create factory method for address
create factory method for bca klikbca
create factory method for bca klikpay
create factory method for capture request
create factory method for cimb clicks
create factory method for credit card
create factory method for customer details
create factory method for item
create factory method for mandiri clickpay
create factory method for merchant info
create factory method for payment request
create factory method for settlement request
create builder & interface for TelkomselCash
create factory method for telkomsel cash
change variable tcash from mutable to immutable
create factory method for transaction details
create factory method for vtlink
create factory method for vtweb
create factory method for xl potong pulsa
add some factory method for creating model object