fix formatting
include refno in status request

allows status lookups by merchant reference number
add Gemfile.lock to gitignore

see http://stackoverflow.com/questions/4151495/should-gemfile-lock-be-included-in-gitignore
lock rspec version to ~> 2.14.1
lock httparty and activesupport versions for ree
lock activesupport dependency version to 3.x for legacy 1.8.7
implement StatusResponse#transaction_id
implement credit transaction
remove todo
switch to .ruby-version
Merge branch 'include_refno_in_statusreq'