Recently I was working on a project that needed an e-commerce solution for monthly subscription renewals. We also wanted to be able to securely store the user’s credit card information to use for recurring billing. At first evaluation it seemed like we where going to need 2 separate solutions here. An e-commerce gateway and 2 way encryption for secure credit card information storage. This seemed like an awful lot of work and we couldn’t be the only ones that need this, it felt like we were trying to reinvent the wheel. After some research into other options we found the solution we where looking for.
The service we found is from BrainTree Payment Solutions. They have an API that will securely store the credit card information and return a unique token. Storing this token has far less risk involved. If someone were to gain access to this token in your database, it would be useless to them.
But that is only a fraction of what this API can do. It is also an e-commerce gateway that supports all the major credit card types as well as Echeck, ACH (automatic clearing house) and EFT (electronic funds transfer) which are all forms of Direct Deposit. It also supports some of the online payment options such as PayPal, Bill Me Later and Google Checkout.
All of that functionality is pretty awesome right? Well if you are a Ruby user it gets even better. You can access all of this functionality through a familiar e-commerce library; Active Merchant. All of the functionality with the ease of Active Merchant, what more could you ask for?
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