INITE Billing Service

Payment-rail-agnostic, AI-first billing gateway — subscriptions, metered credits, entitlements, affiliates.
One deployable service that is the single source of truth for money across the INITE ecosystem:
Stripe, crypto (ETH/SOL/TON/TRON), Apple/Google IAP and regional rails behind one state machine,
with an embedded Claude assistant, AI dunning/win-back outreach, and usage metering for AI products.

Website · Quick start · Architecture · API · AI features · Operations · Contributing

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Why INITE Billing

Most billing stacks make you choose: a SaaS gateway that owns your money flow (Stripe Billing, Chargebee) or a bare payments library that leaves subscriptions, entitlements and dunning to you. INITE Billing is a single self-hostable service that ships the entire money lifecycle — catalog, checkout, subscriptions, credits, entitlements, affiliate program, retention automation — behind one payment-agnostic state machine, with the payment provider reduced to a pluggable adapter.

• Rail-agnostic by design — Stripe, ONE, Lava, Apple IAP, Google Play RTDN, and native multi-chain crypto (ETH/SOL/TON/TRON) implement one PaymentRailAdapter interface; the orchestrator state machine (created → open → paid → refunded/failed/expired) doesn't know which rail paid.
• AI-first, not AI-bolted-on — an embedded Claude assistant with role-gated tools and a confirm-before-execute action layer; LLM-generated dunning / win-back / abandoned-checkout outreach; semantic catalog search (pgvector); next-best-offer recommendations; AI funnel insights for admins. See docs/ai-features.md.
• Built to meter AI products — credits are not a flat bucket: a metered feature registry with per-model-tier rates (tokens/requests/generations), windowed quotas with soft-cap warnings, and a backwards-compatible service-to-service consume API.
• Platform hub — INITE modules (club/events/education/health/shop/studio/ estate) call it machine-to-machine with per-service API keys; domain events fan out via a transactional outbox to per-service webhooks.
• Complete revenue toolkit — multi-level affiliate program with NET-15 payouts, promo codes, conversion funnel tracking with churn detection, heuristic payment-risk scoring, full admin UI (19 pages) + user dashboard in Next.js, EN/RU localized.
• Operable and audited — append-only migrations, IDOR-hardened endpoints, webhook signature verification, SSRF-guarded outbox, idempotency at every boundary, secret scanning and CodeQL in CI. See SECURITY.md.

Quick start

git clone git@github.com:inite-ai/inite-billing-service.git
cd inite-billing-service
npm install

cp env.example .env           # fill in secrets (ANTHROPIC_API_KEY for the assistant)
docker compose up -d postgres redis

npm run prisma:migrate        # apply schema (pgvector image required)
npm run db:seed               # optional: demo catalog (service + products + prices)
npm run start:dev             # backend on :3000, Swagger at /api

cd frontend && npm install && npm run dev   # UI on :3001

Verify:

curl http://localhost:3000/health
open http://localhost:3000/api        # Swagger

Full walkthrough (test DB, docker profiles, troubleshooting): docs/getting-started.md.

What ships in the box

Surface	What you get
Catalog & checkout	Products/prices per service, 2-phase checkout (session → pay), promo codes, idempotency keys
Payments	6 rail adapters, provider-credential storage in DB, webhook validation (amount/currency), BullMQ processing
Subscriptions	Trials, grace periods, renewal/expiry crons, lifecycle webhooks (billing.subscription.*)
Credits & metering	Ledger (grant/consume/reset/refund), metered feature registry, model-tier rates, windowed quotas, usage analytics
Entitlements	Access rights granted on payment, revoked on refund/expiry, queryable per user
AI assistant	Claude chat (AI SDK v7 streaming) with 19 tools (14 read + 5 confirm-gated actions), tool telemetry, 👍/👎 feedback, eval harness
Retention automation	Funnel event tracking, abandoned-checkout / dunning (day 0-2-5) / win-back / trial-ending outreach: LLM-personalized email + in-app, EN/RU
Notifications	Resend email (delivery webhooks, unsubscribe, suppression) + in-app notification center with preferences
Affiliates	Multi-level referral program, configurable commission levels, NET-15 payouts, payout providers
Risk	Velocity / outlier / failed-burst heuristics, monitor-only by default, admin review queue
Admin UI	19 pages: funnel kanban + AI insights, outreach stats, metering, risk review, catalog/orders/subscriptions/credits CRUD

Documentation

Full rendered docs — with diagrams and integration guides — at billing.inite.ai/docs.

Guides: Sell your first subscription · Meter AI usage with credits · Gate access with entitlements · Receive billing events · Go to production

Reference (mirrored in-repo):

Doc	What's inside
docs/getting-started.md	Local setup, env variables, migrations, running tests
docs/architecture.md	Module map, payment state machine, event flows, data model
docs/api.md	Full REST surface, auth (JWT / service API keys), examples
docs/ai-features.md	Assistant, action layer, outreach, metering, RAG, risk, insights
docs/operations.md	Deploy, feature flags & rollout order, adding a payment rail
SECURITY.md	Threat ledger, known limitations, vulnerability reporting
CONTRIBUTING.md	Hard bars for PRs, conventions, release flow
CLAUDE.md	Repo map for AI coding agents

Contributing

PRs land on main only through pull requests — CI (build-test) is a required check, titles follow Conventional Commits (release-please cuts versions and the changelog from them). Read CONTRIBUTING.md for the hard bars: tests for money paths, exact Decimal arithmetic, backwards-compatible public contracts, append-only migrations.

License

AGPL-3.0. Part of the INITE ecosystem — see also inite-auth-service (identity) and inite-brain-service (memory).