Prior to 3.0.0 money_to_text took a named argument with_symbol. The default value was true and assing false would omit the currency symbol.
This data was later passed to the Money#format method with a default format string of '%u%n'. Users of MoneyHelper could not modify the format string or utilize additional format options, such as no_cents: false.
In 3.0.0 this was changed so money_to_text can take an optional format argument which is eventually passed to Money#format with only the slight modification of adding in format: '%u%n' if this key is not present.
Prior to 2.0.0 money_to_text took an amount in a currency's major units and converted this value internally before passing to Money#new which expects values in their minor unit (i.e. For USD the major unit is Dollars and the minor unit is Cents). This version removes the autoscaling so money_to_text can take amounts in their minor units.
Additionally, currency, number_only, and options were removed as postional arguments and replaced with named arguments currency, with_currency, and with_symbol with 'USD', true and true as their default arguments respectively.
One minor difference is that currency can be omited completely where as in < 2.0.0 '' or nil was required to be passed for the default of 'USD' to be used.
Finally the automatic omission of certain currency codes (USD, GBP, EUR, and MYR) is no longer supported. To replicate this behavior you must explicitly specify with_currency: false.
The following illustrates the primary difference in usage.
# Before 2.0.0
MoneyHelper.money_to_text(123, 'USD')
# => $123
# After 2.0.0
MoneyHelper.money_to_text(123) # `currency: 'USD'` is the default
# => USD $1.23
# to replicate previous behavior almost exactly
MoneyHelper.money_to_text(12300, with_currency: false)
# => $123.00
# Note the inclusion of the cents. The ability to remove this was added in 3.0.0 as another breaking change