Balanced: Handle outside card tokens

Outside libraries often use card urls to refer to tokenized payment
methods, and this makes the adapter agnostic to whether the card token
is a url or just a card identifier.
Balanced: Do not pass address if zip is missing

Balanced requires `postal_code` iff an address is passed. This patch
simply doesn't pass any address fields if `zip` is not provided.

If an API consumer wants to pass in partial addresses, they can simply
supply a default/fake `zip` when it is missing.
Rely on latest patch version of active_utils

Closes #1204.
Wirecard: Fix CVV & AVS response handling

Closes #1200.