How can I add a decal the my UV texture?

Development Programming & Scripting
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I’m making a car painter. And I made it so you can put stickers on the paint by attaching decals. However I want to save those skins using a UV texture. So how can I add the decal to my UV texture while also respecting the seams?

I can’t save the decals location instead of a UV since I want to allow players to add their own stickers.
I’m using a render target for the paint.

Thanks in advance!