A Rails 3.2 application with recurring billing using Stripe
railsapps.github.com
railsapps.github.com
I'd parallel my concern to beginner developers who create Rails projects that don't check for User ownership when navigating to /edit paths.
Implementing Stripe is almost a small rite of passage. It forces you to understand the API, and how it treats payments and other various objects.
Next to this, the marginal hazing value of forcing them to write 20 lines from scratch seems muted.
Maybe contact the pragprog [1] guys?
[1]: http://pragprog.com/
For most things, I want to know: 1. What are the pieces? 2. Where do they go? 3. How do they interact with eachother?
When implementing payments into a site (which is a core concern for the business/application), I'd like to know each answer in pretty good detail, so I'd be more than happy to pay $15-$40 for an ebook which will hold my hand through the "best practices" to those 3 answers.
What you described is a bit vague so I'm not sure quite what you need, but it allows you to basically spin up merchant accounts for your customers on the fly in a way that's basically as seamless as legally possible.