changes requested by jduff
Payflow Link: Use secure token for passing data to PayPal
Add refund method to some gateways that do referenced credits
Fix indentation of `VerifiGateway#initialize` by replacing whitespacing.
Add support for all signature procedures. Helped by @rymai
Add AVS/CVV support for Moneris
Merge pull request #194 from braintreeps/braintree-improve-gateway-rejected-msg

Braintree: handle gateway_rejected transactions gracefully
Fix bug where passing an empty hash to the order attribute would create an XSD validation error. If the order attribute is empty, it should simply be omitted.
Payflow Link: use passed in user, or default to the login
Moneris: respect passed in test option
Lock the money gem to 3.7.1 or less since newer versions break in 1.9
Add FeeFighters Samurai Gateway support
Refactor Samurai gateway
Fix Samurai tests in 2.3.x related to AR::Errors and mocking
Orbital: Various fixes and adjustments:

* Default platform to Salem Global and allow a custom BIN to be passed in.
* Void should always do a full void, remove amount argument
* Refactor xml generation for easier maintainability
* Use creditcard.brand instead of creditcard.type to ensure interoperability with non credit card models outside of ActiveMerchant
Beanstream: fix tests to use new api #refund instead of #credit
Beanstream: cover the case when source for purchase is a Secure Profile

Beanstream: add tests for Beanstream#purchase with check and vault
Merge pull request #213 from ZenCocoon/signatures

Ogone: Add support for all signature procedures. Helped by @rymai
Merge pull request #178 from matthewcalebsmith/usa_epay_pull_request

Added support for USA ePay's Advanced SOAP interface.
Add support for custom ECI