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+1 Anyone aware of an open source library or API docs that facilitate this?

Yes, CORE-1764 done for 3.6.0-b1 and included in 3.6 final next week.

naja7host has wrote a plugin for that , it's free .

If the payment was charged using a gateway, and the gateway supports refunds, then you'll have a checkbox option available that will refund it using the gateway. For example, it might say, "Process this status change with the payment gateway (Stripe)".

what i suggestfor you is to create a plugin that act in the event Transactions.add , and get the transaction by thier ID , so if the transaction belong to your gateways and has the status "pending" add it to the plugin page list , then you can easly identify wich transaction need to be ready for capture .....

You can do it like that $amount = $this->Currencies->convert($original_amount, $from_currency, $to_currency, $company_id) ; $exchange_rate = ($amount/$original_amount) ;

Yes, I understand usernames are unique. My immediate concern is usability. Login asks for Username not email address.... Ideally the actual userid would be an random unique integer. Username, phone numbers, email addresses, twitter, google, and facebook would be the unique identifiers that can be linked to the userid that the customer may never even see. Now the user can sign in with either an email address or username with their account password.... Or via facebook, google, or twitter via Third Party Authentication. TPA increases sales because it streamlines account creation and prevents users from having to remember yet another password. It's also inherently more secure. (no everyone agrees on that last point though)