I talked introduction of payment service related to SPIKE and payment service with Ruby. - Payment service stack - Dealing with Payment Gateways - Payment in Ruby

1. Payment Service
(Overview and Payment Gateways)
Yuki Matsukura
Metaps Inc.
shinjuku.rb #31@metaps

2. • Metaps Inc. (2014 - )
– SPIKE Engineer
• @matsubokkuri
• http://github.com/matsubo
• http://matsu.teraren.com/blog/
Yuki Matsukura

3. Outline
• Payment service stack
• Dealing with Payment Gateways
• Payment in Ruby

4. PAYMENT SERVICE STACK

5. https://spike.cc/

6. Payment Service
EC
Marketing
Automation
Market
E-money
Users
SPIKE Service Stack
API

7. Payment Service
Stripe
CAFIS VISA Net Master Net…
LIFE
Payment Service Stack
Users (Buyers)
Mitsui
Sumitomo
Bank of
America
…
GMO Brain Tree…
Acquirer
Issuer
Payment
Gateways
JR East LUMINE ENEOS…

8. DEALING WITH PAYMENT
GATEWAYS

9. KPIs to choose GW
• Fee
– Initial setup cost, Monthly fee
– Transaction fee, Payment fee
http://bit.ly/1lh0O22

10. KPIs to choose GW
• API and its library
– Library let developers ease integration.
https://github.com/activemerchant/active_merchant

11. KPIs to choose GW
• Sandbox
– Some gateways cannot be test …

12. KPIs to choose GW
• Stability
– SLA
– Gateways returns error text with 200 response.
MTBF = 72.2 days, MTTR = 22.3mins, Availability = 99.978%

13. PAYMENT IN RUBY

14. Payment Gateway API
• ActiveMerchant
– https://github.com/activemerchant/active_merch
ant
– This is a collection of API library
• NOT abstracting all gateways.
• API parameter is different

15. This would be different
from payment gateway.

16. KPIs to choose GW
• Timeout
– Payment Gateways
– Authentication Bank
– Our service
• net/http
• unicorn
• Reverse proxy
• (Browser)

17. State activity diagram 1

18. State activity diagram 2

19. To Be continued
• Fraud protection
• Fight with Gateway timeout
• Automation
• Security
• Customer support
• Gem
• Development environment
• ER Diagram