more_refactor.rb

def validate_payment_profile(params)
  options = {
   :customer_profile_id         => self.cim_id,
   :customer_payment_profile_id => self.get_cim_payment_profile[:payment_profile_id],
   :validation_mode             => :test
  }
  
  options.merge!(params)
  
  response = GATEWAY.validate_customer_payment_profile(options)

   validation_hash = {
     :success  => (response.success? ? true : false),
     :message => response.params["direct_response"]["message"]
   }

   return validation_hash
end

def field_validate_payment_profile
  validate_payment_profile(:validation_mode => :test)
end

# NOTE this method will charge the member $0.01, which will
# promptly be voided... use with care
def live_validate_payment_profile
 validate_payment_profile(:validation_mode => :live)
end