在Rails中处理信用卡付款

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.As you can see, I have one really sensitive que