Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add DaizeDong/buy-me-a-car --skill payment-method-decidergit clone --depth 1 https://github.com/DaizeDong/buy-me-a-carWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/daizedong/buy-me-a-car/payment-method-decider)<a href="https://agentmods.dev/skills/daizedong/buy-me-a-car/payment-method-decider"><img src="https://agentmods.dev/badge/skills/daizedong/buy-me-a-car/payment-method-decider/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/daizedong/buy-me-a-car/payment-method-decider"><img src="https://agentmods.dev/badge/skills/daizedong/buy-me-a-car/payment-method-decider.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00128 | $0.02460 |
| Opus 5 | $0.00064 | $0.01230 |
| Sonnet 5 | $0.00026 | $0.00492 |
| Haiku 4.5 | $0.00013 | $0.00246 |
Grade A, and why
payment-method-decider scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 10d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 175 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Payment Method Decider
Caveat: this skill is one author's playbook + 5-scenario stress test. Verify state fees / CPO terms / EV credits / dealer practices against current sources before quoting numbers to a dealer or making financial decisions. Not tax, legal, or financial advice. last_verified: 2026-05-18 (Phase 3B sub-skill split from orchestrator)
Narrow helper for picking the payment instrument at close. Use when buyer asks "should I pay by X" or when dealer pushes a specific payment channel. Payment method is load-bearing for OTD math and CANNOT be silently swapped.
When To Use
- Buyer asks "should I use credit card vs cashier's check"
- Card-rewards math (3% crypto-backed cashback, Amex, CSR, Citi DC) vs dealer surcharge
- Dealer claims POS card limit, buyer wants to push back
- Captive financing rebate vs credit union APR comparator
- Binding-constraint check on monthly cap vs OTD ceiling
- Lease cash / lease cap cost reduction routing
When NOT To Use
- General OTD math without payment-method dimension - use
otd-calculator - Lease structure end-to-end - use
lease_playbook.mdfirst - After purchase paperwork - use
close-day-checklist
Critical Rule
Payment method is LOAD-BEARING. Do NOT recommend financing to a cash buyer, or cashier's check to a buyer who wants card rewards. The buyer's chosen channel constrains:
- Dealer fees (some channels attach convenience fee)
- Effective OTD
- Negotiation leverage (cash often weaker than financing for back-end)
- Reward capture timing
If buyer's stated channel doesn't match the deal math, FLAG explicitly in heads-up.
Decision Matrix (Base Costs)
| Method | Cost | Clearing | Dealer Pref | Notes |
|---|---|---|---|---|
| Cashier's check | $0-15 | 1-3 days | High | Buyer-side mint at credit union |
| Personal check | $0 | 5-10 days | Low | Often rejected for >$5k |
| Debit card | $0 | Instant | Medium | Daily limit usually $5-10k; call bank to lift |
| Credit card | 2-3% surcharge >$5k | Instant | Low-Medium | See card math below |
| ACH (bank wire push) | $0-25 | 1-3 days | Medium | Buyer-friendly |
| Wire transfer | $25-50 | Same day | High | Best for time-critical close |
| Cash | $0 | Instant | Lowest | IRS Form 8300 over $10k |
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 10d ago First seen · 175 lines · 128 tokens per session scan A 4da3f97b6fb0
payment-method-decider is a skill published in the GitHub repository DaizeDong/buy-me-a-car (5 stars, last pushed 5d ago), licensed MIT. It adds 128 tokens to every session and 2,460 once invoked, about $0.0006 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.
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