private TransactionResponse Refund(string reference, decimal amount)
        {
            var refundRequest = new RefundRequest(_userName, _password, reference, amount);
            var response      = refundRequest.Execute();

            return(new TransactionResponse
            {
                Approved = response.ResponseStatus == ResponseStatus.Approved,
                AuthCode = response.AuthCode,
                Message = response.ResponseText,
                TransactionId = response.TransactionId
            });
        }