diff --git a/.gitignore b/.gitignore
new file mode 100644
index 0000000..57872d0
--- /dev/null
+++ b/.gitignore
@@ -0,0 +1 @@
+/vendor/
diff --git a/README.md b/README.md
index 45259ac..33ed0a7 100644
--- a/README.md
+++ b/README.md
@@ -1,2 +1,66 @@
-# credo-payments
+# Credo Payments
+
 This package is for communicating with credocentral.com and credodemo.com API
+
+## Getting Started
+
+Install the package using composer.
+
+Run `composer require ezeasorekene/credo-payments`
+
+### Define your api keys
+
+Define your `$apiKeys` variable as an array with the public and private keys. You should get the keys from environment variables. Also define `CREDO_MODE` environment key with parameters `DEMO | LIVE`
+
+```php
+    $apiKeys = [
+        'publicKey' => getenv("CREDO_MODE") == 'LIVE' ? getenv("CREDO_LIVE_PUBLIC_KEY") : getenv("CREDO_TEST_PUBLIC_KEY"),
+        'secretKey' => getenv("CREDO_MODE") == 'LIVE' ? getenv("CREDO_LIVE_SECRET_KEY") : getenv("CREDO_TEST_SECRET_KEY"),
+    ];
+```
+
+### Instantiating Transaction
+
+```php
+   $credo = new CredoPay( $apiKeys, getenv("CREDO_MODE") );
+```
+
+Set data to post using array
+
+```php
+        $credodata = [
+            'reference' => uniqid(),
+            'amount' => 20000, //in kobo
+            'bearer' => 0,
+            'callbackUrl' => 'http://example.com/callback/credo',
+            'currency' => 'NGN',
+            'customerFirstName' => 'Credo',
+            'customerLastName' => 'Package',
+            'customerPhoneNumber' => '234080111111111',
+            'email' => 'credotest@gmail.com',
+            'channels' => array('card', 'bank'),
+            "metadata" => [
+                "customFields" => [
+                    [
+                        'display_name' => 'Custom Field Display 1',
+                        'variable_name' => 'Custom Field Variable 1',
+                        'value' => 'Custom Field Value 1'
+                    ]
+                ]
+            ],
+        ];
+```
+
+Response is a JSON encoded object. So to decode, perform a `json_decode`
+
+```php
+    $response = json_decode($credo->initialize($credodata));
+```
+
+### Verifying Transaction
+
+```php
+    $credo = new CredoPay( $apiKeys, getenv("CREDO_MODE") );
+    $verify = json_decode($credo->verify($reference));
+
+```
diff --git a/composer.json b/composer.json
new file mode 100644
index 0000000..7af427f
--- /dev/null
+++ b/composer.json
@@ -0,0 +1,20 @@
+{
+    "name": "ezeasorekene/credo-payments",
+    "description": "This package is for communicating with credocentral.com and credodemo.com API",
+    "type": "library",
+    "require": {
+        "curl/curl": "^2.5"
+    },
+    "license": "MIT",
+    "autoload": {
+        "psr-4": {
+            "Ezeasorekene\\CredoPayments\\": "src/"
+        }
+    },
+    "authors": [
+        {
+            "name": "Ekene Ezeasor",
+            "email": "ezeasorekene@gmail.com"
+        }
+    ]
+}
diff --git a/composer.lock b/composer.lock
new file mode 100644
index 0000000..1f27a3e
--- /dev/null
+++ b/composer.lock
@@ -0,0 +1,77 @@
+{
+    "_readme": [
+        "This file locks the dependencies of your project to a known state",
+        "Read more about it at https://getcomposer.org/doc/01-basic-usage.md#installing-dependencies",
+        "This file is @generated automatically"
+    ],
+    "content-hash": "f5e724367c25f9076ea01f5e3f734b49",
+    "packages": [
+        {
+            "name": "curl/curl",
+            "version": "2.5.0",
+            "source": {
+                "type": "git",
+                "url": "https://github.com/php-mod/curl.git",
+                "reference": "c4f8799c471e43b7c782c77d5c6e178d0465e210"
+            },
+            "dist": {
+                "type": "zip",
+                "url": "https://api.github.com/repos/php-mod/curl/zipball/c4f8799c471e43b7c782c77d5c6e178d0465e210",
+                "reference": "c4f8799c471e43b7c782c77d5c6e178d0465e210",
+                "shasum": ""
+            },
+            "require": {
+                "ext-curl": "*",
+                "php": "^5.6 | ^7.0 | ^8.0"
+            },
+            "require-dev": {
+                "yoast/phpunit-polyfills": "^0.2.0"
+            },
+            "type": "library",
+            "autoload": {
+                "psr-0": {
+                    "Curl": "src/"
+                }
+            },
+            "notification-url": "https://packagist.org/downloads/",
+            "license": [
+                "MIT"
+            ],
+            "authors": [
+                {
+                    "name": "php-curl-class",
+                    "homepage": "https://github.com/php-curl-class"
+                },
+                {
+                    "name": "Hassan Amouhzi",
+                    "email": "hassan@anezi.net",
+                    "homepage": "http://hassan.amouhzi.com"
+                },
+                {
+                    "name": "user52",
+                    "homepage": "https://github.com/user52"
+                }
+            ],
+            "description": "cURL class for PHP",
+            "homepage": "https://github.com/php-mod/curl",
+            "keywords": [
+                "curl",
+                "dot"
+            ],
+            "support": {
+                "issues": "https://github.com/php-mod/curl/issues",
+                "source": "https://github.com/php-mod/curl/tree/2.5.0"
+            },
+            "time": "2022-12-14T13:27:59+00:00"
+        }
+    ],
+    "packages-dev": [],
+    "aliases": [],
+    "minimum-stability": "stable",
+    "stability-flags": [],
+    "prefer-stable": false,
+    "prefer-lowest": false,
+    "platform": [],
+    "platform-dev": [],
+    "plugin-api-version": "2.3.0"
+}
diff --git a/src/CredoPay.php b/src/CredoPay.php
new file mode 100644
index 0000000..7314174
--- /dev/null
+++ b/src/CredoPay.php
@@ -0,0 +1,149 @@
+<?php
+
+namespace ezeasorekene\CredoPayments;
+
+use Curl\Curl;
+
+class CredoPay
+{
+
+    protected $publicKey;
+
+    protected $secretKey;
+
+    protected $baseUrl;
+
+    protected $response;
+
+    public $debug = false;
+
+    public $responseType = 'json';
+
+    public function __construct($apiKeys = [], $mode = 'LIVE')
+    {
+        $this->publicKey = isset($apiKeys['publicKey']) ? $apiKeys['publicKey'] : null;
+        $this->secretKey = isset($apiKeys['secretKey']) ? $apiKeys['secretKey'] : null;
+        $this->baseUrl = $mode == 'LIVE' ? 'https://api.credocentral.com' : 'https://api.public.credodemo.com';
+    }
+
+    public function initialize(array $data = [])
+    {
+        $initialize = new Curl();
+
+        $initialize->setHeader('Authorization', $this->publicKey);
+        $initialize->setHeader('Content-Type', 'application/json');
+
+        $initialize->post($this->baseUrl . "/transaction/initialize", json_encode($data));
+
+        $responseObject = json_decode($initialize->response);
+        $responseArray = json_decode($initialize->response, true);
+
+        if ($responseObject->status == 200) {
+            if ($this->responseType == 'array') {
+                $data = [
+                    'status' => $responseArray['status'],
+                    'message' => $responseArray['message'],
+                    'data' => [
+                        'authorizationUrl' => $responseArray['data']['authorizationUrl'],
+                        'reference' => $responseArray['data']['reference'],
+                        'credoReference' => $responseArray['data']['credoReference'],
+                    ]
+                ];
+            } else {
+                $data = json_encode([
+                    'status' => $responseObject->status,
+                    'message' => $responseObject->message,
+                    'data' => [
+                        'authorizationUrl' => $responseObject->data->authorizationUrl,
+                        'reference' => $responseObject->data->reference,
+                        'credoReference' => $responseObject->data->credoReference,
+                    ]
+                ]);
+            }
+        } else {
+            if ($this->responseType == 'array') {
+                $data = [
+                    'status' => $responseArray['status'],
+                    'message' => $responseArray['message'],
+                    'error' => isset($responseArray['error']) ? $responseArray['error'] : '',
+                ];
+            } else {
+                $data = json_encode([
+                    'status' => $responseObject->status,
+                    'message' => $responseObject->message,
+                    'error' => isset($responseObject->error) ? $responseObject->error : '',
+                ]);
+            }
+        }
+
+        return $data;
+    }
+
+    public function verify(string $reference)
+    {
+        $verify = new Curl();
+
+        $verify->setHeader('Authorization', $this->secretKey);
+        $verify->setHeader('Content-Type', 'application/json');
+
+        $verify->get($this->baseUrl . "/transaction/{$reference}/verify");
+
+        $responseObject = json_decode($verify->response);
+        $responseArray = json_decode($verify->response, true);
+
+        if ($responseObject->status == 200) {
+            if ($this->responseType == 'array') {
+                $data = [
+                    'status' => $responseArray['status'],
+                    'message' => $responseArray['message'],
+                    'data' => [
+                        'email' => $responseArray['data']['customerId'],
+                        'transactionDate' => isset($responseArray['data']['transactionDate']) ? $responseArray['data']['transactionDate'] : '',
+                        'reference' => $responseArray['data']['businessRef'],
+                        'credoReference' => $responseArray['data']['transRef'],
+                        'currencyCode' => $responseArray['data']['currencyCode'],
+                        'debitedAmount' => $responseArray['data']['debitedAmount'],
+                        'transAmount' => $responseArray['data']['transAmount'],
+                        'transFeeAmount' => $responseArray['data']['transFeeAmount'],
+                        'metadata' => $responseArray['data']['metadata'],
+                        'status' => $responseArray['data']['status'],
+                    ]
+                ];
+            } else {
+                $data = json_encode([
+                    'status' => $responseObject->status,
+                    'message' => $responseObject->message,
+                    'data' => [
+                        'email' => $responseObject->data->customerId,
+                        'transactionDate' => isset($responseObject->data->transactionDate) ? $responseObject->data->transactionDate : '',
+                        'reference' => $responseObject->data->businessRef,
+                        'credoReference' => $responseObject->data->transRef,
+                        'currencyCode' => $responseObject->data->currencyCode,
+                        'debitedAmount' => $responseObject->data->debitedAmount,
+                        'transAmount' => $responseObject->data->transAmount,
+                        'transFeeAmount' => $responseObject->data->transFeeAmount,
+                        'metadata' => $responseObject->data->metadata,
+                        'status' => $responseObject->data->status,
+                    ]
+                ]);
+            }
+        } else {
+            if ($this->responseType == 'array') {
+                $data = [
+                    'status' => $responseArray['status'],
+                    'message' => $responseArray['message'],
+                    'error' => isset($responseArray['error']) ? $responseArray['error'] : '',
+                ];
+            } else {
+                $data = json_encode([
+                    'status' => $responseObject->status,
+                    'message' => $responseObject->message,
+                    'error' => isset($responseObject->error) ? $responseObject->error : '',
+                ]);
+            }
+        }
+
+        return $data;
+    }
+
+}
\ No newline at end of file