<script type="text/javascript">//<![CDATA[
    $(window).load(function(){

    function authenticateUser(user, password) {
        var token = user + ":" + password;
        var hash = btoa(token);
        return "Basic " + hash;
    }

    Iugu.setAccountID("8BC5246EF90A4A2B93AB33B8501D9901");

    jQuery(function($) {
      $('#data, #ano').change(function() {
          var mes = $("#mes").val();
          var ano = $("#ano").val();

          $("#credit_card_expiration").val(mes+"/"+ano);
      });

      $('#payment-form').submit(function(evt) {
          var form = $(this);
          var tokenResponseHandler = function(data) {

              if (data.errors) {
                  alert("Erro salvando cartão: " + JSON.stringify(data.errors));
              } else {
                var token = $("#token").val( data.id );

                return false;

                var user = "c0cd011f967af1747f09b9a665374a5a";
                var pass = "";

                var nome = $("#nome").val();
                var email = $("#email").val();
                var celular = $("#celular").val();

                 var data = JSON.stringify({
                  "api_token": user,
                  "token": token,
                  "email": email,
                  "payer": {
                    "name": nome,
                    "phone_prefix": celular,
                    "phone": celular
                  },
                  "items": [
                    {
                      "quantity": 1,
                      "price_cents": 100,
                      "description": "Jantar de Negócios"
                    }
                  ]
                });

                var xhr = new XMLHttpRequest();
                xhr.withCredentials = true;

                xhr.addEventListener("readystatechange", function () {
                  if (this.readyState === this.DONE) {
                    console.log(this.responseText);
                    $('#payment-form').submit();
                  }
                });

                xhr.open("POST", "https://api.iugu.com/v1/charge");

                xhr.send(data);

                  //form.get(0).submit();
              }

              // Seu código para continuar a submissão
              // Ex: form.submit();
          }

          Iugu.createPaymentToken(this, tokenResponseHandler);
          return false;
      });
    });
    });//]]>

    </script>