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realtime_refund_bop
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instead of just being a checkbox when posting a credit. RT#3812
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separate those concepts, and cashflow gets gross & net variants. also add gross/net refunds. #3012
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full 6-digit BIN prefix for card identification. have cust_pay_batch use payinfo_Mixin. require B:CC 0.30 for mask-aware cardtype(). fix payment reports to use mask too if available, so credit card type selection still works with encryption.
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payby.pm, add ACL for re-processing batches, separate CARD and CHEK batches, fixed defaults for batch formats
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