MerchantPlus offers a great low-priced payment gateway that behaves very much like Authorize.net’s AIM integration method.

To use ActiveMerchant with Navigate, simply modify the split method of authorize_net.rb in ActiveMerchant to read:

def split(response)
  response.split(',').map { |e| e.gsub('$','') }        
end

And switch the test_url and live_url to the URL provided to you by Merchant Plus. Then you should be able to use the Authorize.net gateway in ActiveMerchant to interface with Navigate.

Ka-ching!