    # File lib/active_merchant/billing/gateways/data_cash.rb, line 142
          def credit(money, reference_or_credit_card, options = {})
            if reference_or_credit_card.is_a?(String)
              request = build_transaction_refund_request(money, reference_or_credit_card)
            else
              request = build_refund_request(money, reference_or_credit_card, options)
            end

            commit(request)
          end