diff --git a/README.md b/README.md
index c39e8ac..1a6219d 100644
--- a/README.md
+++ b/README.md
@@ -25,12 +25,34 @@ Or install it yourself as:
 
 ## Usage
 
+### Configuration
+
+First of all you need to setup credentials to use Yookassa.
+You can configure your instance of Yookassa once in a application booting time. Ex. if you use rails, just put these lines into initializer file
+
 ```ruby
-# Payment
+# config/initializers/yookassa.rb
 
-client = Yookassa::Payment.new(shop_id: 'shop_id', api_key: 'api_key')
+Yookassa.configure do |config|
+  config.shop_id = ENV.fetch('YOOKASSA_SHOP_ID') # or put your shop_id and api_key here directly
+  config.api_key = ENV.fetch('YOOKASSA_API_KEY') # can be taken from Rails.credentials too
+end
+```
 
-payment = {
+There are some cases, when you need to connect to different Yookassa accounts (say, your clients need to connect to Yookassa). That probably means that you run a marketplace or multitenant system. There is a solution for this one from Yookassa, see https://yookassa.ru/en/developers/special-solutions/checkout-for-platforms/basics or https://yookassa.ru/en/developers/partners-api/basics
+
+If that is not your case, and you still have multiple shop_ids and api_keys, and need to handle all of them under one application, then you need to instantiate clients inline
+
+```ruby
+client1 = Yookassa::Client.new(shop_id: 'shop_1', api_key: '123')
+client2 = Yookassa::Client.new(shop_id: 'shop_2', api_key: '456')
+```
+
+### Making Payments
+
+#### Creating payment
+```ruby
+payload = {
     amount: {
         value:    100,
         currency: 'RUB'
@@ -42,23 +64,31 @@ payment = {
     }
 }
 
-client.create(payment: payment)
+payment = Yookassa.payments.create(payment: payload)
 
-client.get_payment_info(payment_id: '12345')
+# or
 
-client.capture(payment_id: '12345')
+client = Yookassa::Client.new(shop_id: 'shop_1', api_key: '123')
+payment = client.payments.create(payment: payload)
+```
 
-client.cancel(payment_id: '12345')
+#### Other payment requests
 
-# Refund
+```ruby
+Yookassa.payments.find(payment_id: '12345')
+Yookassa.payments.capture(payment_id: '12345')
+Yookassa.payments.cancel(payment_id: '12345')
+```
 
-client = Yookassa::Refund.new(shop_id: 'shop_id', api_key: 'api_key')
+### Refunds
 
-client.create(payload: payload)
-
-client.get_refund_info(payment_id: '12345')
+```ruby
+payment = Yookassa.refunds.create(payment: payload)
 
+# or
 
+client = Yookassa::Client.new(shop_id: 'shop_1', api_key: '123')
+payment = client.refunds.create(payment: payload)
 ```
 
 ## Contributing
diff --git a/lib/yookassa.rb b/lib/yookassa.rb
index aaebd55..9ab3420 100644
--- a/lib/yookassa.rb
+++ b/lib/yookassa.rb
@@ -1,22 +1,31 @@
 # frozen_string_literal: true
 
-require "http"
 require "dry-struct"
+require "forwardable"
 require "yookassa/version"
-require "yookassa/payment"
-require "yookassa/refund"
-require "yookassa/entity/payment"
-require "yookassa/entity/refund"
-require "yookassa/entity/error"
 require "yookassa/config"
-require "yookassa/http_helpers"
+require "yookassa/client"
 
 module Yookassa
-  def self.configure
-    yield(config)
-  end
+  ConfigError = Class.new(StandardError)
 
-  def self.config
-    @config ||= Config.new
+  class << self
+    extend Forwardable
+
+    def configure
+      yield(config)
+    end
+
+    def config
+      @config ||= Config.new
+    end
+
+    def client
+      raise ConfigError, "Specify `shop_id` and `api_key` settins in a `.configure` block" if @config.nil?
+
+      @client ||= Client.new(shop_id: @config.shop_id, api_key: @config.api_key)
+    end
+
+    def_delegators :client, :payments, :refunds
   end
 end
diff --git a/lib/yookassa/client.rb b/lib/yookassa/client.rb
new file mode 100644
index 0000000..03e3369
--- /dev/null
+++ b/lib/yookassa/client.rb
@@ -0,0 +1,44 @@
+# frozen_string_literal: true
+
+require "http"
+require_relative "./payments"
+require_relative "./refunds"
+require_relative "./entity/error"
+
+module Yookassa
+  class Client
+    API_URL = "https://api.yookassa.ru/v3/"
+
+    attr_reader :http
+
+    def initialize(shop_id:, api_key:)
+      @http = HTTP.basic_auth(user: shop_id, pass: api_key).headers(accept: "application/json")
+    end
+
+    def payments
+      @payments ||= Payments.new(self)
+    end
+
+    def refunds
+      @refunds ||= Refunds.new(self)
+    end
+
+    def get(endpoint, query: {})
+      api_call { http.get("#{API_URL}#{endpoint}", params: query) }
+    end
+
+    def post(endpoint, idempotency_key:, payload: {})
+      api_call { http.headers("Idempotence-Key" => idempotency_key).post("#{API_URL}#{endpoint}", json: payload) }
+    end
+
+    private
+
+    def api_call
+      response = yield if block_given?
+      body = JSON.parse(response.body.to_s, symbolize_names: true)
+      return body if response.status.success?
+
+      Entity::Error.new(**body)
+    end
+  end
+end
diff --git a/lib/yookassa/entity/error.rb b/lib/yookassa/entity/error.rb
index 6d225e4..5e99f65 100644
--- a/lib/yookassa/entity/error.rb
+++ b/lib/yookassa/entity/error.rb
@@ -1,5 +1,7 @@
 # frozen_string_literal: true
 
+require_relative "./types"
+
 module Yookassa
   module Entity
     class Error < Dry::Struct
diff --git a/lib/yookassa/entity/payment.rb b/lib/yookassa/entity/payment.rb
index 3eee770..f64d642 100644
--- a/lib/yookassa/entity/payment.rb
+++ b/lib/yookassa/entity/payment.rb
@@ -16,6 +16,8 @@ module Yookassa
       # Payment ID in YooMoney.
       attribute :id, Types::String
 
+      attribute? :idempotency_key, Types::String
+
       # status [string, required]
       # Payment status. Possible values: pending, waiting_for_capture, succeeded, and canceled.
       # More about the life cycle of a payment https://yookassa.ru/en/developers/api#:~:text=life%20cycle%20of%20a%20payment%C2%A0
diff --git a/lib/yookassa/entity/refund.rb b/lib/yookassa/entity/refund.rb
index 03613cb..920547b 100644
--- a/lib/yookassa/entity/refund.rb
+++ b/lib/yookassa/entity/refund.rb
@@ -7,6 +7,7 @@ module Yookassa
   module Entity
     class Refund < Dry::Struct
       attribute :id, Types::String
+      attribute? :idempotency_key, Types::String
       attribute :status, Types::String
       attribute :payment_id, Types::String
       attribute :created_at, Types::String
diff --git a/lib/yookassa/http_helpers.rb b/lib/yookassa/http_helpers.rb
deleted file mode 100644
index 26e80d6..0000000
--- a/lib/yookassa/http_helpers.rb
+++ /dev/null
@@ -1,29 +0,0 @@
-# frozen_string_literal: true
-
-module Yookassa
-  module HttpHelpers
-    API_URL = "https://api.yookassa.ru/v3/"
-
-    def get(endpoint, query: {})
-      response = client.get("#{API_URL}#{endpoint}", params: query)
-      body = JSON.parse(response.body.to_s, symbolize_names: true)
-
-      return Entity::Error.new(**body) if response.status.client_error?
-
-      yield(body) if block_given?
-    end
-
-    def post(endpoint, idempotency_key:, payload: {})
-      response = client.headers("Idempotence-Key" => idempotency_key).post("#{API_URL}#{endpoint}", json: payload)
-      body = JSON.parse(response.body.to_s, symbolize_names: true)
-
-      return Entity::Error.new(**body) if response.status.client_error?
-
-      yield(body) if block_given?
-    end
-
-    def client
-      HTTP.basic_auth(user: shop_id, pass: api_key).headers(accept: "application/json")
-    end
-  end
-end
diff --git a/lib/yookassa/payment.rb b/lib/yookassa/payment.rb
deleted file mode 100644
index 982d2f6..0000000
--- a/lib/yookassa/payment.rb
+++ /dev/null
@@ -1,46 +0,0 @@
-# frozen_string_literal: true
-
-require_relative "http_helpers"
-
-module Yookassa
-  class Payment
-    include HttpHelpers
-
-    attr_reader :shop_id, :api_key
-
-    def initialize(shop_id: Yookassa.config.shop_id, api_key: Yookassa.config.api_key)
-      @shop_id = shop_id
-      @api_key = api_key
-    end
-
-    def get_payment_info(payment_id:)
-      get("payments/#{payment_id}") do |response|
-        Entity::Payment.new(**response)
-      end
-    end
-
-    def create(payment:, idempotency_key: SecureRandom.hex(10))
-      post("payments", payload: payment, idempotency_key: idempotency_key) do |response|
-        Entity::Payment.new(**response)
-      end
-    end
-
-    def capture(payment_id:, idempotency_key: SecureRandom.hex(10))
-      post("payments/#{payment_id}/capture", idempotency_key: idempotency_key) do |response|
-        Entity::Payment.new(**response)
-      end
-    end
-
-    def cancel(payment_id:, idempotency_key: SecureRandom.hex(10))
-      post("payments/#{payment_id}/cancel", idempotency_key: idempotency_key) do |response|
-        Entity::Payment.new(**response)
-      end
-    end
-
-    # def self.list(shop_id: Yookassa.config.shop_id, api_key: Yookassa.config.api_key)
-    #   get("payments", shop_id: shop_id, api_key: api_key) do |resp|
-    #     resp['items'].map { Entity::Payment.new(_1) }
-    #   end
-    # end
-  end
-end
diff --git a/lib/yookassa/payments.rb b/lib/yookassa/payments.rb
new file mode 100644
index 0000000..47623ff
--- /dev/null
+++ b/lib/yookassa/payments.rb
@@ -0,0 +1,35 @@
+# frozen_string_literal: true
+
+require_relative "./entity/payment"
+
+module Yookassa
+  class Payments
+    def initialize(api)
+      @api = api
+    end
+
+    def find(payment_id:)
+      data = api.get("payments/#{payment_id}")
+      Entity::Payment.new(**data)
+    end
+
+    def create(payment:, idempotency_key: SecureRandom.hex(10))
+      data = api.post("payments", payload: payment, idempotency_key: idempotency_key)
+      Entity::Payment.new(**data.merge(idempotency_key: idempotency_key))
+    end
+
+    def capture(payment_id:, idempotency_key: SecureRandom.hex(10))
+      data = api.post("payments/#{payment_id}/capture", idempotency_key: idempotency_key)
+      Entity::Payment.new(**data.merge(idempotency_key: idempotency_key))
+    end
+
+    def cancel(payment_id:, idempotency_key: SecureRandom.hex(10))
+      data = api.post("payments/#{payment_id}/cancel", idempotency_key: idempotency_key)
+      Entity::Payment.new(**data.merge(idempotency_key: idempotency_key))
+    end
+
+    private
+
+    attr_reader :api
+  end
+end
diff --git a/lib/yookassa/refund.rb b/lib/yookassa/refund.rb
deleted file mode 100644
index 09cc6e5..0000000
--- a/lib/yookassa/refund.rb
+++ /dev/null
@@ -1,28 +0,0 @@
-# frozen_string_literal: true
-
-require_relative "http_helpers"
-
-module Yookassa
-  class Refund
-    include HttpHelpers
-
-    attr_reader :shop_id, :api_key
-
-    def initialize(shop_id: Yookassa.config.shop_id, api_key: Yookassa.config.api_key)
-      @shop_id = shop_id
-      @api_key = api_key
-    end
-
-    def get_refund_info(payment_id:)
-      get("refunds/#{payment_id}") do |response|
-        Entity::Refund.new(**response)
-      end
-    end
-
-    def create(payload:, idempotency_key: SecureRandom.hex(10))
-      post("refunds", payload: payload, idempotency_key: idempotency_key) do |response|
-        Entity::Refund.new(**response)
-      end
-    end
-  end
-end
diff --git a/lib/yookassa/refunds.rb b/lib/yookassa/refunds.rb
new file mode 100644
index 0000000..43869c0
--- /dev/null
+++ b/lib/yookassa/refunds.rb
@@ -0,0 +1,25 @@
+# frozen_string_literal: true
+
+require_relative "./entity/refund"
+
+module Yookassa
+  class Refunds
+    def initialize(api)
+      @api = api
+    end
+
+    def find(payment_id:)
+      data = api.get("refunds/#{payment_id}")
+      Entity::Refund.new(**data)
+    end
+
+    def create(payload:, idempotency_key: SecureRandom.hex(10))
+      data = api.post("refunds", payload: payload, idempotency_key: idempotency_key)
+      Entity::Refund.new(**data.merge(idempotency_key: idempotency_key))
+    end
+
+    private
+
+    attr_reader :api
+  end
+end
diff --git a/spec/yookassa/payment_spec.rb b/spec/yookassa/payments_spec.rb
similarity index 91%
rename from spec/yookassa/payment_spec.rb
rename to spec/yookassa/payments_spec.rb
index f13b39a..2286edb 100644
--- a/spec/yookassa/payment_spec.rb
+++ b/spec/yookassa/payments_spec.rb
@@ -1,9 +1,11 @@
 # frozen_string_literal: true
 
-RSpec.describe Yookassa::Payment do
-  let(:settings) { { shop_id: "SHOP_ID", api_key: "API_KEY" } }
-  let(:idempotency_key) { 12_345 }
-  let(:payment) { described_class.new(**settings) }
+RSpec.describe Yookassa::Payments do
+  let(:config) { { shop_id: "SHOP_ID", api_key: "API_KEY" } }
+  let(:client) { Yookassa::Client.new(**config) }
+  let(:idempotency_key) { SecureRandom.hex(1) }
+
+  let(:payment) { client.payments }
   let(:body) { File.read("spec/fixtures/payment_response.json") }
 
   before { stub_request(:any, //).to_return(body: body, headers: { "Content-Type" => "application/json" }) }
@@ -55,11 +57,11 @@ RSpec.describe Yookassa::Payment do
     it_behaves_like "returns_payment_object"
   end
 
-  describe "#get_payment_info" do
+  describe "#find" do
     let(:payment_id) { "2490ded1-000f-5000-8000-1f64111bc63e" }
     let(:url) { "https://api.yookassa.ru/v3/payments/#{payment_id}" }
 
-    subject { payment.get_payment_info(payment_id: payment_id) }
+    subject { payment.find(payment_id: payment_id) }
 
     it "sends a request" do
       subject
diff --git a/spec/yookassa/refund_spec.rb b/spec/yookassa/refunds_spec.rb
similarity index 79%
rename from spec/yookassa/refund_spec.rb
rename to spec/yookassa/refunds_spec.rb
index 526d3d9..d075d65 100644
--- a/spec/yookassa/refund_spec.rb
+++ b/spec/yookassa/refunds_spec.rb
@@ -1,9 +1,10 @@
 # frozen_string_literal: true
 
-RSpec.describe Yookassa::Refund do
-  let(:settings) { { shop_id: "SHOP_ID", api_key: "API_KEY" } }
-  let(:idempotency_key) { 12_345 }
-  let(:payment) { described_class.new(**settings) }
+RSpec.describe Yookassa::Refunds do
+  let(:config) { { shop_id: "SHOP_ID", api_key: "API_KEY" } }
+  let(:client) { Yookassa::Client.new(**config) }
+  let(:idempotency_key) { SecureRandom.hex(1) }
+  let(:refund) { client.refunds }
   let(:body) { File.read("spec/fixtures/refund_response.json") }
 
   before { stub_request(:any, //).to_return(body: body, headers: { "Content-Type" => "application/json" }) }
@@ -27,7 +28,7 @@ RSpec.describe Yookassa::Refund do
     let(:payload) { JSON.parse(File.read("spec/fixtures/refund.json")) }
     let(:url) { "https://api.yookassa.ru/v3/refunds" }
 
-    subject { payment.create(payload: payload, idempotency_key: idempotency_key) }
+    subject { refund.create(payload: payload, idempotency_key: idempotency_key) }
 
     it "sends a request" do
       subject
@@ -37,11 +38,11 @@ RSpec.describe Yookassa::Refund do
     it_behaves_like "returns_refund_object"
   end
 
-  describe "#get_refund_info" do
+  describe "#find" do
     let(:payment_id) { "2490ded1-000f-5000-8000-1f64111bc63e" }
     let(:url) { "https://api.yookassa.ru/v3/refunds/#{payment_id}" }
 
-    subject { payment.get_refund_info(payment_id: payment_id) }
+    subject { refund.find(payment_id: payment_id) }
 
     it "sends a request" do
       subject
diff --git a/spec/yookassa_spec.rb b/spec/yookassa_spec.rb
index ec16e61..1acdf7c 100644
--- a/spec/yookassa_spec.rb
+++ b/spec/yookassa_spec.rb
@@ -5,17 +5,40 @@ RSpec.describe Yookassa do
     expect(Yookassa::VERSION).not_to be nil
   end
 
-  describe ".configure" do
-    before do
-      Yookassa.configure do |config|
-        config.shop_id = 123
-        config.api_key = "test_321"
-      end
+  before do
+    Yookassa.configure do |config|
+      config.shop_id = 123
+      config.api_key = "test_321"
     end
+  end
 
+  describe ".configure" do
     it "stores settings and provides access to credentials" do
       expect(Yookassa.config.shop_id).to eq(123)
       expect(Yookassa.config.api_key).to eq("test_321")
     end
   end
+
+  describe ".client" do
+    context "when no settings are provided" do
+      before { Yookassa.instance_variable_set(:@config, nil) }
+
+      it "raises an error" do
+        expect { Yookassa.client }.to raise_error(Yookassa::ConfigError)
+      end
+    end
+
+    context "when instance configured" do
+      it "creates and stores client" do
+        expect(Yookassa.client).to be_a(Yookassa::Client)
+        expect(Yookassa.client).to eq(Yookassa.client)
+      end
+    end
+  end
+
+  describe ".payments" do
+    it "delegates request to client and creates an instance" do
+      expect(Yookassa.payments).to be_a(Yookassa::Payments)
+    end
+  end
 end