# 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