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Integrate Taiwan payment service providers including credit card, ATM transfer, convenience store payment, and mobile wallets (LINE Pay, JKoPay).
Passed 16 of 23 test cases with the skill, and 12 of 23 without it.
and 2 more in the full report
4 fixed12 passed either way7 still failing0 broke
Tokens, turns and time describe resource use, not a dollar price.
One of 4 test cases the skill fixed. Same model, same prompt, with and without the skill.
We are launching an online clothing boutique in Taiwan and need a complete payment system strategy. Please generate a tailored Payment Integration Plan for our business. The document should feature a payment method breakdown table detailing which payment types to include along with suggested PSPs and reasoning, a dedicated PSP selection section detailing the provider, estimated pricing, and rationale, a step-by-step technical implementation schedule with phases and estimated timelines, and a summary explaining how refunds are managed across each payment option.
| Checked | Without skill | With skill |
|---|---|---|
| Uses '# Payment Integration Plan:' as the main document header structure. | Missed | Passed |
| Recommends incorporating credit cards, ATM virtual accounts, and convenience store payments to cover baseline consumer expectations. | Passed | Passed |
| Specifies that convenience store and ATM payments require manual bank wire transfers for refunds. | Passed | Passed |
The instructions your model reads when the skill loads.
IRON LAW: Support At Least 3 Payment Methods in Taiwan
Taiwan consumers expect choice. Credit card alone misses ~40% of potential
buyers. The minimum viable payment mix for Taiwan e-commerce:
1. Credit card (信用卡)
2. ATM/bank transfer (ATM 虛擬帳號)
3. Convenience store payment (超商代碼/超商取貨付款)
Adding LINE Pay and Apple Pay captures another 10-15%.
| Method | Market Share | User Profile | Settlement Time |
|---|---|---|---|
| Credit/Debit card | ~45% | All ages, higher spending | T+1 to T+7 |
| ATM virtual account | ~15% | Price-sensitive, no credit card | Instant to T+1 |
| Convenience store (超商代碼) | ~10% | Students, cash-preferred | T+1 to T+3 |
| LINE Pay | ~12% | LINE users (95% of Taiwan) | T+1 to T+7 |
| Apple Pay / Google Pay | ~5% | Mobile-first users | T+1 to T+7 |
| 超商取貨付款 (COD at store) | ~8% | Low trust, want to see product | Upon pickup + T+3 |
| JKoPay / 街口 | ~3% | Younger demographic | T+1 |
| PSP | Strengths | Pricing | Best For |
|---|---|---|---|
| 綠界 (ECPay) | Most comprehensive (credit card, ATM, CVS, 超取), largest market share | 2.75% credit card, NT$15/ATM txn | General e-commerce, startups |
| 藍新 (NewebPay) | Good API design, modern dashboard | 2.5-2.8% credit card | SaaS, subscription businesses |
| TapPay | Mobile-first, Apple Pay/Google Pay/LINE Pay integration | 2.5-2.8% credit card | Mobile apps, in-app purchases |
| PayNow | Easy setup, no monthly fee | 2.75% credit card | Low-volume, new businesses |
| Stripe | International, excellent API | 3.4% + NT$10 per txn | Cross-border, international focus |
test cases passed, vs 12 / 23 without
More skills from the same source and nearby in the registry, with their headline benchmark lift.