# 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