---

name: monetization description: "数字产品变现策略与实施 - Stripe、订阅、定价实验、免费增值、升级流程、流失预防、收入优化及 SaaS 商业模式。" risk: none source: community date_added: '2026-03-06' author: renat tags:

• monetization
• stripe
• saas
• pricing
• subscriptions tools:
• claude-code
• antigravity
• cursor
• gemini-cli
• codex-cli

---

变现 - 从产品到收入

概述

数字产品变现策略与实施 - Stripe、订阅、定价实验、免费增值、升级流程、流失预防、收入优化及 SaaS 商业模式。适用场景：集成 Stripe、创建订阅计划、定价策略、升级/降级、支付 webhook、免费试用、流失分析、LTV/CAC、单位经济学、商业模式。

何时使用此技能

• 当你需要该领域的专业协助时

不适用场景

• 任务与变现无关
• 更简单、更具针对性的工具可以处理该请求
• 用户需要的是通用帮助而非领域专业知识

工作原理

价格是你付出的，价值是你得到的。 - 沃伦·巴菲特 完美的变现是按照交付的价值比例来获取收益。

---

黄金法则

用户愿意付费的条件：

1. 产品解决了真实问题（需求）
2. 解决方案优于替代品（差异化）
3. 价格被认为是公平的（价值感知）
4. 收费时机自然（时机）

经典错误

• 在展示价值之前收费（扼杀激活）
• 价格过低（暗示低质量）
• 计划过多（选择瘫痪）
• 试用不需要信用卡（低转化率）
• 流失不可见（没有即将取消的警报）

---

初始设置

pip install stripe

## 或者

npm install stripe

## Config.Py

import stripe
import os

stripe.api_key = os.environ["STRIPE_SECRET_KEY"]
STRIPE_WEBHOOK_SECRET = os.environ["STRIPE_WEBHOOK_SECRET"]

PLANS = {
    "free": None,
    "pro": os.environ["STRIPE_PRICE_PRO"],
    "business": os.environ["STRIPE_PRICE_BIZ"],
}

创建客户和订阅

def create_customer(email: str, name: str, user_id: str) -> str:
    customer = stripe.Customer.create(
        email=email,
        name=name,
        metadata={"user_id": user_id}
    )
    return customer.id

def create_subscription(customer_id: str, price_id: str, trial_days: int = 14):
    subscription = stripe.Subscription.create(
        customer=customer_id,
        items=[{"price": price_id}],
        trial_period_days=trial_days,
        payment_behavior="default_incomplete",
        expand=["latest_invoice.payment_intent"],
    )
    return {
        "subscription_id": subscription.id,
        "client_secret": subscription.latest_invoice.payment_intent.client_secret,
        "status": subscription.status
    }

Checkout Session（推荐用于提高转化率）

def create_checkout_session(
    customer_id: str,
    price_id: str,
    success_url: str,
    cancel_url: str,
    trial_days: int = 14
) -> str:
    session = stripe.checkout.Session.create(
        customer=customer_id,
        mode="subscription",
        line_items=[{"price": price_id, "quantity": 1}],
        subscription_data={"trial_period_days": trial_days},
        success_url=success_url + "?session_id={CHECKOUT_SESSION_ID}",
        cancel_url=cancel_url,
        allow_promotion_codes=True,
    )
    return session.url

客户门户（自助服务）

def create_portal_session(customer_id: str, return_url: str) -> str:
    session = stripe.billing_portal.Session.create(
        customer=customer_id,
        return_url=return_url,
    )
    return session.url

Webhook - 处理事件

from fastapi import Request, HTTPException
import stripe

async def stripe_webhook(request: Request):
    payload = await request.body()
    sig_header = request.headers.get("stripe-signature")

    try:
        event = stripe.Webhook.construct_event(
            payload, sig_header, STRIPE_WEBHOOK_SECRET
        )
    except ValueError:
        raise HTTPException(status_code=400, detail="Invalid payload")
    except stripe.error.SignatureVerificationError:
        raise HTTPException(status_code=400, detail="Invalid signature")

    handlers = {
        "customer.subscription.created": handle_subscription_created,
        "customer.subscription.updated": handle_subscription_updated,
        "customer.subscription.deleted": handle_subscription_deleted,
        "invoice.payment_succeeded": handle_payment_succeeded,
        "invoice.payment_failed": handle_payment_failed,
        "customer.subscription.trial_will_end": handle_trial_ending,
    }

    handler = handlers.get(event["type"])
    if handler:
        await handler(event["data"]["object"])

    return {"status": "ok"}

验证订阅状态

def check_subscription_status(customer_id: str) -> dict:
    subscriptions = stripe.Subscription.list(
        customer=customer_id,
        status="all",
        limit=1
    )
    if not subscriptions.data:
        return {"plan": "free", "status": "none"}

    sub = subscriptions.data[0]
    return {
        "plan": sub.items.data[0].price.lookup_key,
        "status": sub.status,
        "current_period_end": sub.current_period_end,
        "cancel_at_period_end": sub.cancel_at_period_end
    }