import Stripe from 'stripe'; if (!process.env.STRIPE_SECRET_KEY) { if (process.env.NODE_ENV === 'production') { throw new Error('STRIPE_SECRET_KEY is required in production'); } } export const stripe = new Stripe(process.env.STRIPE_SECRET_KEY ?? 'sk_test_placeholder', { apiVersion: '2026-04-22.dahlia', typescript: true, });