rubyonrailsin

The basic process (using Authorize.net CIM service) is this:

* User checks out, entering their billing, shipping and credit card
data in the proper place in your store.
* A CIM profile and a CIM Payment profile are made for the customer
(the payment profile containing that credit card and billing address)
* A transaction is sent, using the customers cim profile id and the
customers payment profile.
* The profile and payment profile ids are stored in the store database.

When the customer comes back later, and is ready to checkout again,
the store retrieves the customer payment profile(s), including the
last 4 digits of the creditcard, from CIM, and presents that to the
customer to verify or choose among their current profiles.

--Christopher

On Fri, Mar 19, 2010 at 4:26 PM, viatropos <lancejpollard@gmail.com> wrote:
> Hey there,
>
> I have Spree up and running with PayPal and Check Payment methods,
> because I've heard about the strict rules and security measures you
> need to take to process Credit Card Payments directly.  I'm ready to
> implement Credit Card Processing now.
>
> My question is, what are the basic things I need to know to get a
> business up and running with Credit Card processing in Spree?  I know
> I need the gateway (using Authorize.net), and a Merchant Account with
> a bank, and ActiveMerchant.  But I'm not sure how to remember their
> credit card info for future purchases.
>
> More specifically, the end goal would be to have the customer enter
> their credit card info once, and every time after that when they
> checkout, they just say "yes, this is the correct credit card, use
> that one", like how Amazon does it.  Because it's best practice to not
> store the credit card info on the merchant's server, how do you
> present the credit card (as say "***********1234") to the customer?  I
> don't see the connection.  What information are we storing, what
> information are we getting from the gateway (say Authorize.net), and
> how do we get that info from the gateway (like the starred out credit
> card number and their billing info)?
>
> I've read the following things, among others:
>
> - http://www.activemerchant.org/
> - http://peepcode.com/products/activemerchant-pdf
> - http://spreecommerce.com/documentation/checkout.html
> - http://37signals.com/svn/posts/753-ask-37signals-how-do-you-process-credit-cards
>
> But I just don't see the connection.  How do I "remember" my customers
> credit card without storing it in the database?
>
> Just looking for a practical tutorial or blog post about it :).
> Thanks so much,
> Lance
>
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