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I am making a Ruby on Rails app and I need to be able to bill users. I would like to use either PayPal, credit cards, or both. I looked at Saasy (https://github.com/maccman/saasy) but it requires one of three paid gateways, and I need a free gateway. Is there any way to do this for free?
Edit: Is it smart to do it on my own using the Railscasts PayPal tutorials?
There is no such thing as a free gateway.
The cheapest/best option in my opinion is run your site with Recurly and use Intuit Merchant Service instead of PayPal.
Recurly has tight integration with IMS, and they also have a very nice Gem that you can add to your rails app which makes managing accounts and billing in-app quite easy.