    # File lib/active_merchant/billing/gateways/verifi.rb, line 88
          def credit(money, credit_card_or_authorization, options = {})
            if credit_card_or_authorization.is_a?(String)
              capture_void_or_refund_template(:refund, money, credit_card_or_authorization, options)
            else
              sale_authorization_or_credit_template(:credit, money, credit_card_or_authorization, options)
            end
          end