diff --git a/src/lib/stripe.ts b/src/lib/stripe.ts
new file mode 100644
index 0000000..afec5f9
--- /dev/null
+++ b/src/lib/stripe.ts
@@ -0,0 +1,31 @@
+import { loadStripe, Stripe } from "@stripe/stripe-js";
+
+export type StripeEnv = "sandbox" | "live";
+
+const clientToken = import.meta.env.VITE_PAYMENTS_CLIENT_TOKEN as string | undefined;
+
+function paymentsEnvironment(): StripeEnv {
+  if (clientToken?.startsWith("pk_test_")) return "sandbox";
+  if (clientToken?.startsWith("pk_live_")) return "live";
+  throw new Error(
+    "Betalningar är inte konfigurerade för denna build. Slutför go-live i Payments-fliken för att aktivera skarpa betalningar."
+  );
+}
+
+let stripePromise: Promise<Stripe | null> | null = null;
+
+export function getStripe(): Promise<Stripe | null> {
+  if (!stripePromise) {
+    paymentsEnvironment();
+    stripePromise = loadStripe(clientToken as string);
+  }
+  return stripePromise;
+}
+
+export function getStripeEnvironment(): StripeEnv {
+  return paymentsEnvironment();
+}
+
+export function hasPaymentsConfigured(): boolean {
+  return !!clientToken && (clientToken.startsWith("pk_test_") || clientToken.startsWith("pk_live_"));
+}