# File lib/active_merchant/billing/gateways/epay.rb, line 72
      def purchase(money, credit_card_or_reference, options = {})
        post = {}

        add_amount(post, money, options)
        add_creditcard_or_reference(post, credit_card_or_reference)
        add_invoice(post, options)
        add_instant_capture(post, true)

        commit(:authorize, post)
      end