Use correct merchant account for card verification

Based on plan currency

Merge branch 'settled-after'

* settled-after:
  Bills and BTC are settled immediately

Bills and BTC are settled immediately

Merge branch 'three_d'

* three_d:
  3D Secure Valuting

3D Secure Valuting

Merge branch 'activate-with-balance'

* activate-with-balance:
  Do not activate directly in cronjob

Do not activate directly in cronjob

Instead, just insert and notify. sgx-jmp will handle billing and activation now
when it sees the balance is sufficient.

Merge branch 'invite-rewards'

* invite-rewards:
  Process invite/referral rewards

Process invite/referral rewards

Select all unrewarded codes where there are associated transactions to meet the
reward criteria, and insert the rewards to the DB.

Forgot to require

Check for low balance when setting auto top up

People expect to be able to set their auto top up setting in response to a low
balance alert, and have this solve the problem instantly.  This change resets
the lock that prevents sgx-jmp from acting on a low_balance notification, and
then asks the database to check if the balance is low and issue a notify if
relevant, which would then result in sgx-jmp acting and charging their card at
the newly-configured level.

Factor out AutoTopUpRepo and add tests

catapult_cred is by customer_ID@jmp.chat now

This is gone

Removed web activation form

No longer used for either registrations or as a hack for payments, everything
handled by ad-hoc commands now and nothing links here any longer.

Add rake, used for tests

Merge branch 'do-not-bill-unregistered'

* do-not-bill-unregistered:
  Query sgx-jmp for every expired user
  Show backtrace and bail out hard on panic

Merge branch 'rubocop'

* rubocop:
  Update rubocop

Query sgx-jmp for every expired user

If they have no assigned tel, do not bill them or notify them.

Show backtrace and bail out hard on panic