Nope, I don't store credit card numbers, payment info never touches my servers at all. I mentioned that I use Spreedly. Spreedly works exactly like Stripe Checkout if you've ever used that. You only store a token referring to payment info they're storing, and pass that token to the API to make charges against it as needed.
That's at least $200 to use Spreedly. What benefit have you gotten with it so far? Do you find yourself switching gateways to get lower rates, or do you just stick with one gateway?
Actually $150/mo for up to 5000 stored cards. The benefit is mostly peace of mind: a "PayPal horror story" type situation (frozen account), processor raising rates, or payment gateway having an extended downtime event are non-issues instead of major headaches or potential company-enders.
Is there reason example of a gateway that was down more than a day or 7? A big player like stripe just vanishing in the night?
Would rather spend $150 on some AdWords or something that has a more realistic chance to do something.