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To use the addons in a standalone setup you need to create an account at the provider's website. I assumed that Heroku had some agreement with the providers which lets them bypass this and instead passes on the user's Heroku details transparently

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Yep, these are handled via the provisioning apis. When the addon is installed, the service gets a simple provision api request with the customer details. When the addon is uninstalled, there's a deprovision api request.

Heroku Addons are super well documented and easy to develop and deploy. One of the best parts of the platform.

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