code: function Payment(options) {
    if (!(this instanceof Payment))
      return new Payment(options);
  
    this.merchantData = null;
    this.transactions = [];
    this.refundTo = [];
    this.memo = null;
  
    if (options)
      this.fromOptions(options);
  }
docs: Represents a BIP70 payment.
  @alias module:bip70.Payment
  @constructor
  @param {Object?} options
  @property {Buffer} merchantData
  @property {TX[]} transactions
  @property {Output[]} refundTo
  @property {String|null} memo