I haven't work with it but you might want to take a look at Spreedly, they work as a buffer between you and payment processors. So if you are shutdown by a paym

I haven't work with it but you might want to take a look at Spreedly, they work as a buffer between you and payment processors. So if you are shutdown by a payment processor it should be really easy to change, without you having to make any changes to your code. The drawback is that it's kind of expensive.