pay-gem

<essential_principles>

How Pay Gem Works

Pay is a payments engine for Rails that abstracts Stripe (and other processors) into a Rails-friendly interface.

1. Payment Processor Pattern

Always set a payment processor before any payment operations:

@user.set_payment_processor :stripe
# OR set default on model
class User < ApplicationRecord
  pay_customer default_payment_processor: :stripe
end

Access the processor via @user.payment_processor for all operations.