I just uploaded a set of tools for processing credit cards to GitHub. GitHub is pretty awesome BTW.
All you need is a PayPal Business or Premeir account.
Most will not want to do this kind of thing on the command line, and I understand. I wrote these scripts just to be able to interface with my legacy system that I wrote in 1999 for use with CyberCash (and later Verisign PayFlow Pro). But I figured maybe there’s a few others out there that might like this.
Here’s a couple neat things you can do:
Example $1.00 charge:
$ ./charge.rb 1.00 4111111111111111 02/2012
Example $1.00 refund:
$ ./refund.rb 1.00 2TL24251DY409204F
The second argument in the above example is the Auth ID of the original
transaction.
You’ll get back a YAML formatted version of PayPal’s response to stdout.
I use ActiveMerchant to do all the heavy lifting. AM is wonderfully easy to use, those guys did a really good job.
For more info, see the repo and README here: http://github.com/uptheirons/creditcardtools/tree/master

This should be handy for creating a homebrew version of the SnuzUluz: http://www.thinkgeek.com/stuff/41/snuznluz.shtml