## Paying charges

There are two ways of giving sequence to a charge. You can generate a banking billet so it is payable until its due date, or can use the customer's credit card to submit the payment.

### 1. Banking billets

Setting banking billet as a charge's payment method is simple. You have to use `banking_billet` as the payment method and inform the `charge_id`.

```ruby
require "gerencianet"
require "date"

tomorrow = Date.today + 1

params = {
  id: 2365
}

body = {
  payment: {
    banking_billet: {
      expire_at: tomorrow.strftime,
      customer: {
        name: "Gorbadoc Oldbuck",
        email: "oldbuck@gerencianet.com.br",
        cpf: "04267484171",
        birth: "1977-01-15",
        phone_number: "5144916523"
      }
    }
  }
}

gerencianet = Gerencianet.new(options)
gerencianet.pay_charge(params: params, body: body)
```

If you don't set the `expire_at` attribute, the date will be the current day + 3.

You'll receive the payment info in the callback, such as the barcode and the billet link:

```ruby
{
  "code": 200,
  "data": {
    "charge_id": 242,
    "total": 1150,
    "payment": "banking_billet",
    "barcode": "00190.00009 01523.894002 00059.161182 9 64350000001150",
    "link": "https://visualizacao.gerencianet.com.br/emissao/28333_2139_RRABRA7/A4XB-28333-59161-BRANAE4",
    "expire_at": "2015-05-21"
  }
}
```

If you want the banking billet to have extra instructions, it's possible to send a maximum of 4 different instructions with a maximum of 90 caracters, just as follows:

```ruby
var body = {
  payment: {
    banking_billet: {
      expire_at: tomorrow.strftime,
      customer: {
        name: "Gorbadoc Oldbuck",
        email: "oldbuck@gerencianet.com.br",
        cpf: "04267484171",
        birth: "1977-01-15",
        phone_number: "5144916523"
      },
      instructions: [
        "Pay only with money",
        "Do not pay with gold"
      ]
    }
  }
}
```

### 2. Credit card

The most common payment method is to use a credit card in order to make things happen faster. Paying a charge with a credit card in Gerencianet is as simples as generating a banking billet, as seen above.

The difference here is that we need to provide some extra information, as a `billing_address` and a `payment_token`. The former is used to make an anti-fraud analyze before accepting/appoving the payment, the latter identifies a credit card at Gerencianet, so that you don't need to bother about keeping track of credit card numbers. The `installments` attribute is self-explanatory.

We'll talk about getting payment tokens later. For now, let's take a look at the snipet that does the work we're aiming for:

```ruby
body = {
  payment: {
    credit_card: {
      installments: 1,
      payment_token: "5739b06925244dd1ab8e0afa62389d5fb4ea2945",
      billing_address: {
        street: "Av. JK",
        number: 909,
        neighborhood: "Bauxita",
        zipcode: "35400000",
        city: "Ouro Preto",
        state: "MG"
      },
      customer: {
        name: "Gorbadoc Oldbuck",
        email: "oldbuck@gerencianet.com.br",
        cpf: "04267484171",
        birth: "1977-01-15",
        phone_number: "5144916523"
      }
    }
  }
}

params = {
  id: 2366
}

gerencianet = Gerencianet.new(options)
gerencianet.pay_charge(params: params, body: body)
```

If everything went well, the response will come with the total value, installments number and the value of each installment:

```ruby
{
  "code": 200,
  "data": {
    "charge_id": 223,
    "total": 1150,
    "payment": "credit_card",
    "installments": 1,
    "installment_value": 1150
  }
}
```

##### Payment tokens

A `payment_token` represents a credit card number at Gerencianet.

For testing purposes, you can go to your application playground in your Gerencianet's account. At the payment endpoint you'll see a button that generates one token for you. This payment token will point to a random test credit card number.

When in production, it will depend if your project is a web app or a mobile app.

For web apps you should follow this [guide](https://api.gerencianet.com.br/checkout/card). It basically consists of copying/pasting a script tag in your checkout page.

For mobile apps you should use this [SDK for Android](https://github.com/gerencianet/gn-api-sdk-android) or this [SDK for iOS](https://github.com/gerencianet/gn-api-sdk-ios).