What problem does it solve? Israeli merchants integrating multiple payment gateways face inconsistent API formats, complex installment (tashlumim) rules on the Shva network, and regulatory requirements from the Bank of Israel and ISA. This Skill provides a unified abstraction layer for routing, fallback, and compliance across Cardcom, Tranzila, PayMe, Meshulam, iCredit, and Pelecard. ## Core Features & Use Cases - Gateway Comparison & Selection: Compare six Israeli gateways by API style, installment support, Bit/Apple Pay, fees, and settlement timing using the bundled comparison script and reference matrix. - Unified Payment Abstraction: Design a PaymentRequest/PaymentResult interface with idempotency keys, card tokens, and Shva CreditType codes (regular installments=8, credit=6, club installments=9). - Routing & Fallback Logic: Implement feature-based, cost-based, and availability-based routing with the critical rule of never retrying a bank decline on another gateway. - Use Case: A merchant needs to accept 10 interest-free installments with failover if their primary gateway goes down. The Skill guides routing installment payments to Cardcom as primary with Tranzila fallback, while calculating the merchant's interest-subsidy cost. ## Quick Start Ask the assistant to design a multi-gateway payment setup for an Israeli merchant with installment support and automatic fallback between Cardcom and Tranzila.
