The following example uses pin_payment by Danial Pearce:
PinPayment.secret_key = 'your-secret-api-key'
PinPayment::Charge.create(
email: 'customer@email.com',
description: 'Widgets',
amount: 4999,
currency: 'USD',
card: 'card_nytGw7koRg23EEp9NTmz9w',
ip_address: '1.2.3.4'
)