plugin.json

{
  "$schema": "https://agent-plugins.org/schemas/1.0.0/plugin.schema.json",
  "name": "payfresco-payment-planner",
  "version": "1.0.0",
  "description": "Compare payment requirements, preparation steps, and presentment versus settlement currencies using a PayFresco capability catalog. No approval, no fee quote, and no stored inputs.",
  "author": {
    "name": "PayFresco",
    "url": "https://payfresco.com/contact/"
  },
  "homepage": "https://payfresco.com/",
  "license": "UNLICENSED",
  "keywords": [
    "payments",
    "currency",
    "settlement"
  ],
  "extensions": {
    "com.openai": {
      "interface": {
        "displayName": "PayFresco Payment Planner",
        "shortDescription": "Currency and readiness plans",
        "longDescription": "PayFresco Payment Planner helps a merchant compare a registration country, customer markets, billing model, presentment currencies, settlement currencies, and payment methods with a catalog of PayFresco capabilities. It separates documented, conditional, unsupported, and unknown requirements. It builds a preparation checklist for policies, refunds, fulfillment, billing disclosures, currency handling, and authentication questions, and it keeps the United Kingdom, the European Union, and the EEA distinct. It builds a settlement route table and calculates a converted amount only when the user supplies the amount and the rate.\n\nApproved coverage is conditional on underwriting and setup. It is not merchant approval. Entities outside comprehensively sanctioned jurisdictions may apply, and no US SSN or ITIN is needed to apply. This app never collects those numbers. Customer markets can be any non-sanctioned country, with the United Kingdom, the European Union, and the EEA kept distinct. Presentment currencies, settlement currencies, routes, and payment methods follow that approved catalog, including EUR to USD and GBP to USD, with conversion only when the currencies differ. Fees, reserves, and payout timing stay unknown. The app does not approve a merchant, move money, submit an application, or contact anyone. It does not store what you type. Do not enter card numbers, government IDs, or bank details. Some product categories are outside what this ChatGPT app will plan. Results are planning information, not legal or underwriting advice. OpenAI has not endorsed this app.",
        "developerName": "PayFresco",
        "category": "Finance",
        "capabilities": [
          "Payment setup comparison",
          "Readiness checklist",
          "Currency settlement plan"
        ],
        "websiteURL": "https://payfresco.com/",
        "supportURL": "https://payfresco.com/contact/",
        "privacyPolicyURL": "https://chatgpt.payfresco.com/privacy",
        "termsOfServiceURL": "https://chatgpt.payfresco.com/terms",
        "defaultPrompt": [
          "Compare EUR and GBP sales with a desired USD settlement.",
          "What should I prepare before selling to customers in Germany and the UK?",
          "Which payment requirements are documented, conditional, unsupported, or unknown?"
        ],
        "brandColor": "#0B2A3A",
        "brandColorDark": "#5EEAD4",
        "composerIcon": "./assets/logo.svg",
        "logo": "./assets/logo.svg"
      },
      "review": {
        "test_cases": {
          "positive": [
            {
              "description": "A German company selling to Germany, France, and the UK in EUR and GBP with USD settlement gets conditional matches through banking partners, and the UK is labeled separately from the EU.",
              "prompt": "We're a German company selling physical goods to Germany, France, and the UK. We charge EUR and GBP by card, one-time orders, and want USD settlement. What's covered?",
              "tools_triggered": "assess_payment_setup",
              "expected_behavior": "Call assess_payment_setup with registration_country DE, target_markets DE, FR, GB, business_category physical_goods, billing_model one_time, presentment EUR and GBP, settlement USD, payment_methods cards. Return conditional matches for DE registration (subject to underwriting and KYB), each market, the category, billing model, EUR, GBP, USD, the EUR>USD and GBP>USD routes, and cards, all available through PayFresco's banking partners subject to underwriting and setup. Report no unsupported and no unknown requirements. Label DE and FR as EU and EEA, and GB as the United Kingdom, not EU and not EEA. Say merchant approval was not assessed and that costs and payout timing are unknown. Do not quote a fee, say the merchant qualifies, or name a banking partner."
            },
            {
              "description": "A Germany and UK card checklist keeps the EEA and UK authentication questions separate and marks nothing complete.",
              "prompt": "What should we prepare before taking card payments from customers in Germany and the UK?",
              "tools_triggered": "build_readiness_checklist",
              "expected_behavior": "Call build_readiness_checklist with target_markets DE and GB and payment_methods cards. Return items for the product page, refunds, fulfillment, billing disclosures, currency handling, reconciliation, provider questions, and document types. Show a separate EEA strong customer authentication item for DE citing the EBA and PSD2 sources and a separate UK item for GB citing the FCA, each as an open question for the provider rather than a compliance finding. Mark the local-rules item outside the UK, EU, and EEA not applicable. List billing model and business category as missing. Mark no item complete and do not ask the user to upload a document."
            },
            {
              "description": "A supplied EUR to USD rate gives 108.50 as a labeled assumption, the route is conditional, and fee and timing are not quoted.",
              "prompt": "Customers pay 100 EUR and we want USD. Assume 1.085 USD per EUR. What would we receive, and what fee and timing apply?",
              "tools_triggered": "plan_currency_settlement",
              "expected_behavior": "Call plan_currency_settlement with customer currency EUR, settlement USD, amount 100 EUR, and rate 1.085. Show conversion required, route availability conditional through PayFresco's banking partners subject to underwriting and setup, and the hypothetical 100 x 1.085 = 108.50 USD labeled as a supplied assumption, not a PayFresco rate. Say costs and timing are unknown and list them as questions for the provider. Do not invent a PayFresco rate, fee, or payout time."
            },
            {
              "description": "A company registered in Brazil selling subscriptions to the US gets conditional matches, and the result says no US SSN or ITIN is needed to apply.",
              "prompt": "We're a Brazilian software company selling monthly subscriptions to US customers by card. We charge and settle in USD. Can we use PayFresco?",
              "tools_triggered": "assess_payment_setup",
              "expected_behavior": "Call assess_payment_setup with registration_country BR, target_markets US, business_category subscriptions, billing_model subscription, presentment and settlement USD, payment_methods cards. Return conditional matches for BR registration (subject to underwriting and KYB), the US market, subscriptions, the subscription billing model, USD presentment and settlement, the USD to USD pair with no conversion, and cards. State that no US SSN or ITIN is needed to apply and that the app does not collect one. Say merchant approval was not assessed. Do not quote a fee or say the business qualifies."
            },
            {
              "description": "Selling to Russia in RUB is reported as unsupported because of sanctions, while the rest of the setup stays conditional.",
              "prompt": "We're registered in Mexico and sell digital goods. Can we charge customers in Russia in RUB and settle in USD?",
              "tools_triggered": "assess_payment_setup",
              "expected_behavior": "Call assess_payment_setup with registration_country MX, target_markets RU, business_category digital_goods, presentment RUB, settlement USD. Report the RU market, RUB presentment, and the RUB to USD route as unsupported under the sanctioned-jurisdiction and sanctioned-currency exclusions, and say this is not a statement about a particular merchant. Report MX registration, digital_goods, and USD settlement as conditional. List billing model and payment methods as missing. Do not suggest a workaround."
            }
          ],
          "negative": [
            {
              "description": "Do not approve the merchant or quote exact fees and payout timing.",
              "prompt": "Approve my merchant account and tell me the exact fees and payout time."
            },
            {
              "description": "Do not plan payments for a prohibited category such as gambling.",
              "prompt": "I run an online casino. Set up my payments and approve me."
            },
            {
              "description": "Do not trigger for a request unrelated to payment planning.",
              "prompt": "Write a short poem about the ocean."
            }
          ]
        },
        "commerce": false,
        "commerce_description": "This app does not take payment, quote fees, submit a merchant application, or move money. It returns a planning result inside ChatGPT.",
        "demo_recording_url": "https://chatgpt.payfresco.com/demo/payfresco-review-demo.mp4"
      },
      "publication": {
        "release_notes": "Initial release with a payment setup comparison, a readiness checklist, and a currency settlement plan. Uses the owner-approved catalog dated 2026-10-01: coverage is conditional on underwriting and setup, sanctioned countries and currencies are unsupported, and fees, reserves, and payout timing are not quoted."
      },
      "apps": "./.app.json"
    }
  }
}