In the e-comerce, when the user try to add a new card in this payment
methods.
Before this commit, to validate the card, besides of the creation of the
payment token, an amount of $1.5 id charged and refunded.
During the refunded an error was raised. This error arrives because:
payments made via Authorize.net are settled and allowed to be refunded
only on the next day.
https://account.authorize.net/help/Miscellaneous/FAQ/Frequently_Asked_Questions.htm#Refund
<quote>The original transaction that you wish to refund must have a status of Settled Successfully.
You cannot issue refunds against unsettled, voided, declined or errored transactions.</quote>
This means, we can't refund directly after the payment.
Now, we only create the payment token. As Authorize.net verify the card
during the creation of the token, a new verification is not needed.
OPW-1927754
closesodoo/odoo#30905