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fix currency_code option for Japanese Yen (JPN -> JPY)
remove profile from arguments for agree! method
Per https://cms.paypal.com/uk/cgi-bin/?cmd=_render-content&content_ID=developer/e_howto_api_ECReferenceTxns it is recommended to use the Billing Agreement ID instead of the Reference ID. Also in my testing, the reference object was nil.
hahaha, I missed "Charge" sample :p
reference transaction docs