge when the balance drops below a threshold.\n- 🧾 **Invoices + 🏛️ Customer Portal:** list invoices, and a one-call Stripe Billing Portal URL for self-serve upgrade/downgrade/cancel + card updates.\n- 🔒 **Idempotency on every money move:** welcome bonus, checkout credit, and per-cycle grants each carry a stable key, so retries/replays never double-charge.\n\n### 🤖 Built for AI agents\n- 📄 **auth.md:** the [agent onboarding standard](https://workos.com/auth-md), served for you (`/auth.md` narrative + discovery metadata).\n- 🏧 **MPP machine payments:** Stripe's [Machine Payments Protocol](https://mpp.dev/): a HTTP **402 + `WWW-Authenticate: Payment`** challenge for pay-per-request (SPT card or crypto/USDC), the payment sibling of auth.md's 401.\n- 🧰 **MCP server tools:** `get_api_key`, `get_credit_balance`, `buy_credits`, `list_plans`, `get_billing_portal`, and more, drop straight into Claude, Cursor, or any MCP client.\n- 🧭 **Discovery hints:** every 401/402 advertises `resource_metadata`, so an agent can bootstrap unattended.\n\n### 🧩 Three surfaces, one engine\n- 🛠️ **MCP:** `createMcpTransport({ register, adapter })`.\n- 🌐 **REST:** `createToolListHandler` + `createToolDispatchHandler` (429/401/400/404 mapping built in).\n- ⌨️ **CLI:** `registerBillingCommands(program, …)` gives you `auth`, `keys`, `balance`, `buy`, `invoices`.\n- 🪝 **Stripe webhook:** `createStripeWebhookHandler()` for instant checkout crediting.\n\n### 🧾 Tax, calculated here\n- 🇪🇺 **VAT/GST from code:** `sales-tax` + VIES work the rate out and it's applied as an explicit Stripe TaxRate — no per-transaction fee, no Dashboard.\n- 1️⃣ **One line, every charge:** `tax: { origin: \"IT\" }` in your config and the seat checkout, the top-up and the auto-reload invoice all carry the right rate. Reverse charge for cross-border EU B2B included.\n- 🔁 **Live re-tax:** `updateCheckoutSessionTaxRates` recalculates an open session when the customer types a different country.\n- ☑️ **Stripe Tax is opt-in:** `tax: { mode: \"stripe\" }` when you want it. Nothing infers it — with no active registration it computes 0% silently.\n\n### 🧑‍💻 Set up an environment with one command\n- 🏠 **Local payments, no tunnel:** `npx billing-tools dev` downloads the Stripe CLI if needed, forwards webhooks to localhost (no `stripe login`), and writes the session's signing secret into `.env.local`.\n- 🩺 **`npx billing-tools doctor`:** audits the environment your `STRIPE_SECRET_KEY` points at, exit-code and all, for the misconfigurations that produce no error.\n- 🚀 **`setupBilling({ config, plans, webhookUrl })`:** provisions the few things that can't be lazy (webhook endpoint + its once-only secret, tax registrations) and then runs the doctor. Idempotent — safe on every deploy.\n\n### 🔄 Zero-webhook sync\n- 📡 **Event polling:** reconcile Stripe **and** WorkOS via their Events APIs. No webhook endpoints, no signing secrets.\n- ⏱️ **Any scheduler:** run it in-process with `sync.start()` (persistent hosts) or as a serverless cron via `createSyncRoute()`.\n- 🪞 **Generic DB mirror:** shadow WorkOS orgs/users into your own tables (`createMirror`), driver-agnostic.\n- 📉 **Dunning hook:** `invoice.payment_failed` flips the org to `past_due` and fires an `onPaymentFailed` hook (Stripe Smart Retries do the retries).\n\n### 🌍 Framework and platform agnostic\n- ⚡ **Web-standard handlers:** everything returns `Request` to `Response`; mount in Next.js, Hono, Bun, Deno, or Cloudflare Workers.\n- 🧱 **No framework imports:** runtime deps are just `stripe` + `@workos-inc/node`.\n- 🗄️ **No database, at all:** usage — including per-member included allowances — is counted in Stripe. No `pg`, no Redis, no table to migrate.\n- 🔌 **Pluggable storage adapter:** WorkOS-only, or WorkOS + your DB mirror, behind one interface.\n- ☁️ **No lock-in:** runs on any Node host (Railway / Render / Fly / Vercel / self-host).\n\n### 📈 Scale, stated plainly\n\nCounting usage in Stripe means the limit is Stripe's **rate** limits, not a table's\nsize. Live, Stripe allows 100 req/s globally and **25 req/s per endpoint** — and\nevery usage window is read through the same endpoint (`listEventSummaries`), so\nthat endpoint is what binds.\n\nMeasured against a real account (`scripts/load-metering.mjs`, which counts the HTTP\nrequests the SDK actually sends), per metered call on a per-seat plan with a\ncaller-scoped limit:\n\n| caller | uncached | with `cachedUsageLedger` |\n|---|---|---|\n| member | 3.95 requests | 1.95 |\n| API key | 1.30 | 1.00 |\n\nWhich puts sustained metering in the region of **15–20 calls/second for the whole\naccount**, all customers combined — idle users cost nothing, since the limits are\nper account rather than per customer. Comfortable for most SaaS; a ceiling you\nwould hit building high-volume metering, and worth knowing before you adopt this\nrather than after.\n\nThree things keep it there, and all are on by default except the first:\n`cachedUsageLedger(ledger, { ttlMs })` (opt-in — a cached window is a stale window,\nand the gate reads through it), a plan's windows over one caller answered in a\nsingle bucketed read, and `UsageQuery.sources` skipping the leg that cannot\ncontribute. If you outgrow it, the levers are asking Stripe to raise the account\nlimit, or bringing your own `ledger` — the seam is unchanged.\n\n### ⚖️ What this deliberately does not do\n\nWorth knowing before you adopt it, rather than after.\n\n- **No per-action audit trail.** Usage is counted, not logged: a total can say a\n  member spent 412 credits this cycle, never *which* calls made it up. That is the\n  price of having no database. If you owe customers an itemised breakdown —\n  enterprise contracts often do — bring your own `ledger`; the seam is unchanged\n  and takes a store alongside.\n- **Counting degrades, it does not stop the product.** A read that cannot be\n  answered serves the last known value (or 0), and a write that cannot be delivered\n  is retried and then dropped. Both report through `onUsageFault` — **wire it**, or\n  your only signal is one line on stderr.\n- **The wallet read fails closed.** If the customer's balance cannot be read the\n  metered call is refused, because a stale balance would let someone spend what\n  they do not have. Usage windows degrade; money does not.\n- **Versioning is semantic and moves fast.** Releases are automated from\n  Conventional Commits, so anything that changes a signature or a default lands as\n  a major — several have. Pin a major range and read the changelog; the majors are\n  honest, not cosmetic.\n\n### 🏛️ Design doctrine\n- 📐 **SDK-first:** thin-wraps the Stripe & WorkOS SDKs (SDK types, pagination, typed errors, idempotency) so the lib evolves *with* the platforms instead of drifting.\n- 🎯 **One memoized client per SDK:** lazy, never constructed at import.\n- 🔒 **Secure by default:** AES-256-GCM session encryption at rest, SHA-256-hashed claim tokens, verified-domain-only internal-org checks.\n- 🧪 **Offline-testable:** the auth.md + MPP protocol surfaces are pure `Request` to `Response`, unit-testable without a live account.\n\n## Getting Started\n\nFive steps to a workspace that can be billed, and the last two are one command each.\n\n### Prerequisites\n- **Node 18+**\n- A **Stripe** secret key — test mode is fine, and it decides which environment everything below reads and writes\n- A **WorkOS** API key + client id\n\n### Install\n\n```bash\nnpm install @arnaudjnn/billing-tools\n# peers (provide the ones you use): @modelcontextprotocol/sdk mcp-handler zod\n```\n\nShips compiled `dist/`, so there's no build step or `transpilePackages` needed in the consumer.\n\n### 1. Declare what you sell\n\nThe catalogue is the input everything else is derived from: Stripe products and prices, which tools get registered, what each plan includes, and every pricing surface. Nothing here is a Dashboard click.\n\n```ts\n// plans.ts\nimport { definePlans } from \"@arnaudjnn/billing-tools/plans\";\n\nexport const PLANS = definePlans({\n  hobby: {\n    sells: { kind: \"flat\", price: { monthly: 1000, yearly: 10000 } },   // cents\n    grant: { kind: \"none\" },                    // included allowance is COUNTED, not credited\n    cap: { kind: \"pool\", credits: 1_000, onExhausted: \"wallet\" },\n    replenish: { purchase: { packs: [500, 2_000] }, autoReload: { threshold: 200, reloadTo: 2_000 } },\n    sale: \"self_serve\",                          // required, never inferred\n  },\n});\n```\n\n`grant` vs `cap` is the one distinction worth reading twice: a Stripe credit balance auto-applies to the next invoice, so crediting a plan's *own* included allowance discounts its own renewal. Include it as a `cap`; credit only what a customer buys. `checkPlansConfig` fails a plan that does both.\n\n### 2. Environment\n\nFour to set. The library reads no others.\n\n```bash\nSTRIPE_SECRET_KEY=sk_test_…\nWORKOS_API_KEY=sk_…\nWORKOS_CLIENT_ID=client_…\nREFRESH_TOKEN_SECRET=…                 # only if you mount the MCP OAuth proxy (`openssl rand -hex 32`)\n```\n\nPlus two you don't type by hand, and one optional:\n\n```bash\nSTRIPE_WEBHOOK_SECRET=whsec_…          # written by `npx billing-tools dev` locally; printed once by `billing setup` in a deployed env\nBILLING_WEBHOOK_URL=https://…          # where THIS environment's endpoint lives, read by the doctor\nINTERNAL_ORG_DOMAINS=acme.com          # optional: orgs with these verified domains are unmetered\n```\n\n**Both keys must name the same environment.** A live Stripe key beside a staging WorkOS key charges real cards against orgs and `sk_` keys in the wrong environment, and writes the mapping between them where nobody is looking. The doctor errors on it — when the WorkOS key states its environment (older `sk_test_`/`sk_live_` keys do; newer `sk_<key id>` ones carry no marker, so it stays silent rather than guessing).\n\n### 3. Wire it up (one call)\n\n`createBilling()` composes every surface from a single config — one module instance, so `runWithAuth` in the routes and `enforceAccess` inside the tools share one AsyncLocalStorage.\n\n```ts\n// billing.ts\nimport { createBilling } from \"@arnaudjnn/billing-tools\";\nimport { WorkOSOrgAdapter } from \"@arnaudjnn/billing-tools/adapters/workos-org\";\nimport { PLANS } from \"./plans\";\n\nconst billing = createBilling({\n  adapter: new WorkOSOrgAdapter(),                        // WorkOS is the source of truth\n  config: { currency: \"usd\", baseUrl: process.env.APP_URL!, tax: { origin: \"US\", mode: \"stripe\" } },\n  plans: PLANS,\n  registerTools: (server) => registerMyProductTools(server),   // your own tools, alongside the billing ones\n  agentAuth: { branding: { productName: \"Acme\" } },      // enables auth.md (optional)\n  mcp: { requireAuth: true },                             // gate the MCP handshake, not just the tool calls\n});\n\nexport const { mcp, restList, restDispatch, webhook, agentAuth, meter, api } = billing;\nexport const BILLING_CLI = billing.cli;                   // for step 5\n```\n\nPrefer fine-grained control? Every factory is exported individually (`registerBillingTools`, `createMcpTransport`, `createToolListHandler`, `createToolDispatchHandler`, `createStripeWebhookHandler`, `createAgentAuth`, …) so you can build your own composition root — but note that the composition is **where five decisions live** (webhook idempotency, subscription mirroring, the 402/401/429 mapping, handshake gating, which ledger counts), so hand-wiring means re-deciding each one.\n\n### 4. Mount the routes\n\nEvery route file is a re-export.\n\n```ts\n// app/[transport]/route.ts        →  export const { GET, POST } = mcp\n// app/api/v0/route.ts             →  export const GET = restList\n// app/api/v0/[tool]/route.ts      →  export const POST = restDispatch\n// app/api/stripe/webhook/route.ts →  export const POST = webhook      // raw body: keep it out of session middleware\n```\n\nPass `onOtherEvent: createStripeEventHandler({ adapter, plans })` to `webhook` unless you run the [event poller](#-zero-webhook-sync). Without one of the two, nothing mirrors `customer.subscription.*` onto the org, so `resolvePlan` reads `null` for ever and **no subscriber is given the allowance they paid for**.\n\n### 5. One command for the environment\n\n`plans` and `config` are TypeScript values, so this is a script the app owns rather than a bin subcommand — but it holds no facts of its own.\n\n```ts\n// scripts/billing.ts\nimport { runBillingCli } from \"@arnaudjnn/billing-tools\";\nimport { BILLING_CLI } from \"../billing\";\n\nrunBillingCli(BILLING_CLI);   // call it; it exits the process itself\n```\n\n```json\n{ \"scripts\": { \"billing\": \"tsx --env-file-if-exists=.env.local scripts/billing.ts\" } }\n```\n\n| | |\n|---|---|\n| `pnpm billing` | audit, read-only. The default, because the default must be the verb that cannot change anything |\n| `pnpm billing setup` | provision, then audit. Idempotent, safe on every deploy |\n| `--no-webhook` | there is no endpoint here, by design (correct on a laptop) |\n| `--url <url>` / `--prune` | check a different endpoint / delete duplicates on the same URL |\n\n`billing.cli` carries the catalogue, the config, the wired ledger's coverage, whether a checkout is mounted and whether the OAuth proxy is — read off the composition, not restated. A script that declares its own ledger coverage can be right while the app is wrong, which is how a wallet-only ledger once counted pooled usage as 0 and gave every subscriber unlimited requests with every check passing.\n\n### Local webhooks\n\nNo tunnel, no `stripe login`, no registered endpoint:\n\n```bash\nnpx billing-tools dev     # fetches the Stripe CLI if needed, forwards to localhost,\n                          # and writes the session's whsec_ into .env.local\n```\n\nThe dotenv write is the point: `stripe listen` mints a new secret per session and your dev server is a different process, so a file is the only channel both see.\n\n### First call\n\n```bash\ncurl https://your-app.com/api/v0                          # tools + costs\ncurl -X POST https://your-app.com/api/v0/get_credit_balance \\\n  -H \"Authorization: Bearer sk_…\"\n```\n\nAdd agent onboarding with [`createAgentAuth`](#agent-auth-authmd) and pay-per-call with [`createMachinePaymentHandler`](#machine-payments-mpp).\n\n## From sandbox to production\n\n**Nothing is copied between environments.** The same catalogue evaluated against a different key produces equivalent objects — which is why a key swap is *almost* the whole story, and why anything you clicked together by hand in a Dashboard is not.\n\nThat is the test: **did code create it, or did you click it?**\n\n### Creates itself, from the keys alone\n\n| | On what trigger |\n|---|---|\n| Stripe products + prices | first checkout, or `billing setup` |\n| Usage meter | first metered call |\n| Payment-method configuration (card + Apple Pay + Google Pay) | first payment form |\n| Stripe TaxRate objects | first taxed charge |\n| Stripe customers | first billed request per org |\n| WorkOS orgs, memberships, `sk_` API keys | per customer, on demand |\n| WorkOS roles you declared in `workos: { roles }` | `billing setup` |\n\n### Needs you, once per environment\n\n| | Why it cannot be automatic |\n|---|---|\n| **`STRIPE_WEBHOOK_SECRET`** | Stripe returns it once, at creation. No request can put it in your env store, so you cannot set it in advance — `billing setup` creates the endpoint and prints the secret |\n| **AuthKit redirect URI** | WorkOS exposes no API for it in v10 (its only writable `redirect_uris` belong to a Connect application, a different object). `pnpm billing` prints the exact string to allowlist |\n| **AuthKit appearance/settings** | same: Dashboard only |\n| **Stripe Tax registrations** | only a human knows where the business collects. Skipped unless `config.tax.mode` is `\"stripe\"` |\n\n`admin` and `member` ship with a WorkOS environment, so there is nothing to do there — `ensureWorkOSRoles` has no default list and creates only roles you name.\n\n### The deploy\n\n```bash\n# 1. set the four env vars (live Stripe key + prod WorkOS key)\npnpm billing setup          # → prints STRIPE_WEBHOOK_SECRET=… ONCE\n# 2. paste it into Vercel/Railway, redeploy\n# 3. allowlist the redirect URI the report printed\npnpm billing                # exits non-zero: gate the pipeline on it\n```\n\nRun `setup` by hand, not from a build step — the signing secret would print into a build log nobody reads, and Stripe never shows it again. Because everything else provisions lazily, a broken config otherwise surfaces on a customer's first request; `pnpm billing` in the pipeline is what moves that into the deploy.\n\n## Pricing examples\n\nFive independent axes, so a catalogue describes a product rather than picking from a\nmenu. Only `sells` is a union — it alone decides which fields are required and what\nStripe objects get minted.\n\n| axis | values | decides |\n|---|---|---|\n| `sells` | `nothing` \\| `seats` \\| `flat` | what Stripe charges for |\n| `grant` | `none` \\| `purchased_seats` \\| `per_member` \\| `fixed` | what is CREDITED as money on `invoice.paid` |\n| `cap` | `wallet` \\| `per_seat` \\| `pool` | what is INCLUDED, as a counted window |\n| `replenish` | `{purchase?, autoReload?, request?}` | how to get more. `purchase.min`/`max` bound ONE purchase (default 5 / 200 000 currency units); `request.percent` / `maxPercent` / `presets` / `step` bound and shape one grant (default 25 / 500 / `[25,50,100]` / 25). Read them with `purchaseBounds(model)` / `requestBounds(model)` so a buy form and the tool that refuses it cannot disagree |\n| `sale` | `free` \\| `self_serve` \\| `quote` \\| `legacy` | whether it can be bought. Required, never inferred |\n\nEvery example below is typechecked against the published types in CI.\n\n### Flat subscription + one org-wide pool\n\nThe shape for a product sold by volume rather than by seat — an API, an agent\nplatform. One pool for the whole workspace; overage draws the prepaid wallet so a\nlong run never stops halfway.\n\n**The arithmetic that makes a tier worth buying:** top-ups are fixed at **1 credit per\ncent** (`$1 = 100 credits`), so included credits have to cost *less* than that, and\nless at each step, or a customer who does the division has no reason to subscribe —\nlet alone upgrade.\n\n```ts\nexport const PLANS = definePlans({\n  starter: {\n    sells: { kind: \"flat\", price: { monthly: 3_000, yearly: 30_000 } },  // $30 → 0.75¢/credit, 25% off\n    grant: { kind: \"none\" },\n    cap: { kind: \"pool\", credits: 4_000, onExhausted: \"wallet\" },\n    replenish: { purchase: { packs: [1_000, 5_000] } },\n    sale: \"self_serve\",\n  },\n  pro: {\n    sells: { kind: \"flat\", price: { monthly: 9_000, yearly: 90_000 } },  // $90 → 0.60¢/credit, 40% off\n    grant: { kind: \"none\" },\n    cap: { kind: \"pool\", credits: 15_000, onExhausted: \"wallet\" },\n    replenish: {\n      purchase: { packs: [5_000, 20_000] },\n      autoReload: { threshold: 2_000, reloadTo: 15_000, enabledByDefault: true },\n    },\n    sale: \"self_serve\",\n    display: { name: \"Pro\", featured: true, badge: \"Most popular\" },\n  },\n});\n```\n\nNo `limits.members` means unlimited — a seat was never what this product sells, and a\nceiling on people only pushes a team onto one shared key.\n\n### Per-seat packs, with a top-up queue\n\nEach member draws their own included pack, and a member who runs out can ask the owner\nfor more instead of being blocked. `cap: per_seat` is the only shape that needs a\nper-member counter, so it also needs a ledger that can count one — see\n[Scale](#-scale-stated-plainly).\n\n```ts\nexport const PLANS = definePlans({\n  team: {\n    sells: {\n      kind: \"seats\",\n      seatTypes: {\n        standard: { price: { monthly: 2_000, yearly: 20_000 }, credits: 1_000 },\n        premium: { price: { monthly: 9_000, yearly: 90_000 }, credits: 5_000 },\n      },\n    },\n    grant: { kind: \"none\" },\n    cap: { kind: \"per_seat\", onExhausted: \"block\" },   // a committed pack's overage is a renegotiation\n    replenish: { request: {} },                         // request_top_up → approve_top_up\n    sale: \"self_serve\",\n  },\n});\n```\n\n`onExhausted: \"block\"` refuses even when the wallet could pay. `\"wallet\"` falls through\ninstead, so a top-up funds the overage.\n\n### Pure pay-as-you-go, no subscription\n\nNo plan to be on: a wallet, and credits bought as needed. `cap: wallet` includes\nnothing, so every call is funded by the balance.\n\n```ts\nexport const PLANS = definePlans({\n  payg: {\n    sells: { kind: \"nothing\" },\n    grant: { kind: \"none\" },\n    cap: { kind: \"wallet\" },\n    replenish: { purchase: { packs: [1_000, 5_000, 20_000] }, autoReload: { threshold: 500, reloadTo: 5_000 } },\n    sale: \"free\",\n  },\n});\n```\n\n`checkPlansConfig` warns if you advertise `cap: wallet` without any `replenish` — a\nplan that promises pay-as-you-go and cannot take the money.\n\n### Free → self-serve → quote-only, with a rate limit\n\n`sale` is what makes a plan buyable, and `quote` keeps Enterprise off the self-serve\npath — an agent holding a workspace key cannot subscribe an org to it at its\nplaceholder amount. `limits.rate` is a sixth axis and NOT the same as `cap`: a cap is\nthe commercial ceiling over the billing cycle, a rate limit is the pace, and a month's\nallowance spent in one afternoon sits inside the cap.\n\n```ts\nexport const PLANS = definePlans({\n  free: {\n    sells: { kind: \"nothing\" },\n    grant: { kind: \"none\" },\n    cap: { kind: \"pool\", credits: 200 },\n    limits: { rate: [{ every: \"day\", credits: 50 }] },\n    sale: \"free\",\n  },\n  growth: {\n    sells: { kind: \"flat\", price: { monthly: 4_900, yearly: 49_000 } },\n    grant: { kind: \"none\" },\n    cap: { kind: \"pool\", credits: 10_000, onExhausted: \"wallet\" },\n    replenish: { purchase: {} },\n    limits: { rate: [{ every: \"hour\", credits: 600, callerKind: \"api\" }] },\n    sale: \"self_serve\",\n  },\n  enterprise: {\n    sells: { kind: \"flat\", price: { monthly: 100_000, yearly: 1_000_000 } },\n    grant: { kind: \"none\" },\n    cap: { kind: \"pool\", credits: 250_000, onExhausted: \"wallet\" },\n    sale: \"quote\",     // listed, not buyable\n  },\n});\n```\n\nRate limits fund nothing and never fall through to the wallet — a limit a top-up could\nlift is not a limit. The refusal is its own reason (`rate_limit_reached`) and carries\n`retryAt`, because it is the one refusal that fixes itself.\n\n### What a catalogue decides for you\n\nThe catalogue is not just prices. **The tool surface and the CLI surface are derived\nfrom it**, so a shape that cannot happen is not advertised:\n\n| | flat + pool | seats + per_seat + `request` |\n|---|---|---|\n| tools registered | **26** | **33** (adds seats + top-ups) |\n| CLI commands | no `seats` / `topup` | all groups |\n\nThat is the point of deriving rather than listing: an agent cannot tell a tool that\nalways fails from one it is holding wrong, and a customer cannot tell a dead command\nfrom a mistake. Pass `plans` to `registerBillingCommands` to gate the CLI the same way.\n\n### Buying one\n\n`change_plan` is the single entry point for up, down and off. On a first purchase there\nis no subscription to prorate, so it opens a Checkout Session — **hosted** for the tool\n(a URL any caller can open), **elements** for your own UI (a client secret you mount).\nSame session either way: same tax, same payment-method configuration.\n\n```ts\nawait changePlan(adapter, orgId, { plans: PLANS, to: { plan: \"pro\" }, config, uiMode: \"hosted\" });\n```\n\nQuote it first with `previewPlanChange(adapter, orgId, { plans, to, proration })` — it\nshares `desiredPrices` and `diffItems` with `changePlan`, so the quoted number is the\ncharged number. Pass it the same `proration` you will pass to `changePlan`, or you are\nquoting a different policy from the one you apply. (It takes no `config`: it only reads,\nso it never needs to create a customer.)\n\n## How it works\n\n**WorkOS is always the source of truth.** Your app's `orgId` is opaque: implement the adapter and everything (auth, metering, Stripe math, all surfaces) works unchanged. Two shipped patterns:\n\n| Pattern | What `orgId` maps to | Storage | Use when |\n|---|---|---|---|\n| **A: WorkOS-only** | the WorkOS org id | none beyond WorkOS | you don't have (or need) your own DB rows |\n| **B: WorkOS + DB mirror** | your own id (e.g. `ws_…`) | a `workos_org_id` column + `org.externalId`, 1:1 | you keep local rows and mirror WorkOS into them |\n\nIn both, API keys are WorkOS org keys and the Stripe pointer lives on the org. The `WorkOSOrgAdapter` (`@arnaudjnn/billing-tools/adapters/workos-org`) implements both; pass a `map` for Pattern B.\n\n## Agent auth (auth.md)\n\nImplements the [WorkOS auth.md](https://workos.com/auth-md) spec.\n\n```ts\nimport { createAgentAuth } from \"@arnaudjnn/billing-tools\";\n\nexport const agentAuth = createAgentAuth({\n  adapter, config,\n  branding: { productName: \"Acme\", logoUri: \"https://acme.com/logo.svg\" },\n  identityTypes: [\"anonymous\", \"verified_email\"],\n});\n// mount: /auth.md, /.well-known/oauth-{protected-resource,authorization-server},\n//        /agent/identity, /agent/identity/claim, /oauth/token, /oauth/revoke\n```\n\nAn agent hits a 401, follows the `resource_metadata` hint to your metadata, reads `/auth.md`, then registers (either **anonymously** for an instant key, or via a **verified-email** claim ceremony where the user reads back a code) and starts calling tools. All handlers are `Request` to `Response`.\n\n## Machine payments (MPP)\n\nImplements Stripe's [Machine Payments Protocol](https://mpp.dev/).\n\n```ts\nimport { createMachinePaymentHandler } from \"@arnaudjnn/billing-tools\";\n\nconst pay = createMachinePaymentHandler({ methods: [\"stripe\"], amount: 50, currency: \"usd\" });\nconst gate = await pay.requirePayment(request);\nif (gate instanceof Response) return gate;   // 402 + WWW-Authenticate: Payment challenge\n// else settlement succeeded, serve the paid resource\n```\n\nThe 402 challenge + credential parsing ship ready and are offline-testable. Actual settlement (card via shared payment tokens, or crypto/USDC) is injected via a `settle` function once your Stripe account is enabled for machine payments; until then the gate returns a clean \"settlement not enabled\" 402 (never a crash). `createPaymentMd()` serves an agent-facing `/payment.md`.\n\n## MCP OAuth proxy (dynamic clients)\n\nMCP clients like Claude Desktop and Claude.ai can't be handed an API key — they\nregister themselves (RFC 7591) and expect an OAuth 2.1 authorization-code flow.\n`oauthProxy` gives you that on top of WorkOS AuthKit, in one option:\n\n```ts\nconst billing = createBilling({\n  adapter, config,\n  agentAuth: { branding: { productName: \"Acme\" } },\n  oauthProxy: true,          // needs REFRESH_TOKEN_SECRET\n});\n\n// app/oauth/authorize/route.ts   export const GET  = billing.oauth!.authorize\n// app/oauth/register/route.ts    export const POST = billing.oauth!.register\n// app/oauth/callback/route.ts    export const GET  = billing.oauth!.callback\n// app/oauth/token/route.ts       export const POST = billing.oauth!.token\n```\n\nThe user authenticates with AuthKit; the client receives the WorkOS access token\nplus an HS256 refresh token that wraps the WorkOS one and is bound to the\n`client_id` that obtained it. PKCE (S256) is enforced whenever the client sends a\nchallenge, authorization codes are single-use, and the `/oauth/token` route also\nserves the auth.md claim grant so one route covers both flows.\n\nEnabling it also makes discovery honest: `authorization_endpoint` and\n`registration_endpoint` appear in `/.well-known/oauth-authorization-server` only\nwhen the proxy is on, and `authorization_code`/`refresh_token` join\n`grant_types_supported`. Consumers without the proxy no longer advertise an\n`/oauth/authorize` they don't implement.\n\n**Registered clients, parked sessions and codes live in an `OAuthStore`,** and the\ndefault is this process's memory. That suits one long-lived process; after a\nredeploy every connector answers `invalid_client` until its user re-adds it, and\nbehind two replicas a code minted by one is unknown to the other. Pass a\npersistent store — four methods, with `take` an atomic read-and-delete (a\n`DELETE … RETURNING`, a Redis `GETDEL`) so a code stays single-use across\ninstances:\n\n```ts\noauthProxy: {\n  store: {\n    get: (kind, key) => …,               // null when absent or expired\n    set: (kind, key, value, ttlMs) => …, // ttlMs null = never expires\n    delete: (kind, key) => …,\n    take: (kind, key) => …,              // atomic: at most one caller gets it\n  },\n  ttl: { clientMs: null },               // optional; default 90 days, extended while in use\n},\n```\n\nBearer keys (session ids, codes) reach the store already hashed and the WorkOS\ntokens inside a code are sealed with a key only the code's holder has, so the\nstore's rows replay nothing. With a store, a client lives 90 days by default and\nis extended whenever it authorizes or refreshes, so a connector in use keeps its\n`client_id`; without one it keeps the old 24 h.\n\n**`REFRESH_TOKEN_SECRET` is required and has no fallback.** Falling back to\n`WORKOS_CLIENT_ID` — a public identifier — would let anyone who knows it forge a\n30-day refresh token. Without the secret the token endpoint returns\n`server_error` rather than signing with something guessable.\n\n## CLI\n\n```ts\nimport { registerBillingCommands } from \"@arnaudjnn/billing-tools\";\nimport { Command } from \"commander\";\n\nconst program = new Command();\nregisterBillingCommands(program, {\n  configDir: \"~/.acme\",\n  envPrefix: \"ACME\",\n  defaultUrl: \"https://acme.com\",\n  // Gates the commands by the catalogue, exactly as the TOOLS are gated: a flat/pooled\n  // plan ships no `seats` or `topup` commands, which would otherwise call tools that\n  // were never registered and could only answer \"Unknown tool\". Omit to register all.\n  plans: PLANS,\n});\n// acme auth | keys | balance | buy | invoices | usage | limits | team-usage | plans | plan | spend | cards | …\n```\n\nEvery command hits the same REST endpoint an agent would, so the CLI can never do more\nor less than the API. `commander` is yours, not a dependency of this package — the\nparameter is typed structurally (`CommandLike`).\n\n## Configuration\n\n`BillingConfig` (pass to `resolveConfig`):\n\n| Field | Default | Purpose |\n|---|---|---|\n| `baseUrl` | required | Checkout success/cancel + portal return URLs |\n| `currency` | `\"usd\"` | Stripe currency |\n| `freeCredits` | `100` | Welcome credit on first customer creation |\n| `internalDomains` | `[]` | Orgs with these **verified** WorkOS domains are unmetered (see `internalDomainsFromEnv`) |\n| `messages` | `DEFAULT_MESSAGES` | Override the library's own strings (refusals, basket problems, plan tables) once, for the whole deployment. What a REFUSED caller reads comes back in them through the API and CLI too |\n| `spendLimit.defaultCredits` | `null` | The monthly ceiling a customer who set none is held to. The METER reads it, so it is a real limit and not a placeholder a settings page shows |\n| `spendLimit.required` | `false` | Refuse `set_spend_controls` clearing the ceiling |\n| `paymentMethods.maxCards` | `3` | How many cards a customer keeps; `prunePaymentMethods` evicts least-recently-used, never the default |\n| `roles.purchase` | `\"admin\"` | Who may spend the workspace's money (`buy_credits`, `set_auto_reload`). `\"member\"` for a product whose members hold their own cards. Also what `usageAction` reads to decide \"buy this\" vs \"ask an owner\" |\n| `tax.origin` | unset | Where you're established (`\"IT\"`). Decides domestic vs cross-border, which is the whole question a VAT rate turns on. Unset falls back to the Stripe account's country — `mode: \"none\"` is how you opt out of tax entirely |\n| `tax.mode` | derived | `\"local\"` \\| `\"stripe\"` \\| `\"none\"`. Overrides what `origin` implies |\n\n### Selling worldwide: three facts, not a tax course\n\n```ts\nimport { sellerRegime } from \"@arnaudjnn/billing-tools\";\n\n// A French micro-entreprise under the franchise: 0% to everyone, everywhere.\nconfig: { baseUrl, currency: \"eur\", tax: sellerRegime({ country: \"FR\", vatRegistered: false }) }\n\n// The same business past €10 000 of cross-border EU B2C, and now UK-registered.\ntax: sellerRegime({\n  country: \"FR\",\n  vatRegistered: false,                      // franchise en base — a DOMESTIC relief\n  oss: true,                                 // one registration covering every member state\n  alsoCollectIn: [{ country: \"GB\" }],        // the UK has NO threshold for a non-established seller\n})\n```\n\nWhat each produces, asserted in `tests/seller-regime.test.mjs`:\n\n| | domestic | EU B2C | EU B2B (valid VAT id) | UK B2C |\n|---|---|---|---|---|\n| `vatRegistered: false` | 0% | 0% | 0% reverse charge | 0% |\n| `+ oss: true` | **0%** | 22% IT / 19% DE | 0% reverse charge | 0% |\n| `+ alsoCollectIn: [GB]` | 0% | 22% / 19% | 0% reverse charge | **20%** |\n| `vatRegistered: true` | 20% | 22% / 19% | 0% reverse charge | 20% |\n\n`vatRegistered` is a domestic fact and changes nothing cross-border. Reverse charge on EU\nB2B does **not** require the seller to be VAT-registered — the customer self-accounts —\nand the mandatory mention (`notes.reverseCharge`) rides on the 0% rate, which is the\npoint of minting a TaxRate for it rather than omitting tax.\n\nEvery form the library builds — the seat checkout, the credit top-up, the card setup —\ncollects a **required billing address** and a **tax id**, and writes both back to the\nCustomer, so the next charge and the invoice have them.\n\n**Where you owe tax is library data; where you are registered is yours.** What each\ncountry demands of a seller with no establishment there lives in one file\n(`src/tax-obligations.ts`), because those rules move and no developer should have to\nresearch them. The doctor reads it against your real Stripe customers and tells you the\ndeclaration is incomplete:\n\n```\n✗ Unregistered exposure: GB — 2 customer(s) are in GB, which taxes a non-established\n  seller from the first consumer sale (no threshold), and config.tax.registrations\n  does not include it\n    → B2B there is reverse-charged and needs no registration, so requiring a VAT id is\n      the alternative to registering. Register (UK VAT registration (NETP)) and add\n      { country: \"GB\" } to registrations, or do not sell B2C there.\n```\n\nA **zero-threshold** country (the UK) is an error — the obligation starts at the first\nconsumer sale, so it needs no knowledge of your turnover. A **thresholded** one (Norway\nNOK 50 000, Australia A$75 000) can only warn. A country the file makes no claim about\nstays silent, because absence means \"unknown\", never \"no obligation\".\n\n**What no library can do:** tell you when €10 000 was crossed, or that you now owe UK\nVAT. Those are facts about your turnover. `checkBillingSetup` reports what the config\nclaims and cannot audit it — declaring `vatRegistered: false` with no registrations says\n\"I owe nothing anywhere\", and the engine believes you.\n\n## Roadmap\n\n- 🪙 x402 machine-payment protocol alongside [MPP](https://mpp.dev/)\n\n## Contributing\n\nIssues and PRs welcome. The engine is plain TypeScript compiled with `tsc`; `dist/` is gitignored and built in CI, so it exists only in the published npm tarball. See `AGENTS.md` for the architecture, the adapter interface, the SDK-first doctrine, and the release flow.\n\n## License\n\n[MIT](LICENSE) © Arnaud Jeannin\n","readmeFilename":"README.md"}