Can I vibe code Paydock?

Create a lightweight payment routing API using Node.js and TypeScript that acts as a unified abstraction layer over Stripe and Adyen without touching raw card data.

1. DATA MODEL & COMPLIANCE SCOPE:
- Do not capture, store, or process raw PAN (Credit Card) data. Rely strictly on client-side tokenization.
- Model 'PaymentIntent' with fields: id, amount, currency, status, primary_gateway, secondary_gateway, primary_token, secondary_token, error_log, metadata.

2. FRONTEND INTEGRATION LAYER:
- Provide JS config endpoints that allow client checkouts to initialize Stripe Elements or Adyen Drop-in dynamically based on active merchant routing rules.

3. ROUTING ENGINE LOGIC:
- Implement POST /v1/payments/charge.
- Inspect charge parameters (currency, card brand, transaction amount).
- Evaluate configurable JSON routing rules (e.g., IF currency == 'EUR' TRY Adyen FIRST ELSE Stripe).
- Execute transaction against primary gateway API using idempotency keys.
- If primary returns a 5xx error or gateway timeout, immediately execute request against secondary gateway.
- Return standardized payload: { success: boolean, transaction_id: string, processor_used: string, status: string }.

4. WEBHOOK NORMALIZATION:
- Implement POST /v1/webhooks/stripe and POST /v1/webhooks/adyen.
- Verify signature headers for both services.
- Normalize events (payment_intent.succeeded, charge.failed) into a unified internal schema and update PaymentIntent database state.

5. OUT OF SCOPE:
- Direct credit card input forms on the server (PCI scope).
- Multi-tenant token vaulting.

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