Disclaimer : Ruby Nuby Install: [C:] C:\Develop\ruby\bin >gem install creditcard --include-dependencies Successfully installed creditcard-1.0 Installing ri documentation for creditcard-1.0... Installing RDoc documentation for creditcard-1.0... Restarted server... Source : class ContractPayment < ActiveRecord::Base set_table_name "contract_payment" set_primary_key "contract_payment_id" set_sequence_name "contract_payment_id_seq" belongs_to :contract, :foreign_key => "contract_id" validates_presence_of :contract_id, :credit_card_type_code, :credit_card_type_prefix, :credit_card_expiration_date, :credit_card_number, :credit_card_validation_code validates_numericality_of :credit_card_number validates_length_of :credit_card_number, :within => 13..16 require "creditcard" ... Restarted server to pick model changes... Result : " TypeError in Offer renewalController#take_payment CreditCard is not a module" Okay, so what silly mistake am I making. Thanks, Jason