[#82259176] Change nesting in create_variant

Story: https://www.pivotaltracker.com/story/show/82259176
[#82259176] Prevent invalid matches for pg_client_token/pg_payment_token

Story: https://www.pivotaltracker.com/story/show/82259176
[#82259176] Allow setting memo/description field

Story: https://www.pivotaltracker.com/story/show/82259176