If you want to integrate Credit Card Payments for a web-applications, check out this blog on working with ActiveMerchant and Authorize.net payment gateways.
 
 The first requirement is to obtain a test-account from Authorize.net from http://developer.authorize.net/testaccount. For integration on Credit-Card Payments made through website, a No Card Account is required. When you register for a test account Authorize.net sends you the API Key and Transaction Key for authentication at the gateways.
 Create a credit card object that will be used later for the billing process as following:
 [source language=”ruby”]
 credit_card = ActiveMerchant::Billing::CreditCard.new(
 :number => ‘Test Credit Card Number’,
 :verification_value => ‘123’,
 :month => 8, #for test cards, use any date in the future
 :year => 2018,
 :first_name => ‘test’,
 :last_name => ‘user’,
 :type => ‘Test Credit Card Type’ )
 [/source]
 The following code makes a call to the ActiveMerchant Gateway.
 [source language=”ruby”]
 gateway = ActiveMerchant::Billing::Base.gateway(:authorized_net).new(
 :login =>Your API Login ID’, :password =>’Transaction Key’, :test => true)
 [/source]
 Rest of the logic is quite simple,
 [source language=”ruby”]
 if credit_card.valid?
 response = gateway.authorize(amount_to_charge*100 , credit_card, :billing_address =>
 {       :name =>’Mark McBride’,
 :address1 => ’33 New Montgomery St.’,
 :city => ‘San Francisco’,
 :state => ‘CA’,
 :country => ‘US’,
 :zip => ‘760001’,
 :phone => ‘(555)555-5555′} )
 if response.success?
 gateway.capture(amount_to_charge, response.authorization)
 render :text =>’Success:’ + response.message.to_s and return
 else
 render :text => ‘Fail:’ + response.message.to_s and return
 end
 else
 render :text =>’Credit card not valid: ‘ + credit_card.validate.to_s and return
 end
 [/source]

Perfect, just what I wanted, thanks a lot!