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As far as I know (feel free to correct me) it is just a library, not a service. It is better to compare it with Payum library.

It is not end solution. It does not provide API, backend UI, integration with a storage. It takes a bit more time to setup it. Plus, you have to be a developer (preferably Ruby one) to use it.

PayumServer requires as few programming knowledge as possible. You can use it with any of your app, written on whatever language you like.

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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.

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

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