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Libraries for depositing money into a user account?

I am creating an application that should take money from a client who pays with a credit card and lays this money in another client’s bank account. I do not want to store information about the bank account, I just want to say "make a deposit in US dollars into the bank account of user Y", where Y calls a third party. The application is on the rails. Any clean solutions?

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You will need to specify the route number Y and the bank account number if you want to directly deposit funds to account Y.

First you need to configure Active Merchant in the rails app. Use a plugin or gem:

rails plugin install git://github.com/Shopify/active_merchant.git gem 'activemerchant'

After you have installed this application, you will need to register with a gateway. Has a complete list of supported gateways https://github.com/Shopify/active_merchant/wiki/gatewayfeaturematrix

These railscasts will help you get started with Active Merchant:

http://railscasts.com/episodes/144-active-merchant-basics

http://railscasts.com/episodes/145-integrating-active-merchant

To use a bank instead of a credit card, create a new method in the order model if you follow railscast

  def bank_account @bank_account ||= ActiveMerchant::Billing::Check.new( :account_holder_type=> "personal", :account_number=> "number", :account_type => "checking/savings", :name=> "name", :routing_number=> "routing_number") end end
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First, select a third party to process transactions. And then use their API for this. For example, if you choose PayPal, you can use these gems (I have not used them myself, so check them before deciding what to use):

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