Can I vibe code Splitit?

1. DATA MODEL
Create a PostgreSQL schema for an internal installment scheduling engine:
- `installment_plans`: id, order_id, customer_id, total_amount, currency, installment_count, status (active, completed, defaulted), created_at.
- `scheduled_payments`: id, plan_id, installment_number, amount, due_date, status (pending, charged, failed), payment_intent_id.

2. CORE FUNCTIONALITY
Build a Node.js Express service integrated with Stripe API:
- Endpoint `/api/create-installment-plan`: Accepts total amount and installment count (2 to 12). Charges the first installment immediately via Stripe PaymentIntents using `setup_future_usage: 'off_session'`.
- Scheduled Cron Task: Runs daily. Queries `scheduled_payments` due on the current date with status `pending`. Charges the stored payment method using off-session Stripe PaymentIntents.
- Storefront Widget: Render a JavaScript UI component on product pages showing monthly payment breakdowns (e.g., '$50/mo in 4 payments').

3. FAILURE MODES & EDGE CASES
- If an off-session charge fails, mark status as `failed`, increment retry count, and trigger a dunning notification.
- Enforce a 3-tier retry schedule (1 day, 3 days, 7 days) before setting the plan status to `defaulted`.
- Strict rule: Do NOT accept, touch, or process raw credit card numbers. Rely entirely on Stripe payment method tokens.

4. OUT OF SCOPE
- Do not attempt long-term pre-authorization holds on customer credit cards.
- Do not build underwriting or credit scoring algorithms.

$ each button prefixes agent-specific run instructions · build your own product, never copy proprietary code, trademarks or designs