public function createCredentials()
    {
        $credentials = new Credentials();
        $credentials->setTransactor($this);
        $credentials->setCredentials(array(
            'providerId' => null,
            'providerGateId' => null,
            'providerGateKey' => null,
            'merchantId' => null,
            'merchantGateId' => null,
            'merchantGateKey' => null
        ));

        return $credentials;
    }