This got me thinking... Why isn't there a "credit card payment system" gem in RoR? Because if we want this sort of thing to be ubiquitous in startups, our tool

This got me thinking... Why isn't there a "credit card payment system" gem in RoR? Because if we want this sort of thing to be ubiquitous in startups, our tools must support them out of the box. Put another way, startups are too busy prototyping and running up hill to bother re-implementing a credit-card payment system -- a simple, yet difficult-to-get-right chunk of software. Unless it's already done, no startup wants to waste their time doing it. Again, I ask the question, why isn't it dead-simple to include credit-card payment into my website? (Please, someone make this!)