Saurabh7Goku/payment_verification_agent ? reverse-engineered prompt

Build me a Python app that acts like a payment collection chat agent.

I want it to run from the command line and have a natural back and forth conversation where it greets the user, asks for an account ID, looks up the account, verifies the person with their name and another detail like date of birth or similar, then shows the outstanding balance and asks how much they want to pay. After that it should collect card details, validate the inputs, process the payment, and return a success message with a transaction ID. If something is missing or invalid, it should ask again in a polite way.

Please make it work with either OpenAI or OpenRouter from a .env file, and keep the important payment and verification decisions in normal Python logic, not just the model. I’d also like a few tests and a simple way to run sample conversations so I can check that the flow works end to end.