better yard docs for Pager.initialize
Merge pull request #60 from jrus/master

allow account.promote_to_merchant to take a URI. Add on_behalf_of to account.debit
Reduce unrealistic connection timeout deadlines to reasonable defaults.
events and callbacks
get tests working
version bump
example for events, callbacks and logs
Merge pull request #61 from balanced/events-and-callbacks

events and callbacks
Merge pull request #55 from ajsharp/master

better yard docs for Pager.initialize
Update README.md
ach debit work
ruby spec tests
authentication -> verification
version bump and refactor fail
a bug, oh 💩
n00b ruby dev is n00b
Merge pull request #62 from balanced/achd

ACH Debits
bump version
Added OpenSSL troubleshooting section with SSL_connect info
Take a bow in the contributors list