An xpub is all that is needed for payments on the chain. You can export hundreds of address upfront, and so you have your basic raw API at hand in a text file.

The problem is integrating it smoothly with the user billing system. Perhaps you can use something like https://books.libreoffice.org/en/WG71/WG7114-MailMerge.html for a basic automation (but you miss the qrcode goodie).

For LN you can use some service like LNbits, I suppose there are several that expose an API, along with a GUI for the invoicing system.

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thank you! I don't need it yet but it's great to be able to read up and be prepared when the time comes. I appreciate it

Yeah, I thought about xpubs too but like you said; it’s the accounting coordination that causes complexity. This is already fairly easy with lightning, but Bolt12 on lightning will make this a lot easier.

Yeah, accounting frictions :/