Active Merchant Ruby library for dealing with Creditcards, Payment processors and shipping John Ward

Some Background Active Merchant was extracted from Shopify http://www.shopify.com Shopify is a hosted solution for selling online Customers can have their own online store in minutes Sign up Create Products Setup payment processor Set up shipping Sell! Step 3 = Active Merchant Project Leads Cody Fauser ( http://www.codyfauser.com/ )‏ Tobias L ütke ( http://blog.leetsoft.com/ )‏

Active Merchant was extracted from Shopify

http://www.shopify.com

Shopify is a hosted solution for selling online

Customers can have their own online store in minutes

Sign up

Create Products

Setup payment processor

Set up shipping

Sell!

Step 3 = Active Merchant

Project Leads

Cody Fauser ( http://www.codyfauser.com/ )‏

Tobias L ütke ( http://blog.leetsoft.com/ )‏

Payment Processors 2 Types Offsite Payment Gateways Offsite Payment Gateways are where customer is redirected to a third party site for payment No merchant account is required Transaction costs tend to be higher. Simplifies issues around security as you avoid accepting credit cards on your site Direct Payment Gateways Direct Payment Gateways are where customer enters credit card details on your site Web service integration with payment processor

2 Types

Offsite Payment Gateways

Offsite Payment Gateways are where customer is redirected to a third party site for payment

No merchant account is required

Transaction costs tend to be higher.

Simplifies issues around security as you avoid accepting credit cards on your site

Direct Payment Gateways

Direct Payment Gateways are where customer enters credit card details on your site

Web service integration with payment processor

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.

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

Using Active Merchant Gem gem install activemerchant Plugin ./script/plugin install http://activemerchant.googlecode.com/svn/trunk/active_merchant Sign up for payment gateway or integration service Offsite Payment Gateways PayPal Website Payments Standard , Chronopay , Nochex , Banca Sella GestPay , 2 Checkout Direct Payment Gateways 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

Gem

gem install activemerchant

Plugin

./script/plugin install http://activemerchant.googlecode.com/svn/trunk/active_merchant

Sign up for payment gateway or integration service

Offsite Payment Gateways

PayPal Website Payments Standard , Chronopay , Nochex , Banca Sella GestPay , 2 Checkout

Direct Payment Gateways

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

Offsite Payment Gateway Example - Paypal

Offsite Payment Gateway Example - Paypal Create Controller – 3 Actions index – for payment form notify – payment confirmation done – payment complete Index – sample product Notify – process confirmation Done – display message

Create Controller – 3 Actions

index – for payment form

notify – payment confirmation

done – payment complete

Index – sample product

Notify – process confirmation

Done – display message

Offsite Payment Gateway Example - Paypal Create payment form

Create payment form

Offsite Payment Gateway Example - Paypal Generates the following HTML 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.

Generates the following HTML

Offsite Payment Gateway Example - Paypal Demo

Demo

Direct Payment Gateway Example - Realex

Direct Payment Gateway Example - Realex Create Controller – 2 Actions index – for payment form done – payment complete Index CreditCard model Validates number etc... HTTP Get creates credit card HTTP Post processes payment

Create Controller – 2 Actions

index – for payment form

done – payment complete

Index

CreditCard model

Validates number etc...

HTTP Get creates credit card

HTTP Post processes payment

Direct Payment Gateway Example - Realex Credit Card Form

Credit Card Form

Direct Payment Gateway Example - Realex Demo

Demo

Active Merchant Shopify: http://www.shopify.com Active Merchant: http://www.activemerchant.org Cody Fauser: http://www.codyfauser.com/ Tobias L ütke: http://blog.leetsoft.com/ Active Merchant Project: http://code.google.com/p/activemerchant/ Active Merchant Group: http://groups.google.com/group/activemerchant Slides + Sample Code Slides and Sample application will be published on http://thinedgeofthewedge.blogspot.com/ Resources

Active Merchant

Shopify: http://www.shopify.com

Active Merchant: http://www.activemerchant.org

Cody Fauser: http://www.codyfauser.com/

Tobias L ütke: http://blog.leetsoft.com/

Active Merchant Project: http://code.google.com/p/activemerchant/

Active Merchant Group: http://groups.google.com/group/activemerchant

Slides + Sample Code

Slides and Sample application will be published on http://thinedgeofthewedge.blogspot.com/