title: Best payment gateways and Rails gems for secure payments?
body: <p>I'm developing a website in Ruby on Rails to sell valuable goods. We need to have a very secure payment system in order for people to purchase stuff online.</p>
  
  <p>Companies like PayPal seem to take a big commission, so we are wondering how sites like <em>99 designs</em> or <em>ugallery</em> handle payments?</p>
  
  <p>I'm a programmer, but until a year or so ago, I was entirely coding in C++. 2 months back, I switched to Rails and I have a little bit of experience in that, but I want to know what the best way is to tackle this problem. Obviously, I want to make sure that my customers know our system is fully secure, but I have 0 experience in developing commercial websites like this.</p>
  
  <p>What pitfalls should we be aware of? Any examples I can look at? Are there Rails gems that we can leverage to set this up? How do we go about getting our site verified by a McAfee/Verisign/whatever (and is this necessary?)</p>