The official Stripe Ruby library provides a comprehensive, well-documented API client for accepting payments, creating subscriptions, issuing refunds, and managing customers from your Rails application.

The SDK covers Payment Intents, Checkout Sessions, Billing, and Webhooks, and it is engineered to track Stripe’s rapidly evolving API.

Setup is straightforward: add the gem, set your API keys, and start calling the client in controllers or service objects; most teams also expose a webhook endpoint to receive asynchronous events from Stripe.

It supports Ruby 3+ and works with the latest versions of Rails, with excellent documentation, dashboard tooling, and community examples as support.

Its strengths are depth of features, reliability, and first-party support; weaknesses include provider lock-in and the need to keep up with API changes.

Actively maintained alternatives include Braintree’s Ruby SDK when you prefer PayPal’s ecosystem or using the Pay gem to add opinionated Rails patterns on top of Stripe.