Basically, braintree has a 'vault' feature where I just add a 'vault_id' attribute to my user model, then call 'response = GATEWAY.store(credit_card, :email => current_user.email)' to send their info off to braintree. Later, that lets me send a charge with their vault_id, and it charges their card.
It's probably just slightly lower-level than Chargify's...
Basically, braintree has a 'vault' feature where I just add a 'vault_id' attribute to my user model, then call 'response = GATEWAY.store(credit_card, :email => current_user.email)' to send their info off to braintree. Later, that lets me send a charge with their vault_id, and it charges their card.
It's probably just slightly lower-level than Chargify's...