Payments in Chat — AI Skills
Payments in Chat — AI Skills
What is Payments in Chat?
Payments in Chat lets your bot send payment links, charge stored cards, issue refunds, send invoices, and set up recurring charges directly from a conversation — across SMS, web chat, Apple Messages for Business, WhatsApp, and IVR. Six provider-agnostic AI skills work the same way whether the underlying provider is Stripe, Clover, or Square. Stripe is live today; additional providers are in development.
PCI scope — SAQ-A only
Velaro never touches a card number. Every flow uses a provider-hosted page or a tokenized customer reference saved on the provider side. There are no card fields in the Velaro widget. This keeps your business at the SAQ-A self-assessment level — the lightest PCI scope available.
The six AI skills
| Skill | What it does | Tier |
|---|---|---|
payment_create_link | Generates a hosted checkout link and drops it in chat for the customer to pay. | Read |
payment_charge_stored_card | Charges a customer who has previously authorized a card-on-file. Off-session. | Write |
payment_refund | Refunds a previous payment, full or partial. Site-scoped — refunds only payments your bot or workflow originated. | Destructive |
payment_get_status | Returns the current status of a payment (created, succeeded, failed, refunded). | Read |
payment_send_invoice | Sends a hosted invoice with line items and a due date. | Write |
payment_create_recurring_schedule | Sets up a weekly or monthly auto-charge for a card-on-file customer. | Write |
Plan requirement
All six skills are gated by the Payments AI Skills entitlement (EnablePaymentsSkills), available on the Enterprise plan. Destructive operations like refunds additionally require Destructive AI Skills to be enabled on the bot.
Connecting a payment provider
You configure the underlying provider once; the skills route to whichever provider is active for the site:
1. Go to Integrations → Stripe Payments and connect Stripe (secret key, webhook, signing secret). See the In-Chat Payments setup guide.
2. Once Stripe is connected and Payments AI Skills is on your subscription, the six skills become available to any bot or workflow on your site.
How to use them in a workflow
Add an AI Action node and grant the bot any of the six skill names listed above. Example prompt: "If the visitor wants to pay their deposit, call payment_create_link with the quoted amount and currency, then send them the URL."
For a scheduled charge — for example, a $99 monthly retainer — combine Scheduled Workflows with payment_charge_stored_card: a cron-triggered workflow runs every month, fetches the customer, and charges the card-on-file.
Refunds and site isolation
payment_refund and payment_get_status only act on payments that have a row in the Velaro PaymentEvents audit table for your site. This protects your provider account: a workflow on your site cannot refund a payment that wasn't originated through your site. Payments created directly in the Stripe Dashboard are not refundable through the bot — that's by design.
Audit trail
Every payment skill call writes a row to PaymentEvents: provider, payment id, amount, currency, status, masked customer hint, and correlation id back to the conversation. You can pull this audit history through the admin app and through the Velaro CLI for reconciliation.
Where to find it in the Velaro console
- Subscription gate: Velaro console → Subscription → Enterprise → Payments AI Skills.
- Provider setup: Velaro console → Integrations → Stripe Payments.
- Skill controls: per-bot AI node → Skill Permissions → the six
payment_*entries.
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