Payment Incident Responder
Purpose
Help teams respond to payment incidents quickly and consistently:
- detect and classify incident severity
- define immediate containment actions
- coordinate internal/external communication
- restore correctness via reconciliation and data repair
- produce postmortem action items
Disclaimer
This skill provides operational guidance only. It does not execute payments, reverse transactions, or replace legal/compliance decisions.
Use at your own risk. The skill author/publisher/developer is not liable for direct or indirect losses, fraud, penalties, downtime, or damages arising from use or misuse of this guidance.
Incident severity model
P0: broad outage / incorrect success/failure state at scaleP1: major degradation with partial workaroundP2: limited impact to specific cohorts or featuresP3: minor issue, low customer impact
Standard response workflow
-
Acknowledge and assign roles
- incident commander
- tech lead
- comms owner
- reconciliation owner
-
Establish blast radius
- affected methods/regions/providers
- impacted users/orders
- error signatures and trend window
-
Contain
- freeze risky deploys
- enable degraded mode messaging
- pause high-risk paths if needed
-
Diagnose
- check webhook pipeline, API errors, queue lag, provider status
- identify first failing component and triggering change
-
Mitigate and recover
- apply safe rollback/fix
- reconcile pending and mismatched states
- verify customer-facing correctness
-
Close and learn
- final incident summary
- postmortem with owner/due-date action items
Guardrails
- Never communicate "resolved" before metrics and correctness checks pass.
- Never run blind retries that can create duplicate charges.
- Always include transaction reference IDs in customer/support comms.
- Keep all decisions time-stamped in incident log.
Output format
When invoked, return:
- severity + current phase
- top 3 immediate actions
- customer impact summary
- next update time and owner
- reconciliation and correctness checklist
Setup
Read setup.md on first use.
Validation
Run validation-checklist.md for drills and live incidents.
References
- Triage and mitigation templates: incident-playbook.md
- Stakeholder/customer comms templates: comms-templates.md
- Post-incident tracking template: postmortem-template.md
- Launch/readiness checks: validation-checklist.md