title: Recurring billing with Rails - what are my options?
body: <p>Before jumping in I'd like to know what all of my options are, and, if possible their pros and cons.</p>
  
  <p>The two I know of are using ActiveMerchant, or the paypal_recurring gem, but will they satisfy these requirements?</p>
  
  <ul>
  <li>Ability to accommodate monthly and annual billing</li>
  <li>Ability to suspend, cancel accounts etc</li>
  <li>Deal with out-of-date card details or failed payments</li>
  </ul>
  
  <p>The to-do list for the paypal_recurring gem includes 'adding support for IPN' - how will not having this impact functionality? </p>
  
  <p>I know there is the railskit SaaS but I'd rather code something myself as the railskit is still on 3.2.1.</p>
  
  <p>I know there are services like cheddergedder/chargify etc, but do they tie you in? Are they US only? Are they worth considering - or are they usually just aimed at non-developers?</p>
  
  <p>Thanks in advance.</p>