title: Processing credit card payments in Rails
body: <p>As you can see, I have one really sensitive question :) I am building a site where users will have an option to subscribe to some content. I am using Rails 4. Users will pay for a subscription with credit card. At the same time, admin would be able to make refunds if needed. Admin can make a refund for any percentage of payed subscription.</p>
  
  <p>As I understand, it is not recommended to store any credit card data in my database. I've found a couple of articles relating to this issue:</p>
  
  <p><a href="http://railscasts.com/episodes/288-billing-with-stripe?view=asciicast" rel="nofollow">http://railscasts.com/episodes/288-billing-with-stripe?view=asciicast</a></p>
  
  <p><a href="http://larsgebhardt.de/credit-card-processing-with-ruby-on-rails/" rel="nofollow">http://larsgebhardt.de/credit-card-processing-with-ruby-on-rails/</a></p>
  
  <p><a href="http://www.subelsky.com/2011/10/how-to-setup-credit-card-payments-for.html" rel="nofollow">http://www.subelsky.com/2011/10/how-to-setup-credit-card-payments-for.html</a></p>
  
  <p>I was wondering what is currently the recommended practice with credit card processing? How should I handle credit card processing in Rails 4 application? This is maybe simple, but how to make a refund if I don't have any credit card info available in my database?</p>
  
  <p>Thanks!</p>