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Let's start with one version first, baby steps
Implement initializer using Railtie

Discussed in issue (#4)
Better way of showing static methods
Gemfile.lock file should be visible for contributors sake
Small improvements, refactor code (#4)

* improve sample credentials file
* require ‘net/http’, used by Net::HTTP
* improve how the credentials are loaded and the environment set
* remove Rails specific code to Railtie, create fallbacks if using in a
non-Rails environment
* update README
* make constructor simpler
* refactor merchant.rb
Set up RSpec & test initializer (#2)
Add EOF empty line
Add travis script since we aren't using rake
Bump up version to 1.5.0 (minor version change)