Fixes lack of currency for account payment
Adds AVS descriptions
Fix persistence on AVSdescription
Replaces deprecated 'fee' property with 'amount'
Added ability to refund a charge
Re-do loyalty program bug fixes discovered in the demo
Updated Version 3.1.12.016
Merge remote-tracking branch 'dzikakis/Issue-1920' into develop
Updated Version 3.1.12.017
Merge remote-tracking branch 'dzikakis/Issue-1919' into develop
Updated Version 3.1.12.018
Updated Version 3.1.13
Merge branch 'master' into develop

Conflicts:
	version.txt
Merge branch 'develop' into feature-gigya