Disable the Savon logger so USA Epay SOAP packets (including CC numbers) are not logged

Fixes #80
Fixes #81
Typo fix for rake test_app in README

From #81
Implement Auth/Caputre for Stripe; full active_merchant implementation here: https://github.com/Shopify/active_merchant/blob/master/lib/active_merchant/billing/gateways/stripe.rb

Fixes #83
If beanstream finds a stored customer profile which is a match, use it and continue.

Fixes #87
Add ActiveMerchant-backed USAEpay gateway

Caveat:  Shopify/active_merchant#757 is outstanding. If you try to use this gateway in 'test' mode, it will not work until that PR has been merged.

Conflicts:
	app/models/spree/gateway/usa_epay.rb
Add ActiveMerchant-backed USAEpay gateway

Caveat:  Shopify/active_merchant#757 is outstanding. If you try to use this gateway in 'test' mode, it will not work until that PR has been merged.

Conflicts:
	app/models/spree/gateway/usa_epay.rb
Add Pin gateway
send bill_to phone and email to authorize.net

Fixes #67
Partial for #66
Remove require for pry from pin_gateway_spec
Include FactoryGirl::Syntax::Methods in spec_helper
Use Braintree's card type detection instead of shoehorning into ActiveMerchant's

Fixes #100