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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)
Correct README
Set default values if YAML file is missing
Fix error cause by missing htmlentities
Bump unto v1.5.1 (patches)
Update Gemfile.lock
Update CHANGELOG & README
Update Gemfile.lock
Test against more Ruby versions