I have finally completed proposal for Authorize.net CIM API. Hopefully, this API gets included into ZF (in one form or another), as ANet is one of the best services to work with user payment profiles, let alone CC processing. On proposal page you can review use cases, and if you are interested in internals feel free to download fully-working component’s prototype (it is still a prototype as most probably it would be updated in accordance with peer review on ZF wiki).

Let me know your suggestions on how the component can be improved.

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