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Active Merchant is a simple payment abstraction library extracted from Shopify. The aim of the project is to feel natural to Ruby users and to abstract as many parts as possible away from the user to offer a consistent interface across all supported gateways. http://activemerchant.org
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Latest commit f2a7ea3 @sdball sdball committed with rwdaigle Add ACH support to Stripe
Stripe requires that bank accounts be externally verified before they
can be used in API transactions. The integration here has the process
split into two actions:

1. Store the bank account (kicks off the Stripe verification process)
2. Purchase using the customer id and bank account id

The customer id and bank account id are returned by the `store` method
formatted for direct use in `purchase` and `refund` after verification
is complete.

Reference: https://stripe.com/docs/guides/ach

Closes #2016

README.md

Active Merchant

Build Status Code Climate

Active Merchant is an extraction from the ecommerce system Shopify. Shopify's requirements for a simple and unified API to access dozens of different payment gateways with very different internal APIs was the chief principle in designing the library.

It was developed for usage in Ruby on Rails web applications and integrates seamlessly as a Rails plugin, but it also works excellently as a stand alone Ruby library.

Active Merchant has been in production use since June 2006 and is now used in most modern Ruby applications which deal with financial transactions. It is maintained by the Shopify and Spreedly teams, with much help from an ever-growing set of contributors.

See GettingStarted.md if you want to learn more about using Active Merchant in your applications.

If you'd like to contribute to Active Merchant, please start with our contribution guide.

Installation

From Git

You can check out the latest source from git:

git clone git://github.com/activemerchant/active_merchant.git

From RubyGems

Installation from RubyGems:

gem install activemerchant

Or, if you're using Bundler, just add the following to your Gemfile:

gem 'activemerchant'

Usage

This simple example demonstrates how a purchase can be made using a person's credit card details.

require 'active_merchant'

# Use the TrustCommerce test servers
ActiveMerchant::Billing::Base.mode = :test

gateway = ActiveMerchant::Billing::TrustCommerceGateway.new(
            :login => 'TestMerchant',
            :password => 'password')

# ActiveMerchant accepts all amounts as Integer values in cents
amount = 1000  # $10.00

# The card verification value is also known as CVV2, CVC2, or CID
credit_card = ActiveMerchant::Billing::CreditCard.new(
                :first_name         => 'Bob',
                :last_name          => 'Bobsen',
                :number             => '4242424242424242',
                :month              => '8',
                :year               => Time.now.year+1,
                :verification_value => '000')

# Validating the card automatically detects the card type
if credit_card.validate.empty?
  # Capture $10 from the credit card
  response = gateway.purchase(amount, credit_card)

  if response.success?
    puts "Successfully charged $#{sprintf("%.2f", amount / 100)} to the credit card #{credit_card.display_number}"
  else
    raise StandardError, response.message
  end
end

For more in-depth documentation and tutorials, see GettingStarted.md and the API documentation.

Supported Payment Gateways

The ActiveMerchant Wiki contains a table of features supported by each gateway.

API stability policy

Functionality or APIs that are deprecated will be marked as such. Deprecated functionality is removed on major version changes - for example, deprecations from 2.x are removed in 3.x.

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