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With the Payments Library, users/subscribers can purchase Payment Plans by paying. The process is simple and secure. The Subscriber needs to have enough funds in their wallet to pay for the Plan in the token selected by the creator of the Plan. In Nevermined, the Payment Plan creators can request the payments in any valid ERC20 or Native token (depending on the network where the Plan is created). When the Payment Plan requires a payment in Fiat, the payment can be initiated with the libraries, but the final step needs to be done in the Nevermined App. The App will handle the payment in Fiat (Stripe integration) and will return the user to the application with the Payment Plan purchased.

Payment Methods

Nevermined supports both cryptocurrency and fiat payment methods, providing flexibility for all types of users.

Cryptocurrency Payments

For users with crypto wallets, direct blockchain payments offer instant settlement:
// Purchase plan with cryptocurrency
const purchaseResult = await payments.plans.orderPlan(planId)
// OUTPUT: purchaseResult: 
// {
//   txHash: '0x5b95ebaec594b6d87e688faddf85eec3d708e6a06e61864699e5a366af1343f6',
//   success: true
// }

Fiat Payments

For users preferring traditional payment methods, Stripe integration provides credit card support:
// Get fiat payment configuration
const fiatConfig = await payments.plans.getFiatPriceConfig(planId)

// Purchase plan with fiat payment
const { sessionId, url } = await payments.plans.orderFiatPlan(planId)

// Redirect user to Stripe checkout
window.location.href = url

// After successful payment, user will be redirected back with the plan active

Checking the Balance of a Payment Plan

After a user purchases a plan, they can check their balance for that plan. The balance represents the number of credits the user has available to use within the plan.
Time-based plans provide a balance of 1 credit for subscribers. When the plan expires, this balance will be zero.
const balanceResult = await payments.plans.getPlanBalance(planId)
// OUTPUT: balanceResult:
// {
//   planId: '84262690312400469275420649384078993542777341811308941725027729655403981619104',
//   planType: 'credits',
//   holderAddress: '0x8924803472bb453b7c27a3C982A08f7515D7aA72',
//   creditsContract: '0x17FaFabF74312EdaBEB1DB9f0CaAccd44aAFDE39',
//   balance: '100',
//   isSubscriber: true
// }

Understanding Plan Types and Balances

Credits-Based Plans

Users receive a specific number of credits upon purchase. Each API call consumes credits based on your configuration.

Time-Based Plans

Users receive 1 credit that grants unlimited access for the specified duration. Balance becomes 0 when expired.

Payment Flow Examples

Complete Purchase Flow

1

Discover Plans

Users browse available payment plans and select one that fits their needs
2

Initiate Purchase

Call orderPlan() or orderFiatPlan() depending on payment method
3

Complete Payment

For crypto: transaction is processed on-chain For fiat: user completes Stripe checkout
4

Verify Purchase

Check balance to confirm the plan was successfully purchased
5

Access Services

Use the plan to access AI agents and services

Error Handling

try {
  const purchaseResult = await payments.plans.orderPlan(planId)
  
  if (purchaseResult.success) {
    console.log('Plan purchased successfully!')
    console.log('Transaction hash:', purchaseResult.txHash)
    
    // Check balance to confirm
    const balance = await payments.plans.getPlanBalance(planId)
    console.log('Available credits:', balance.balance)
  }
} catch (error) {
  console.error('Purchase failed:', error.message)
  
  if (error.message.includes('insufficient funds')) {
    console.log('Please ensure you have enough tokens in your wallet')
  } else if (error.message.includes('user rejected')) {
    console.log('Transaction was cancelled by user')
  }
}

Integration Examples

Web Application Integration

// React component example
const PlanPurchase = ({ planId, planDetails }) => {
  const [purchasing, setPurchasing] = useState(false)
  const [balance, setBalance] = useState(null)
  
  const handlePurchase = async () => {
    setPurchasing(true)
    try {
      const result = await payments.plans.orderPlan(planId)
      if (result.success) {
        const newBalance = await payments.plans.getPlanBalance(planId)
        setBalance(newBalance.balance)
        toast.success('Plan purchased successfully!')
      }
    } catch (error) {
      toast.error(`Purchase failed: ${error.message}`)
    } finally {
      setPurchasing(false)
    }
  }
  
  return (
    <div>
      <h3>{planDetails.name}</h3>
      <p>Price: {planDetails.price} {planDetails.token}</p>
      <button onClick={handlePurchase} disabled={purchasing}>
        {purchasing ? 'Processing...' : 'Purchase Plan'}
      </button>
      {balance && <p>Available credits: {balance}</p>}
    </div>
  )
}

Next Steps

After users purchase plans, they can: