It is VERY easy for a novice Rails developer to critically fail at that implementation, though. All you have to do is put a name attribute on the credit card o

It is VERY easy for a novice Rails developer to critically fail at that implementation, though. All you have to do is put a name attribute on the credit card or CVV text field. That seems logical, will not cause any visible problems, and immediately both compromises customer security and introduces substantial business risk due to putting you in PCI scope (and you just failed). Next to this, the marginal hazing value of forcing them to write 20 lines from scratch seems muted.