Ruby on Rails payment integration

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Experience Level: Intermediate
A small Ruby on Rails startup needs to add subscription based payment integration with multiple subscription levels and the ability to change/cancel subscriptions.

We need a developer create a subscription based rails payment application that can then be merged back into an existing system.
For a good example of what we are after see Basecamp :
We require something very similar with a variety of payment plans and reccuring payments.

We are not currently tied to a particular merchant account or payment gateway so we are open to suggestions for practical solutions you have experience with.

The payments app should be able to run as a standalone application storing into a user table account details of signed up users and their plans.

There should be the option of a 'free' plan, as well as the ability of offer delayed payment (i.e. x months free trial)

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