I’ve found that while vibe coding can be effective, anything with complexity takes more than a 1-shot prompt to get there. The amount of work that comprises a single scrum story is about the right amount to do with a single prompt and even that requires some review and revision. So 1-shot your payment system, hell no, but writing a payment system without writing code is possible although I would think it still would take enough time that I wouldn’t choose that over a reasonably priced SaaS.