gateway = ActiveMerchant::Billing::PagarmeGateway.new(api_key: my_api_key)

cc = ActiveMerchant::Billing::CreditCard.new(
  number: "4242424242424242",
  month: 12,
  year: 2020,
  verification_value: "123",
  first_name: "Tom",
  last_name: "Jobim"
)

response = gateway.purchase(1000, cc)
=> #<ActiveMerchant::Billing::Response:0x007fcdbdb44500 @params={"errors"=>[{"parameter_name"=>"card_expiration_date", "type"=>"invalid_parameter", "message"=>"Data de expiração inválida"}], "url"=>"/transactions", "method"=>"post"}, @message="Data de expiração inválida", @success=false, @test=true, @authorization=nil, @fraud_review=nil, @error_code="processing_error", @emv_authorization=nil, @avs_result={"code"=>nil, "message"=>nil, "street_match"=>nil, "postal_match"=>nil}, @cvv_result={"code"=>nil, "message"=>nil}>

response = gateway.purchase(1000, cc)
=> #<ActiveMerchant::Billing::Response:0x007fa8fe8145f8 @params={"object"=>"transaction", "status"=>"paid", "refuse_reason"=>nil, "status_reason"=>"acquirer", "acquirer_response_code"=>"00", "acquirer_name"=>"development", "acquirer_id"=>"1234", "authorization_code"=>"530022", "soft_descriptor"=>nil, "tid"=>"1790259", "nsu"=>nil, "date_created"=>"2017-08-03T21:53:44.767Z", "date_updated"=>"2017-08-03T21:53:44.961Z", "amount"=>1000, "authorized_amount"=>1000, "paid_amount"=>1000, "refunded_amount"=>0, "installments"=>1, "id"=>1790259, "cost"=>65, "card_holder_name"=>"Tom Jobim", "card_last_digits"=>"4242", "card_first_digits"=>"424242", "card_brand"=>"visa", "card_pin_mode"=>nil, "postback_url"=>nil, "payment_method"=>"credit_card", "capture_method"=>"ecommerce", "antifraud_score"=>nil, "boleto_url"=>nil, "boleto_barcode"=>nil, "boleto_expiration_date"=>nil, "referer"=>"api_key", "ip"=>"10.2.13.21", "subscription_id"=>nil, "phone"=>nil, "address"=>nil, "customer"=>nil, "billing"=>nil, "shipping"=>nil, "items"=>[], "card"=>{"object"=>"card", "id"=>"card_cj5wzaiwj00ukqb6dwxkai1iv", "date_created"=>"2017-08-03T21:53:44.756Z", "date_updated"=>"2017-08-03T21:53:45.010Z", "brand"=>"visa", "holder_name"=>"Tom Jobim", "first_digits"=>"424242", "last_digits"=>"4242", "country"=>"UNITED STATES", "fingerprint"=>"1234", "valid"=>true, "expiration_date"=>"1220"}, "split_rules"=>nil, "metadata"=>{}, "antifraud_metadata"=>{}, "reference_key"=>nil}, @message="Transação aprovada", @success=true, @test=true, @authorization=1790259, @fraud_review=nil, @error_code=nil, @emv_authorization=nil, @avs_result={"code"=>nil, "message"=>nil, "street_match"=>nil, "postal_match"=>nil}, @cvv_result={"code"=>nil, "message"=>nil}>