gem 'moneta-api'

  require 'moneta/api'

  # получить данные счета
  service = Moneta::Api::Service.new('username', 'password', { demo_mode: true })

  response = service.find_account_by_id(10999)

  puts response.class.name
  # => 'Moneta::Api::Responses::FindAccountByIdResponse'
  puts "Баланс: #{ response.account.balance} #{ response.account.currency }"
  # => 'Баланс: 100 RUB'

  transfer_request = Moneta::Api::Requests::TransferRequest.new.tap do |request|
    request.payee = 28988504
    request.payer = 10999
    request.amount = 10
    request.is_payer_amount = false
    request.payment_password = '123456'
  end

  response = service.transfer(transfer_request)

  # проверить данные счета
  response = service.find_account_by_id(10999)
  puts "Баланс после пополнения: #{ response.account.balance} #{ response.account.currency }"
  # => 'Баланс после пополнения: 110 RUB'

  withdrawal_request = Moneta::Api::Requests::PaymentRequest.build(
    payer: 28988504,
    payee: Moneta::Constants::Withdrawal::QIWI,
    amount: 10,
    client_transaction: SecureRandom.uuid,
    payment_password: '123456',
    is_payer_amount: true
  )

  withdraw_to = Moneta::Api::Types::KeyValueAttribute.build(key: 'EXTERNALACCOUNTID', value: qiwi_account)

  withdrawal_info = Moneta::Api::Types::OperationInfo.new
  withdrawal_info.add_attribute(withdraw_to)

  withdrawal_request.operation_info = withdrawal_info

  service.payment(withdrawal_request)

  Moneta::Api::Service.new('username', 'password', {
    logger: Rails.logger,
    log_body: true,
    filter: [
      [/("availableBalance":)([\d\.]{0,})/,'\1[FILTERED]'], # фильтр доступного баланса кошелька
      [/("balance":)([\d\.]{0,})/,'\1[FILTERED]'],          # фильтр баланса кошелька
      [/("protectionCode":)("\d+")/,'\1[FILTERED]']         # фильтр кода протекции
      # ...
    ]
  })

  Moneta::Api::Service.new('username', 'password', { demo_mode: true })

  require 'moneta/api'

  certificate = OpenSSL::X509::Certificate.new(File.read('cert_path'))
  private_key = OpenSSL::PKey::RSA.new(File.read('key_path'), 'password')

  service = Moneta::Front::Service.new(certificate, private_key, { demo_mode: true })

  service.get_receipt_pdf(468398)
  # => 'PDF файл'

  Moneta::Front::Service.new(certificate, private_key, { demo_mode: true })