    # File lib/active_merchant/billing/gateways/efsnet.rb, line 42
          def credit(money, identification_or_credit_card, options = {})
            if identification_or_credit_card.is_a?(String)
              # Perform authorization reversal
              request = build_refund_or_settle_request(money, identification_or_credit_card, options)
              commit(:credit_card_refund, request)
            else
              # Perform credit
              request = build_credit_card_request(money, identification_or_credit_card, options)
              commit(:credit_card_credit, request)
            end
          end