    # File lib/active_merchant/billing/gateways/payflow.rb, line 28
          def credit(money, identification_or_credit_card, options = {})
            if identification_or_credit_card.is_a?(String)
              # Perform referenced credit
              request = build_reference_request(:credit, money, identification_or_credit_card, options)
            else
              # Perform non-referenced credit
              request = build_credit_card_request(:credit, money, identification_or_credit_card, options)
            end

            commit(request)
          end