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I think you are right as I know, it is an open-source library not a service, but the point that I want to know why are starting from scratch as I know this library have a huge payment gateways integration ready and tested https://github.com/activemerchant/active_merchant


I did not start from scratch, Payum library has 3 years history. It also supports many gateways: http://payum.org/doc/1.0/Core/supported-gateways

It is already used in many projects, in production, well tested. The 1.0.0 version was released not long ago.




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