gistfile1.txt

    def begin_phone_transaction(vendor_user, client_user)
      t = new
      t.description = 'Phone Transaction'
      t.state = 'progressing'
      t.sender_user_transactions.build :user => client_user, :amount => Money.new(0, 'USD')
      t.receiver_user_transactions.build :user => vendor_user, :amount => Money.new(0, 'USD')
      t.receiver_user_transactions.build :user => SpecialUser.vipwithme_billing, :amount => Money.new(0, 'USD')

      t.save!
      t
    end