[IMP] iap: generic method to recharge an account manually

Up until now, services developed (sms) relied on the get() and
InsufficientCreditError mecanism to create iap_accounts on the fly and
recharge it.

This particular workflow does not work well with automated processes which
is why we modify the function get_credit_url such that it will allow the
client to generate the 'recharge' link manually for better integration
of iap services.

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