ADR-001: Stripe as Payment Provider
Status: Accepted Date: December 17, 2025 Decision Makers: CODITECT Engineering Team
Context
CODITECT needs a payment processing solution for:
- Subscription management (recurring billing)
- One-time payments (add-ons, credits)
- Usage-based billing (metered features)
- Customer self-service (portal)
- Global payment support
Decision
We will use Stripe as the primary payment provider.
Alternatives Considered
| Provider | Pros | Cons | Decision |
|---|---|---|---|
| Stripe | Best API, global, all features | 2.9% + $0.30 fees | ✅ Selected |
| Paddle | Handles taxes/VAT | Higher fees, less control | ❌ |
| Braintree | PayPal owned | Complex API | ❌ |
| Square | Good for POS | Limited for SaaS | ❌ |
Consequences
Positive
- Industry-leading API and documentation
- PCI DSS compliance handled
- Global payment methods
- Usage-based billing support
- Customer portal included
- Extensive webhook support
Negative
- 2.9% + $0.30 per transaction
- Vendor lock-in for billing logic
- Currency conversion fees
Mitigation
- Monitor fees and negotiate volume discounts
- Abstract billing logic for potential future migration
- Use local currencies where possible
Document Control:
- Created: December 17, 2025