Active Merchant

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Active Merchant talk given to Ruby Ireland

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  • You can download the sample application from this blog post

    http://thinedgeofthewedge.blogspot.com/2007/10/active-merchant-talk-to-ruby-ireland.html
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Active Merchant

  1. 1. Active Merchant Ruby library for dealing with Creditcards, Payment processors and shipping John Ward
  2. 2. Some Background <ul><li>Active Merchant was extracted from Shopify </li></ul><ul><ul><li>http://www.shopify.com </li></ul></ul><ul><ul><li>Shopify is a hosted solution for selling online </li></ul></ul><ul><ul><li>Customers can have their own online store in minutes </li></ul></ul><ul><ul><ul><li>Sign up </li></ul></ul></ul><ul><ul><ul><li>Create Products </li></ul></ul></ul><ul><ul><ul><li>Setup payment processor </li></ul></ul></ul><ul><ul><ul><li>Set up shipping </li></ul></ul></ul><ul><ul><ul><li>Sell! </li></ul></ul></ul><ul><li>Step 3 = Active Merchant </li></ul><ul><li>Project Leads </li></ul><ul><ul><li>Cody Fauser ( http://www.codyfauser.com/ )‏ </li></ul></ul><ul><ul><li>Tobias L ütke ( http://blog.leetsoft.com/ )‏ </li></ul></ul>
  3. 3. Payment Processors <ul><li>2 Types </li></ul><ul><ul><li>Offsite Payment Gateways </li></ul></ul><ul><ul><ul><li>Offsite Payment Gateways are where customer is redirected to a third party site for payment </li></ul></ul></ul><ul><ul><ul><li>No merchant account is required </li></ul></ul></ul><ul><ul><ul><li>Transaction costs tend to be higher. </li></ul></ul></ul><ul><ul><ul><li>Simplifies issues around security as you avoid accepting credit cards on your site </li></ul></ul></ul><ul><ul><li>Direct Payment Gateways </li></ul></ul><ul><ul><ul><li>Direct Payment Gateways are where customer enters credit card details on your site </li></ul></ul></ul><ul><ul><ul><li>Web service integration with payment processor </li></ul></ul></ul>
  4. 4. Offsite Payment Gateways Consumer chooses to purchase on your site Offsite Payment Gateways work by redirecting consumer to another site Form variables are used to identify the product and price Third party site captures the payment. Consumer is redirected back to site along with confirmation of payment.
  5. 5. Direct Payment Gateways Consumer chooses to purchase on your site With Direct Payment Gateways you are in control of the payment form. Accept cc details on your site. Call Payment processor web service interface Confirm purchase
  6. 6. Using Active Merchant <ul><li>Gem </li></ul><ul><ul><li>gem install activemerchant </li></ul></ul><ul><li>Plugin </li></ul><ul><ul><li>./script/plugin install http://activemerchant.googlecode.com/svn/trunk/active_merchant </li></ul></ul><ul><li>Sign up for payment gateway or integration service </li></ul><ul><li>Offsite Payment Gateways </li></ul><ul><ul><li>PayPal Website Payments Standard , Chronopay , Nochex , Banca Sella GestPay , 2 Checkout </li></ul></ul><ul><li>Direct Payment Gateways </li></ul><ul><ul><li>Authorize.net – US, Braintree – US, CardStream – GB, CyberSource – US, DataCash – GB, Efsnet – US, eWAY – AU, E- xact - CA, US LinkPoint – US, Moneris – CA, NetRegistry – AU, PayJunction – US, PayPal Express Checkout - US, CA, SG, AU, PayPal Express Checkout (UK) – GB, PayPal Payflow Pro - US, CA, SG, AU, PayPal Website Payments Pro (UK) – GB, PaymentExpress - AU, MY, NZ, SG, ZA, GB, US, PayPal Express Checkout – US, PayPal Website Payments Pro (US) – US, Plug'n Pay – US, Protx - GB Psigate – CA, PSL Payment Solutions – GB, Quickpay – DK, Realex - IE, GB SecurePay – US, TransFirst – US, TrustCommerce – US, USA ePay – US, Verifi – US, ViaKLIX - U </li></ul></ul>
  7. 7. Offsite Payment Gateway Example - Paypal
  8. 8. Offsite Payment Gateway Example - Paypal <ul><li>Create Controller – 3 Actions </li></ul><ul><ul><li>index – for payment form </li></ul></ul><ul><ul><li>notify – payment confirmation </li></ul></ul><ul><ul><li>done – payment complete </li></ul></ul><ul><li>Index – sample product </li></ul><ul><li>Notify – process confirmation </li></ul><ul><li>Done – display message </li></ul>
  9. 9. Offsite Payment Gateway Example - Paypal <ul><li>Create payment form </li></ul>
  10. 10. Offsite Payment Gateway Example - Paypal <ul><li>Generates the following HTML </li></ul>Sandbox because activemerchant is in test mode Your paypal account Product name Product price URL to return to URL paypal sends notifications to Unique id for sale. Paypal expects this to be unique so can't be the product id.
  11. 11. Offsite Payment Gateway Example - Paypal <ul><li>Demo </li></ul>
  12. 12. Direct Payment Gateway Example - Realex
  13. 13. Direct Payment Gateway Example - Realex <ul><li>Create Controller – 2 Actions </li></ul><ul><ul><li>index – for payment form </li></ul></ul><ul><ul><li>done – payment complete </li></ul></ul><ul><li>Index </li></ul><ul><ul><li>CreditCard model </li></ul></ul><ul><ul><li>Validates number etc... </li></ul></ul><ul><ul><li>HTTP Get creates credit card </li></ul></ul><ul><ul><li>HTTP Post processes payment </li></ul></ul>
  14. 14. Direct Payment Gateway Example - Realex <ul><li>Credit Card Form </li></ul>
  15. 15. Direct Payment Gateway Example - Realex <ul><li>Demo </li></ul>
  16. 16. <ul><li>Active Merchant </li></ul><ul><ul><li>Shopify: http://www.shopify.com </li></ul></ul><ul><ul><li>Active Merchant: http://www.activemerchant.org </li></ul></ul><ul><ul><li>Cody Fauser: http://www.codyfauser.com/ </li></ul></ul><ul><ul><li>Tobias L ütke: http://blog.leetsoft.com/ </li></ul></ul><ul><ul><li>Active Merchant Project: http://code.google.com/p/activemerchant/ </li></ul></ul><ul><ul><li>Active Merchant Group: http://groups.google.com/group/activemerchant </li></ul></ul><ul><li>Slides + Sample Code </li></ul><ul><ul><li>Slides and Sample application will be published on http://thinedgeofthewedge.blogspot.com/ </li></ul></ul>Resources

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