docs: add comprehensive usage examples to README

Add detailed usage examples section with practical code samples for:
- Creating payments with different providers
- Creating invoices with embedded and relationship-based customer data
- Creating refunds
- Querying payments and invoices
- Updating payment status
- Using the test provider for local development
- REST API examples with cURL commands

Also add table of contents for easier navigation.

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude <noreply@anthropic.com>

README.md

@@ -6,6 +6,23 @@ A billing and payment provider plugin for PayloadCMS 3.x. Supports Stripe, Molli
 
 ⚠️ **Pre-release Warning**: This package is currently in active development (v0.1.x). Breaking changes may occur before v1.0.0. Not recommended for production use.
 
+## Table of Contents
+
+- [Features](#features)
+- [Installation](#installation)
+- [Quick Start](#quick-start)
+- [Imports](#imports)
+- [Usage Examples](#usage-examples)
+  - [Creating a Payment](#creating-a-payment)
+  - [Creating an Invoice](#creating-an-invoice)
+  - [Creating a Refund](#creating-a-refund)
+  - [Querying Payments](#querying-payments)
+  - [Using REST API](#using-rest-api)
+- [Provider Types](#provider-types)
+- [Collections](#collections)
+- [Webhook Endpoints](#webhook-endpoints)
+- [Development](#development)
+
 ## Features
 
 - 💳 Multiple payment providers (Stripe, Mollie, Test)
@@ -190,6 +207,272 @@ The plugin supports flexible customer data handling:
 
 3. **No Customer Collection**: Customer info fields always required and editable, no relationship field available
 
+## Usage Examples
+
+### Creating a Payment
+
+Payments are created through PayloadCMS's local API or REST API. The plugin automatically initializes the payment with the configured provider.
+
+```typescript
+// Using Payload Local API
+const payment = await payload.create({
+  collection: 'payments',
+  data: {
+    provider: 'stripe', // or 'mollie' or 'test'
+    amount: 2000, // Amount in cents ($20.00)
+    currency: 'USD',
+    description: 'Product purchase',
+    status: 'pending',
+    metadata: {
+      orderId: 'order-123',
+      customerId: 'cust-456'
+    }
+  }
+})
+```
+
+### Creating an Invoice
+
+Invoices can be created with customer information embedded or linked via relationship:
+
+```typescript
+// Create invoice with embedded customer info
+const invoice = await payload.create({
+  collection: 'invoices',
+  data: {
+    customerInfo: {
+      name: 'John Doe',
+      email: 'john@example.com',
+      phone: '+1234567890',
+      company: 'Acme Corp',
+      taxId: 'TAX-123'
+    },
+    billingAddress: {
+      line1: '123 Main St',
+      line2: 'Suite 100',
+      city: 'New York',
+      state: 'NY',
+      postalCode: '10001',
+      country: 'US'
+    },
+    currency: 'USD',
+    items: [
+      {
+        description: 'Web Development Services',
+        quantity: 10,
+        unitAmount: 5000 // $50.00 per hour
+      },
+      {
+        description: 'Hosting (Monthly)',
+        quantity: 1,
+        unitAmount: 2500 // $25.00
+      }
+    ],
+    taxAmount: 7500, // $75.00 tax
+    status: 'open'
+  }
+})
+
+console.log(`Invoice created: ${invoice.number}`)
+console.log(`Total amount: $${invoice.amount / 100}`)
+```
+
+### Creating an Invoice with Customer Relationship
+
+If you've configured a customer collection with `customerRelationSlug` and `customerInfoExtractor`:
+
+```typescript
+// Create invoice linked to customer (info auto-populated)
+const invoice = await payload.create({
+  collection: 'invoices',
+  data: {
+    customer: 'customer-id-123', // Customer relationship
+    currency: 'USD',
+    items: [
+      {
+        description: 'Subscription - Pro Plan',
+        quantity: 1,
+        unitAmount: 9900 // $99.00
+      }
+    ],
+    status: 'open'
+    // customerInfo and billingAddress are auto-populated from customer
+  }
+})
+```
+
+### Creating a Refund
+
+Refunds are linked to existing payments:
+
+```typescript
+const refund = await payload.create({
+  collection: 'refunds',
+  data: {
+    payment: payment.id, // Link to payment
+    providerId: 'refund-provider-id', // Provider's refund ID
+    amount: 1000, // Partial refund: $10.00
+    currency: 'USD',
+    status: 'succeeded',
+    reason: 'requested_by_customer',
+    description: 'Customer requested partial refund'
+  }
+})
+```
+
+### Querying Payments
+
+```typescript
+// Find all successful payments
+const payments = await payload.find({
+  collection: 'payments',
+  where: {
+    status: {
+      equals: 'succeeded'
+    }
+  }
+})
+
+// Find payments for a specific invoice
+const invoicePayments = await payload.find({
+  collection: 'payments',
+  where: {
+    invoice: {
+      equals: invoiceId
+    }
+  }
+})
+```
+
+### Updating Payment Status
+
+Payment status is typically updated via webhooks, but you can also update manually:
+
+```typescript
+const updatedPayment = await payload.update({
+  collection: 'payments',
+  id: payment.id,
+  data: {
+    status: 'succeeded',
+    providerData: {
+      // Provider-specific data
+      raw: providerResponse,
+      timestamp: new Date().toISOString(),
+      provider: 'stripe'
+    }
+  }
+})
+```
+
+### Marking an Invoice as Paid
+
+```typescript
+const paidInvoice = await payload.update({
+  collection: 'invoices',
+  id: invoice.id,
+  data: {
+    status: 'paid',
+    payment: payment.id // Link to payment
+    // paidAt is automatically set by the plugin
+  }
+})
+```
+
+### Using the Test Provider
+
+The test provider is useful for local development:
+
+```typescript
+// In your payload.config.ts
+import { billingPlugin, testProvider } from '@xtr-dev/payload-billing'
+
+billingPlugin({
+  providers: [
+    testProvider({
+      enabled: true,
+      testModeIndicators: {
+        showWarningBanners: true,
+        showTestBadges: true,
+        consoleWarnings: true
+      }
+    })
+  ],
+  collections: {
+    payments: 'payments',
+    invoices: 'invoices',
+    refunds: 'refunds',
+  }
+})
+```
+
+Then create test payments:
+
+```typescript
+const testPayment = await payload.create({
+  collection: 'payments',
+  data: {
+    provider: 'test',
+    amount: 5000,
+    currency: 'USD',
+    description: 'Test payment',
+    status: 'pending'
+  }
+})
+// Test provider automatically processes the payment
+```
+
+### Using REST API
+
+All collections can be accessed via PayloadCMS REST API:
+
+```bash
+# Create a payment
+curl -X POST http://localhost:3000/api/payments \
+  -H "Content-Type: application/json" \
+  -H "Authorization: Bearer YOUR_TOKEN" \
+  -d '{
+    "provider": "stripe",
+    "amount": 2000,
+    "currency": "USD",
+    "description": "Product purchase",
+    "status": "pending"
+  }'
+
+# Create an invoice
+curl -X POST http://localhost:3000/api/invoices \
+  -H "Content-Type: application/json" \
+  -H "Authorization: Bearer YOUR_TOKEN" \
+  -d '{
+    "customerInfo": {
+      "name": "John Doe",
+      "email": "john@example.com"
+    },
+    "billingAddress": {
+      "line1": "123 Main St",
+      "city": "New York",
+      "postalCode": "10001",
+      "country": "US"
+    },
+    "currency": "USD",
+    "items": [
+      {
+        "description": "Service",
+        "quantity": 1,
+        "unitAmount": 5000
+      }
+    ],
+    "status": "open"
+  }'
+
+# Get all payments
+curl http://localhost:3000/api/payments \
+  -H "Authorization: Bearer YOUR_TOKEN"
+
+# Get a specific invoice
+curl http://localhost:3000/api/invoices/INVOICE_ID \
+  -H "Authorization: Bearer YOUR_TOKEN"
+```
+
 ## Webhook Endpoints
 
 Automatic webhook endpoints are created for configured providers:

package.json

@@ -1,6 +1,6 @@
 {
   "name": "@xtr-dev/payload-billing",
-  "version": "0.1.8",
+  "version": "0.1.12",
   "description": "PayloadCMS plugin for billing and payment provider integrations with tracking and local testing",
   "license": "MIT",
   "type": "module",

src/collections/hooks.ts

@@ -2,10 +2,12 @@ import type { Payment } from '../plugin/types/index'
 import type { Payload } from 'payload'
 import { useBillingPlugin } from '../plugin/index'
 
-export const initProviderPayment = (payload: Payload, payment: Partial<Payment>) => {
+export const initProviderPayment = async (payload: Payload, payment: Partial<Payment>): Promise<Partial<Payment>> => {
   const billing = useBillingPlugin(payload)
   if (!payment.provider || !billing.providerConfig[payment.provider]) {
     throw new Error(`Provider ${payment.provider} not found.`)
   }
-  return billing.providerConfig[payment.provider].initPayment(payload, payment)
+  // Handle both async and non-async initPayment functions
+  const result = billing.providerConfig[payment.provider].initPayment(payload, payment)
+  return await Promise.resolve(result)
 }

src/collections/invoices.ts

@@ -5,10 +5,11 @@ import {
   CollectionBeforeValidateHook,
   CollectionConfig, Field,
 } from 'payload'
-import type { BillingPluginConfig} from '../plugin/config';
-import { defaults } from '../plugin/config'
-import { extractSlug } from '../plugin/utils'
-import type { Invoice } from '../plugin/types/invoices'
+import type { BillingPluginConfig} from '@/plugin/config';
+import { defaults } from '@/plugin/config'
+import { extractSlug } from '@/plugin/utils'
+import { createContextLogger } from '@/utils/logger'
+import type { Invoice } from '@/plugin/types'
 
 export function createInvoicesCollection(pluginConfig: BillingPluginConfig): CollectionConfig {
   const {customerRelationSlug, customerInfoExtractor} = pluginConfig
@@ -314,7 +315,8 @@ export function createInvoicesCollection(pluginConfig: BillingPluginConfig): Col
       afterChange: [
         ({ doc, operation, req }) => {
           if (operation === 'create') {
-            req.payload.logger.info(`Invoice created: ${doc.number}`)
+            const logger = createContextLogger(req.payload, 'Invoices Collection')
+            logger.info(`Invoice created: ${doc.number}`)
           }
         },
       ] satisfies CollectionAfterChangeHook<Invoice>[],
@@ -350,7 +352,8 @@ export function createInvoicesCollection(pluginConfig: BillingPluginConfig): Col
                   data.billingAddress = extractedInfo.billingAddress
                 }
               } catch (error) {
-                req.payload.logger.error(`Failed to extract customer info: ${error}`)
+                const logger = createContextLogger(req.payload, 'Invoices Collection')
+                logger.error(`Failed to extract customer info: ${error}`)
                 throw new Error('Failed to extract customer information')
               }
             }

src/collections/refunds.ts

@@ -2,6 +2,7 @@ import type { AccessArgs, CollectionConfig } from 'payload'
 import { BillingPluginConfig, defaults } from '../plugin/config'
 import { extractSlug } from '../plugin/utils'
 import { Payment } from '../plugin/types/index'
+import { createContextLogger } from '../utils/logger'
 
 export function createRefundsCollection(pluginConfig: BillingPluginConfig): CollectionConfig {
   // TODO: finish collection overrides
@@ -111,7 +112,8 @@ export function createRefundsCollection(pluginConfig: BillingPluginConfig): Coll
       afterChange: [
         async ({ doc, operation, req }) => {
           if (operation === 'create') {
-            req.payload.logger.info(`Refund created: ${doc.id} for payment: ${doc.payment}`)
+            const logger = createContextLogger(req.payload, 'Refunds Collection')
+            logger.info(`Refund created: ${doc.id} for payment: ${doc.payment}`)
 
             // Update the related payment's refund relationship
             try {
@@ -129,7 +131,8 @@ export function createRefundsCollection(pluginConfig: BillingPluginConfig): Coll
                 },
               })
             } catch (error) {
-              req.payload.logger.error(`Failed to update payment refunds: ${error}`)
+              const logger = createContextLogger(req.payload, 'Refunds Collection')
+              logger.error(`Failed to update payment refunds: ${error}`)
             }
           }
         },

src/index.ts

@@ -5,12 +5,16 @@ export type { BillingPluginConfig, CustomerInfoExtractor, AdvancedTestProviderCo
 export type { Invoice, Payment, Refund } from './plugin/types/index.js'
 export type { PaymentProvider, ProviderData } from './providers/types.js'
 
+// Export logging utilities
+export { getPluginLogger, createContextLogger } from './utils/logger.js'
+
 // Export all providers
 export { testProvider } from './providers/test.js'
 export type {
   StripeProviderConfig,
   MollieProviderConfig,
   TestProviderConfig,
+  TestProviderConfigResponse,
   PaymentOutcome,
   PaymentMethod,
   PaymentScenario

src/plugin/config.ts

@@ -55,6 +55,6 @@ export interface BillingPluginConfig {
   customerInfoExtractor?: CustomerInfoExtractor // Callback to extract customer info from relationship
   customerRelationSlug?: string // Customer collection slug for relationship
   disabled?: boolean
-  providers?: PaymentProvider[]
+  providers?: (PaymentProvider | undefined | null)[]
 }
 

src/plugin/index.ts

@@ -28,8 +28,8 @@ export const billingPlugin = (pluginConfig: BillingPluginConfig = {}) => (config
   ];
 
   (pluginConfig.providers || [])
-    .filter(provider => provider.onConfig)
-    .forEach(provider => provider.onConfig!(config, pluginConfig))
+    .filter(provider => provider?.onConfig)
+    .forEach(provider => provider?.onConfig!(config, pluginConfig))
 
   const incomingOnInit = config.onInit
   config.onInit = async (payload) => {
@@ -38,17 +38,17 @@ export const billingPlugin = (pluginConfig: BillingPluginConfig = {}) => (config
     }
     singleton.set(payload, {
       config: pluginConfig,
-      providerConfig: (pluginConfig.providers || []).reduce(
+      providerConfig: (pluginConfig.providers || []).filter(Boolean).reduce(
         (record, provider) => {
-          record[provider.key] = provider
+          record[provider!.key] = provider as PaymentProvider
           return record
         },
         {} as Record<string, PaymentProvider>
       )
     } satisfies BillingPlugin)
     await Promise.all((pluginConfig.providers || [])
-      .filter(provider => provider.onInit)
-      .map(provider => provider.onInit!(payload)))
+      .filter(provider => provider?.onInit)
+      .map(provider => provider?.onInit!(payload)))
   }
 
   return config

src/providers/index.ts

@@ -7,4 +7,4 @@ export * from './currency'
 // Re-export provider configurations and types
 export type { StripeProviderConfig } from './stripe'
 export type { MollieProviderConfig } from './mollie'
-export type { TestProviderConfig, PaymentOutcome, PaymentMethod, PaymentScenario } from './test'
+export type { TestProviderConfig, TestProviderConfigResponse, PaymentOutcome, PaymentMethod, PaymentScenario } from './test'

src/providers/mollie.ts

@@ -12,6 +12,7 @@ import {
   validateProductionUrl
 } from './utils'
 import { formatAmountForProvider, isValidAmount, isValidCurrencyCode } from './currency'
+import { createContextLogger } from '../utils/logger'
 
 const symbol = Symbol('mollie')
 export type MollieProviderConfig = Parameters<typeof createMollieClient>[0]
@@ -96,12 +97,13 @@ export const mollieProvider = (mollieConfig: MollieProviderConfig & {
               if (status === 'succeeded' && updateSuccess) {
                 await updateInvoiceOnPaymentSuccess(payload, payment, pluginConfig)
               } else if (!updateSuccess) {
-                console.warn(`[Mollie Webhook] Failed to update payment ${payment.id}, skipping invoice update`)
+                const logger = createContextLogger(payload, 'Mollie Webhook')
+                logger.warn(`Failed to update payment ${payment.id}, skipping invoice update`)
               }
 
               return webhookResponses.success()
             } catch (error) {
-              return handleWebhookError('Mollie', error)
+              return handleWebhookError('Mollie', error, undefined, req.payload)
             }
           }
         }

src/providers/stripe.ts

@@ -12,6 +12,7 @@ import {
   logWebhookEvent
 } from './utils'
 import { isValidAmount, isValidCurrencyCode } from './currency'
+import { createContextLogger } from '../utils/logger'
 
 const symbol = Symbol('stripe')
 
@@ -60,13 +61,13 @@ export const stripeProvider = (stripeConfig: StripeProviderConfig) => {
                   return webhookResponses.missingBody()
                 }
               } catch (error) {
-                return handleWebhookError('Stripe', error, 'Failed to read request body')
+                return handleWebhookError('Stripe', error, 'Failed to read request body', req.payload)
               }
 
               const signature = req.headers.get('stripe-signature')
 
               if (!signature) {
-                return webhookResponses.error('Missing webhook signature', 400)
+                return webhookResponses.error('Missing webhook signature', 400, req.payload)
               }
 
               // webhookSecret is guaranteed to exist since we only register this endpoint when it's configured
@@ -76,7 +77,7 @@ export const stripeProvider = (stripeConfig: StripeProviderConfig) => {
               try {
                 event = stripe.webhooks.constructEvent(body, signature, stripeConfig.webhookSecret!)
               } catch (err) {
-                return handleWebhookError('Stripe', err, 'Signature verification failed')
+                return handleWebhookError('Stripe', err, 'Signature verification failed', req.payload)
               }
 
               // Handle different event types
@@ -90,7 +91,7 @@ export const stripeProvider = (stripeConfig: StripeProviderConfig) => {
                   const payment = await findPaymentByProviderId(payload, paymentIntent.id, pluginConfig)
 
                   if (!payment) {
-                    logWebhookEvent('Stripe', `Payment not found for intent: ${paymentIntent.id}`)
+                    logWebhookEvent('Stripe', `Payment not found for intent: ${paymentIntent.id}`, undefined, req.payload)
                     return webhookResponses.success() // Still return 200 to acknowledge receipt
                   }
 
@@ -129,7 +130,8 @@ export const stripeProvider = (stripeConfig: StripeProviderConfig) => {
                   if (status === 'succeeded' && updateSuccess) {
                     await updateInvoiceOnPaymentSuccess(payload, payment, pluginConfig)
                   } else if (!updateSuccess) {
-                    console.warn(`[Stripe Webhook] Failed to update payment ${payment.id}, skipping invoice update`)
+                    const logger = createContextLogger(payload, 'Stripe Webhook')
+                    logger.warn(`Failed to update payment ${payment.id}, skipping invoice update`)
                   }
                   break
                 }
@@ -172,7 +174,8 @@ export const stripeProvider = (stripeConfig: StripeProviderConfig) => {
                     )
 
                     if (!updateSuccess) {
-                      console.warn(`[Stripe Webhook] Failed to update refund status for payment ${payment.id}`)
+                      const logger = createContextLogger(payload, 'Stripe Webhook')
+                      logger.warn(`Failed to update refund status for payment ${payment.id}`)
                     }
                   }
                   break
@@ -180,19 +183,16 @@ export const stripeProvider = (stripeConfig: StripeProviderConfig) => {
 
                 default:
                   // Unhandled event type
-                  logWebhookEvent('Stripe', `Unhandled event type: ${event.type}`)
+                  logWebhookEvent('Stripe', `Unhandled event type: ${event.type}`, undefined, req.payload)
               }
 
               return webhookResponses.success()
             } catch (error) {
-              return handleWebhookError('Stripe', error)
+              return handleWebhookError('Stripe', error, undefined, req.payload)
             }
             }
           }
         ]
-      } else {
-        // Log that webhook endpoint is not registered
-        console.warn('[Stripe Provider] Webhook endpoint not registered - webhookSecret not configured')
       }
     },
     onInit: async (payload: Payload) => {
@@ -201,6 +201,12 @@ export const stripeProvider = (stripeConfig: StripeProviderConfig) => {
         apiVersion: stripeConfig.apiVersion || DEFAULT_API_VERSION,
       })
       singleton.set(payload, stripe)
+
+      // Log webhook registration status
+      if (!stripeConfig.webhookSecret) {
+        const logger = createContextLogger(payload, 'Stripe Provider')
+        logger.warn('Webhook endpoint not registered - webhookSecret not configured')
+      }
     },
     initPayment: async (payload, payment) => {
       // Validate required fields

src/providers/test.ts

@@ -4,6 +4,110 @@ import type { BillingPluginConfig } from '../plugin/config'
 import type { Payload } from 'payload'
 import { handleWebhookError, logWebhookEvent } from './utils'
 import { isValidAmount, isValidCurrencyCode } from './currency'
+import { createContextLogger } from '../utils/logger'
+
+const TestModeWarningSymbol = Symbol('TestModeWarning')
+const hasGivenTestModeWarning = () => TestModeWarningSymbol in globalThis
+const setTestModeWarning = () => ((<any>globalThis)[TestModeWarningSymbol] = true)
+
+
+// Request validation schemas
+interface ProcessPaymentRequest {
+  paymentId: string
+  scenarioId: string
+  method: PaymentMethod
+}
+
+// Validation functions
+function validateProcessPaymentRequest(body: any): { isValid: boolean; data?: ProcessPaymentRequest; error?: string } {
+  if (!body || typeof body !== 'object') {
+    return { isValid: false, error: 'Request body must be a valid JSON object' }
+  }
+
+  const { paymentId, scenarioId, method } = body
+
+  if (!paymentId || typeof paymentId !== 'string') {
+    return { isValid: false, error: 'paymentId is required and must be a string' }
+  }
+
+  if (!scenarioId || typeof scenarioId !== 'string') {
+    return { isValid: false, error: 'scenarioId is required and must be a string' }
+  }
+
+  if (!method || typeof method !== 'string') {
+    return { isValid: false, error: 'method is required and must be a string' }
+  }
+
+  // Validate method is a valid payment method
+  const validMethods: PaymentMethod[] = ['ideal', 'creditcard', 'paypal', 'applepay', 'banktransfer']
+  if (!validMethods.includes(method as PaymentMethod)) {
+    return { isValid: false, error: `method must be one of: ${validMethods.join(', ')}` }
+  }
+
+  return {
+    isValid: true,
+    data: { paymentId, scenarioId, method: method as PaymentMethod }
+  }
+}
+
+function validatePaymentId(paymentId: string): { isValid: boolean; error?: string } {
+  if (!paymentId || typeof paymentId !== 'string') {
+    return { isValid: false, error: 'Payment ID is required and must be a string' }
+  }
+
+  // Validate payment ID format (should match test payment ID pattern)
+  if (!paymentId.startsWith('test_pay_')) {
+    return { isValid: false, error: 'Invalid payment ID format' }
+  }
+
+  return { isValid: true }
+}
+
+// Utility function to safely extract collection name
+function getPaymentsCollectionName(pluginConfig: BillingPluginConfig): string {
+  if (typeof pluginConfig.collections?.payments === 'string') {
+    return pluginConfig.collections.payments
+  }
+  return 'payments'
+}
+
+// Enhanced error handling utility for database operations
+async function updatePaymentInDatabase(
+  payload: Payload,
+  sessionId: string,
+  status: Payment['status'],
+  providerData: ProviderData,
+  pluginConfig: BillingPluginConfig
+): Promise<{ success: boolean; error?: string }> {
+  try {
+    const paymentsCollection = getPaymentsCollectionName(pluginConfig)
+    const payments = await payload.find({
+      collection: paymentsCollection as any, // PayloadCMS collection type constraint
+      where: { providerId: { equals: sessionId } },
+      limit: 1
+    })
+
+    if (payments.docs.length === 0) {
+      return { success: false, error: 'Payment not found in database' }
+    }
+
+    await payload.update({
+      collection: paymentsCollection as any, // PayloadCMS collection type constraint
+      id: payments.docs[0].id,
+      data: {
+        status,
+        providerData
+      }
+    })
+
+    return { success: true }
+  } catch (error) {
+    const errorMessage = error instanceof Error ? error.message : 'Unknown database error'
+    const logger = createContextLogger(payload, 'Test Provider')
+    logger.error('Database update failed:', errorMessage)
+    return { success: false, error: errorMessage }
+  }
+}
 
 export type PaymentOutcome = 'paid' | 'failed' | 'cancelled' | 'expired' | 'pending'
 
@@ -31,6 +135,23 @@ export interface TestProviderConfig {
   baseUrl?: string
 }
 
+export interface TestProviderConfigResponse {
+  enabled: boolean
+  scenarios: PaymentScenario[]
+  methods: Array<{
+    id: string
+    name: string
+    icon: string
+  }>
+  testModeIndicators: {
+    showWarningBanners: boolean
+    showTestBadges: boolean
+    consoleWarnings: boolean
+  }
+  defaultDelay: number
+  customUiRoute: string
+}
+
 // Properly typed session interface
 export interface TestPaymentSession {
   id: string
@@ -103,17 +224,14 @@ const testPaymentSessions = new Map<string, TestPaymentSession>()
 
 export const testProvider = (testConfig: TestProviderConfig) => {
   if (!testConfig.enabled) {
-    throw new Error('Test provider is disabled')
+    return
   }
 
   const scenarios = testConfig.scenarios || DEFAULT_SCENARIOS
   const baseUrl = testConfig.baseUrl || (process.env.PAYLOAD_PUBLIC_SERVER_URL || 'http://localhost:3000')
   const uiRoute = testConfig.customUiRoute || '/test-payment'
 
-  // Log test mode warnings if enabled
-  if (testConfig.testModeIndicators?.consoleWarnings !== false) {
-    console.warn('🧪 [TEST PROVIDER] Payment system is running in test mode')
-  }
+  // Test mode warnings will be logged in onInit when payload is available
 
   return {
     key: 'test',
@@ -124,17 +242,33 @@ export const testProvider = (testConfig: TestProviderConfig) => {
         {
           path: '/payload-billing/test/payment/:id',
           method: 'get',
-          handler: async (req) => {
+          handler: (req) => {
             // Extract payment ID from URL path
             const urlParts = req.url?.split('/') || []
             const paymentId = urlParts[urlParts.length - 1]
+
             if (!paymentId) {
-              return new Response('Payment ID required', { status: 400 })
+              return new Response(JSON.stringify({ error: 'Payment ID required' }), {
+                status: 400,
+                headers: { 'Content-Type': 'application/json' }
+              })
+            }
+
+            // Validate payment ID format
+            const validation = validatePaymentId(paymentId)
+            if (!validation.isValid) {
+              return new Response(JSON.stringify({ error: validation.error }), {
+                status: 400,
+                headers: { 'Content-Type': 'application/json' }
+              })
             }
 
             const session = testPaymentSessions.get(paymentId)
             if (!session) {
-              return new Response('Payment session not found', { status: 404 })
+              return new Response(JSON.stringify({ error: 'Payment session not found' }), {
+                status: 404,
+                headers: { 'Content-Type': 'application/json' }
+              })
             }
 
             // Generate test payment UI
@@ -144,6 +278,31 @@ export const testProvider = (testConfig: TestProviderConfig) => {
             })
           }
         },
+        {
+          path: '/payload-billing/test/config',
+          method: 'get',
+          handler: async (req) => {
+            const response: TestProviderConfigResponse = {
+              enabled: testConfig.enabled,
+              scenarios: scenarios,
+              methods: Object.entries(PAYMENT_METHODS).map(([id, method]) => ({
+                id,
+                name: method.name,
+                icon: method.icon
+              })),
+              testModeIndicators: {
+                showWarningBanners: testConfig.testModeIndicators?.showWarningBanners ?? true,
+                showTestBadges: testConfig.testModeIndicators?.showTestBadges ?? true,
+                consoleWarnings: testConfig.testModeIndicators?.consoleWarnings ?? true
+              },
+              defaultDelay: testConfig.defaultDelay || 1000,
+              customUiRoute: uiRoute
+            }
+            return new Response(JSON.stringify(response), {
+              headers: { 'Content-Type': 'application/json' }
+            })
+          }
+        },
         {
           path: '/payload-billing/test/process',
           method: 'post',
@@ -151,7 +310,17 @@ export const testProvider = (testConfig: TestProviderConfig) => {
             try {
               const payload = req.payload
               const body = await req.json?.() || {}
-              const { paymentId, scenarioId, method } = body as any
+
+              // Validate request body
+              const validation = validateProcessPaymentRequest(body)
+              if (!validation.isValid) {
+                return new Response(JSON.stringify({ error: validation.error }), {
+                  status: 400,
+                  headers: { 'Content-Type': 'application/json' }
+                })
+              }
+
+              const { paymentId, scenarioId, method } = validation.data!
 
               const session = testPaymentSessions.get(paymentId)
               if (!session) {
@@ -163,7 +332,7 @@ export const testProvider = (testConfig: TestProviderConfig) => {
 
               const scenario = scenarios.find(s => s.id === scenarioId)
               if (!scenario) {
-                return new Response(JSON.stringify({ error: 'Invalid scenario' }), {
+                return new Response(JSON.stringify({ error: 'Invalid scenario ID' }), {
                   status: 400,
                   headers: { 'Content-Type': 'application/json' }
                 })
@@ -177,36 +346,38 @@ export const testProvider = (testConfig: TestProviderConfig) => {
               // Process payment after delay
               setTimeout(() => {
                 processTestPayment(payload, session, pluginConfig).catch(async (error) => {
-                  console.error('[Test Provider] Failed to process payment:', error)
+                  const logger = createContextLogger(payload, 'Test Provider')
+                  logger.error('Failed to process payment:', error)
+
+                  // Ensure session status is updated consistently
                   session.status = 'failed'
 
-                  // Also update the payment record in database
-                  try {
-                    const paymentsCollection = (typeof pluginConfig.collections?.payments === 'string'
-                      ? pluginConfig.collections.payments
-                      : 'payments') as any
-                    const payments = await payload.find({
-                      collection: paymentsCollection,
-                      where: { providerId: { equals: session.id } },
-                      limit: 1
-                    })
+                  // Create error provider data
+                  const errorProviderData: ProviderData = {
+                    raw: {
+                      error: error instanceof Error ? error.message : 'Unknown processing error',
+                      processedAt: new Date().toISOString(),
+                      testMode: true
+                    },
+                    timestamp: new Date().toISOString(),
+                    provider: 'test'
+                  }
 
-                    if (payments.docs.length > 0) {
-                      await payload.update({
-                        collection: paymentsCollection,
-                        id: payments.docs[0].id,
-                        data: {
-                          status: 'failed',
-                          providerData: {
-                            raw: { error: error.message, processedAt: new Date().toISOString() },
-                            timestamp: new Date().toISOString(),
-                            provider: 'test'
-                          }
-                        }
-                      })
-                    }
-                  } catch (dbError) {
-                    console.error('[Test Provider] Failed to update payment in database:', dbError)
+                  // Update payment record in database with enhanced error handling
+                  const dbResult = await updatePaymentInDatabase(
+                    payload,
+                    session.id,
+                    'failed',
+                    errorProviderData,
+                    pluginConfig
+                  )
+
+                  if (!dbResult.success) {
+                    const logger = createContextLogger(payload, 'Test Provider')
+                    logger.error('Database error during failure handling:', dbResult.error)
+                    // Even if database update fails, we maintain session consistency
+                  } else {
+                    logWebhookEvent('Test Provider', `Payment ${session.id} marked as failed after processing error`, undefined, req.payload)
                   }
                 })
               }, scenario.delay || testConfig.defaultDelay || 1000)
@@ -220,17 +391,18 @@ export const testProvider = (testConfig: TestProviderConfig) => {
                 headers: { 'Content-Type': 'application/json' }
               })
             } catch (error) {
-              return handleWebhookError('Test Provider', error, 'Failed to process test payment')
+              return handleWebhookError('Test Provider', error, 'Failed to process test payment', req.payload)
             }
           }
         },
         {
           path: '/payload-billing/test/status/:id',
           method: 'get',
-          handler: async (req) => {
+          handler: (req) => {
             // Extract payment ID from URL path
             const urlParts = req.url?.split('/') || []
             const paymentId = urlParts[urlParts.length - 1]
+
             if (!paymentId) {
               return new Response(JSON.stringify({ error: 'Payment ID required' }), {
                 status: 400,
@@ -238,6 +410,15 @@ export const testProvider = (testConfig: TestProviderConfig) => {
               })
             }
 
+            // Validate payment ID format
+            const validation = validatePaymentId(paymentId)
+            if (!validation.isValid) {
+              return new Response(JSON.stringify({ error: validation.error }), {
+                status: 400,
+                headers: { 'Content-Type': 'application/json' }
+              })
+            }
+
             const session = testPaymentSessions.get(paymentId)
             if (!session) {
               return new Response(JSON.stringify({ error: 'Payment session not found' }), {
@@ -257,8 +438,15 @@ export const testProvider = (testConfig: TestProviderConfig) => {
         }
       ]
     },
-    onInit: async (payload: Payload) => {
-      logWebhookEvent('Test Provider', 'Test payment provider initialized')
+    onInit: (payload: Payload) => {
+      logWebhookEvent('Test Provider', 'Test payment provider initialized', undefined, payload)
+
+      // Log test mode warnings if enabled
+      if (testConfig.testModeIndicators?.consoleWarnings !== false && !hasGivenTestModeWarning()) {
+        setTestModeWarning()
+        const logger = createContextLogger(payload, 'Test Provider')
+        logger.warn('🧪 Payment system is running in test mode')
+      }
 
       // Clean up old sessions periodically (older than 1 hour)
       setInterval(() => {
@@ -270,7 +458,7 @@ export const testProvider = (testConfig: TestProviderConfig) => {
         })
       }, 10 * 60 * 1000) // Clean every 10 minutes
     },
-    initPayment: async (payload, payment) => {
+    initPayment: (payload, payment) => {
       // Validate required fields
       if (!payment.amount) {
         throw new Error('Amount is required')
@@ -362,52 +550,46 @@ async function processTestPayment(
     // Update session status
     session.status = session.scenario.outcome
 
-    // Find and update the payment in the database
-    const paymentsCollection = (typeof pluginConfig.collections?.payments === 'string'
-      ? pluginConfig.collections.payments
-      : 'payments') as any
-    const payments = await payload.find({
-      collection: paymentsCollection,
-      where: {
-        providerId: {
-          equals: session.id
-        }
+    // Update payment with final status and provider data
+    const updatedProviderData: ProviderData = {
+      raw: {
+        ...session.payment,
+        id: session.id,
+        status: session.scenario.outcome,
+        scenario: session.scenario.name,
+        method: session.method,
+        processedAt: new Date().toISOString(),
+        testMode: true
       },
-      limit: 1
-    })
+      timestamp: new Date().toISOString(),
+      provider: 'test'
+    }
 
-    if (payments.docs.length > 0) {
-      const payment = payments.docs[0]
+    // Use the utility function for database operations
+    const dbResult = await updatePaymentInDatabase(
+      payload,
+      session.id,
+      finalStatus,
+      updatedProviderData,
+      pluginConfig
+    )
 
-      // Update payment with final status and provider data
-      const updatedProviderData: ProviderData = {
-        raw: {
-          ...session.payment,
-          id: session.id,
-          status: session.scenario.outcome,
-          scenario: session.scenario.name,
-          method: session.method,
-          processedAt: new Date().toISOString(),
-          testMode: true
-        },
-        timestamp: new Date().toISOString(),
-        provider: 'test'
-      }
-
-      await payload.update({
-        collection: paymentsCollection,
-        id: payment.id,
-        data: {
-          status: finalStatus,
-          providerData: updatedProviderData
-        }
-      })
-
-      logWebhookEvent('Test Provider', `Payment ${session.id} processed with outcome: ${session.scenario.outcome}`)
+    if (dbResult.success) {
+      logWebhookEvent('Test Provider', `Payment ${session.id} processed with outcome: ${session.scenario.outcome}`, undefined, payload)
+    } else {
+      const logger = createContextLogger(payload, 'Test Provider')
+      logger.error('Failed to update payment in database:', dbResult.error)
+      // Update session status to indicate database error, but don't throw
+      // This allows the UI to still show the intended test result
+      session.status = 'failed'
+      throw new Error(`Database update failed: ${dbResult.error}`)
     }
   } catch (error) {
-    console.error('[Test Provider] Failed to process payment:', error)
+    const errorMessage = error instanceof Error ? error.message : 'Unknown processing error'
+    const logger = createContextLogger(payload, 'Test Provider')
+    logger.error('Failed to process payment:', errorMessage)
     session.status = 'failed'
+    throw error // Re-throw to be handled by the caller
   }
 }
 
@@ -746,12 +928,12 @@ function generateTestPaymentUI(
                     setTimeout(() => pollStatus(), 2000);
                 }
             } catch (error) {
-                console.error('Failed to poll status:', error);
+                console.error('[Test Provider] Failed to poll status:', error);
             }
         }
 
         ${testModeIndicators.consoleWarnings !== false ? `
-        console.warn('🧪 TEST MODE: This is a simulated payment interface for development purposes');
+        console.warn('[Test Provider] 🧪 TEST MODE: This is a simulated payment interface for development purposes');
         ` : ''}
     </script>
 </body>

src/providers/types.ts

@@ -2,7 +2,7 @@ import type { Payment } from '../plugin/types/payments'
 import type { Config, Payload } from 'payload'
 import type { BillingPluginConfig } from '../plugin/config'
 
-export type InitPayment = (payload: Payload, payment: Partial<Payment>) => Promise<Partial<Payment>>
+export type InitPayment = (payload: Payload, payment: Partial<Payment>) => Promise<Partial<Payment>> | Partial<Payment>
 
 export type PaymentProvider = {
   key: string

src/providers/utils.ts

@@ -4,6 +4,7 @@ import type { BillingPluginConfig } from '../plugin/config'
 import type { ProviderData } from './types'
 import { defaults } from '../plugin/config'
 import { extractSlug, toPayloadId } from '../plugin/utils'
+import { createContextLogger } from '../utils/logger'
 
 /**
  * Common webhook response utilities
@@ -11,9 +12,14 @@ import { extractSlug, toPayloadId } from '../plugin/utils'
  */
 export const webhookResponses = {
   success: () => Response.json({ received: true }, { status: 200 }),
-  error: (message: string, status = 400) => {
+  error: (message: string, status = 400, payload?: Payload) => {
     // Log error internally but don't expose details
-    console.error('[Webhook] Error:', message)
+    if (payload) {
+      const logger = createContextLogger(payload, 'Webhook')
+      logger.error('Error:', message)
+    } else {
+      console.error('[Webhook] Error:', message)
+    }
     return Response.json({ error: 'Invalid request' }, { status })
   },
   missingBody: () => Response.json({ received: true }, { status: 200 }),
@@ -63,7 +69,8 @@ export async function updatePaymentStatus(
     }) as Payment
 
     if (!currentPayment) {
-      console.error(`[Payment Update] Payment ${paymentId} not found`)
+      const logger = createContextLogger(payload, 'Payment Update')
+      logger.error(`Payment ${paymentId} not found`)
       return false
     }
 
@@ -74,7 +81,8 @@ export async function updatePaymentStatus(
     const transactionID = await payload.db.beginTransaction()
 
     if (!transactionID) {
-      console.error(`[Payment Update] Failed to begin transaction`)
+      const logger = createContextLogger(payload, 'Payment Update')
+      logger.error('Failed to begin transaction')
       return false
     }
 
@@ -89,7 +97,8 @@ export async function updatePaymentStatus(
       // Check if version still matches
       if ((paymentInTransaction.version || 1) !== currentVersion) {
         // Version conflict detected - payment was modified by another process
-        console.warn(`[Payment Update] Version conflict for payment ${paymentId} (expected version: ${currentVersion}, got: ${paymentInTransaction.version})`)
+        const logger = createContextLogger(payload, 'Payment Update')
+        logger.warn(`Version conflict for payment ${paymentId} (expected version: ${currentVersion}, got: ${paymentInTransaction.version})`)
         await payload.db.rollbackTransaction(transactionID)
         return false
       }
@@ -116,7 +125,8 @@ export async function updatePaymentStatus(
       throw error
     }
   } catch (error) {
-    console.error(`[Payment Update] Failed to update payment ${paymentId}:`, error)
+    const logger = createContextLogger(payload, 'Payment Update')
+    logger.error(`Failed to update payment ${paymentId}:`, error)
     return false
   }
 }
@@ -152,13 +162,19 @@ export async function updateInvoiceOnPaymentSuccess(
 export function handleWebhookError(
   provider: string,
   error: unknown,
-  context?: string
+  context?: string,
+  payload?: Payload
 ): Response {
   const message = error instanceof Error ? error.message : 'Unknown error'
-  const fullContext = context ? `[${provider} Webhook - ${context}]` : `[${provider} Webhook]`
+  const fullContext = context ? `${provider} Webhook - ${context}` : `${provider} Webhook`
 
   // Log detailed error internally for debugging
-  console.error(`${fullContext} Error:`, error)
+  if (payload) {
+    const logger = createContextLogger(payload, fullContext)
+    logger.error('Error:', error)
+  } else {
+    console.error(`[${fullContext}] Error:`, error)
+  }
 
   // Return generic response to avoid information disclosure
   return Response.json({
@@ -173,9 +189,15 @@ export function handleWebhookError(
 export function logWebhookEvent(
   provider: string,
   event: string,
-  details?: any
+  details?: any,
+  payload?: Payload
 ): void {
-  console.log(`[${provider} Webhook] ${event}`, details ? JSON.stringify(details) : '')
+  if (payload) {
+    const logger = createContextLogger(payload, `${provider} Webhook`)
+    logger.info(event, details ? JSON.stringify(details) : '')
+  } else {
+    console.log(`[${provider} Webhook] ${event}`, details ? JSON.stringify(details) : '')
+  }
 }
 
 /**

src/utils/logger.ts

@@ -0,0 +1,48 @@
+import type { Payload } from 'payload'
+
+let pluginLogger: any = null
+
+/**
+ * Get or create the plugin logger instance
+ * Uses PAYLOAD_BILLING_LOG_LEVEL environment variable to configure log level
+ * Defaults to 'info' if not set
+ */
+export function getPluginLogger(payload: Payload) {
+  if (!pluginLogger && payload.logger) {
+    const logLevel = process.env.PAYLOAD_BILLING_LOG_LEVEL || 'info'
+
+    pluginLogger = payload.logger.child({
+      level: logLevel,
+      plugin: '@xtr-dev/payload-billing'
+    })
+
+    // Log the configured log level on first initialization
+    pluginLogger.info(`Logger initialized with level: ${logLevel}`)
+  }
+
+  // Fallback to console if logger not available (shouldn't happen in normal operation)
+  if (!pluginLogger) {
+    return {
+      debug: (...args: any[]) => console.log('[BILLING DEBUG]', ...args),
+      info: (...args: any[]) => console.log('[BILLING INFO]', ...args),
+      warn: (...args: any[]) => console.warn('[BILLING WARN]', ...args),
+      error: (...args: any[]) => console.error('[BILLING ERROR]', ...args),
+    }
+  }
+
+  return pluginLogger
+}
+
+/**
+ * Create a context-specific logger for a particular operation
+ */
+export function createContextLogger(payload: Payload, context: string) {
+  const logger = getPluginLogger(payload)
+
+  return {
+    debug: (message: string, ...args: any[]) => logger.debug(`[${context}] ${message}`, ...args),
+    info: (message: string, ...args: any[]) => logger.info(`[${context}] ${message}`, ...args),
+    warn: (message: string, ...args: any[]) => logger.warn(`[${context}] ${message}`, ...args),
+    error: (message: string, ...args: any[]) => logger.error(`[${context}] ${message}`, ...args),
+  }
+}