Add Payment#risky?

Match the behavior of Payment.risky.

Author: elia

core/app/models/spree/payment.rb

@@ -127,6 +127,11 @@ def payment_source
       res || payment_method
     end
 
+    # @return [Boolean] true when this payment is risky
+    def risky?
+      is_avs_risky? || is_cvv_risky? || state == 'failed'
+    end
+
     # @return [Boolean] true when this payment is risky based on address
     def is_avs_risky?
       return false if avs_response.blank? || NON_RISKY_AVS_CODES.include?(avs_response)

core/spec/models/spree/payment_spec.rb

@@ -59,6 +59,16 @@
       end
     end
 
+    context '#risky?' do
+      it 'is true for risky payments' do
+        aggregate_failures do
+          expect(payment_1).not_to be_risky
+          expect(payment_2).not_to be_risky
+          expect(payment_3).to be_risky
+          expect(payment_4).to be_risky
+          expect(payment_5).to be_risky
+        end
+      end
     end
   end
 
@@ -1212,7 +1222,7 @@
     end
   end
 
-  describe "is_avs_risky?" do
+  describe "#is_avs_risky?" do
     it "returns false if avs_response included in NON_RISKY_AVS_CODES" do
       ('A'..'Z').reject{ |x| subject.class::RISKY_AVS_CODES.include?(x) }.to_a.each do |char|
         payment.update_attribute(:avs_response, char)