# 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