diff --git a/.editorconfig b/.editorconfig
new file mode 100755
index 0000000..36bd035
--- /dev/null
+++ b/.editorconfig
@@ -0,0 +1,10 @@
+# see http://editorconfig.org/
+
+root = true
+
+[*]
+indent_style = space
+indent_size = 2
+end_of_line = lf
+charset = utf-8
+insert_final_newline = true
diff --git a/.env.example b/.env.example
new file mode 100644
index 0000000..a45c387
--- /dev/null
+++ b/.env.example
@@ -0,0 +1,6 @@
+UK_CARD_EXTERNAL_ID='ABCDEFGHIJKLM123'
+
+UK_REST_API_USERNAME='username'
+UK_REST_API_PASSWORD='password'
+UK_REST_API_MERCHANT_UNIQUE_TAG='tag'
+UK_REST_API_PROGRAM_UNIQUE_TAG='tag'
diff --git a/.gitignore b/.gitignore
new file mode 100755
index 0000000..4717517
--- /dev/null
+++ b/.gitignore
@@ -0,0 +1,4 @@
+.env
+coverage
+Gemfile.lock
+spec/vcr_cassettes
diff --git a/.rspec b/.rspec
new file mode 100644
index 0000000..8bb8919
--- /dev/null
+++ b/.rspec
@@ -0,0 +1,5 @@
+--color
+--fail-fast
+--format documentation
+--profile
+--require spec_helper
diff --git a/.rubocop.yml b/.rubocop.yml
new file mode 100644
index 0000000..058272f
--- /dev/null
+++ b/.rubocop.yml
@@ -0,0 +1,74 @@
+require:
+  - rubocop-performance
+  - rubocop-rspec
+
+AllCops:
+  TargetRubyVersion: 2.6.4
+
+Layout/AlignParameters:
+  EnforcedStyle: with_fixed_indentation
+
+Layout/DotPosition:
+  EnforcedStyle: trailing
+
+Layout/EndAlignment:
+  AutoCorrect: true
+  EnforcedStyleAlignWith: variable
+
+Layout/IndentFirstArrayElement:
+  EnforcedStyle: consistent
+
+Layout/MultilineMethodCallIndentation:
+  EnforcedStyle: indented
+
+Layout/MultilineOperationIndentation:
+  EnforcedStyle: indented
+
+Lint/AmbiguousBlockAssociation:
+  Exclude:
+    - spec/**/*
+
+RSpec/BeforeAfterAll:
+  Enabled: false
+
+RSpec/ExampleLength:
+  Max: 10
+
+RSpec/MultipleExpectations:
+  Enabled: false
+
+RSpec/NestedGroups:
+  Max: 4
+
+RSpec/FilePath:
+  Enabled: false
+
+Security/Eval:
+  Enabled: false
+
+Style/Documentation:
+  Enabled: false
+
+Style/GuardClause:
+  Enabled: false
+
+Style/LambdaCall:
+  Enabled: false
+
+Style/NegatedIf:
+  Enabled: false
+
+Style/Send:
+  Enabled: true
+
+Style/StringLiterals:
+  EnforcedStyle: double_quotes
+
+Style/StringLiteralsInInterpolation:
+  EnforcedStyle: double_quotes
+
+Style/TrailingCommaInArrayLiteral:
+  EnforcedStyleForMultiline: consistent_comma
+
+Style/TrailingCommaInHashLiteral:
+  EnforcedStyleForMultiline: consistent_comma
diff --git a/Gemfile b/Gemfile
new file mode 100644
index 0000000..6b0313b
--- /dev/null
+++ b/Gemfile
@@ -0,0 +1,5 @@
+# frozen_string_literal: true
+source "https://rubygems.org"
+
+# Declare your dependencies in eml.gemspec
+gemspec
diff --git a/LICENSE b/LICENSE
new file mode 100755
index 0000000..52ff9b1
--- /dev/null
+++ b/LICENSE
@@ -0,0 +1,21 @@
+The MIT License
+
+Copyright (c) 2019- Morning Coffee Pty Ltd (https://morningcoffee.com.au)
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in
+all copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN
+THE SOFTWARE.
diff --git a/README.md b/README.md
new file mode 100755
index 0000000..3d7b7f0
--- /dev/null
+++ b/README.md
@@ -0,0 +1,87 @@
+# EML API integration library for Ruby
+
+The EML API integration library provides convenient access to EML's REST Web
+Services and Transaction Notification Service for applications written in
+the Ruby language.
+
+Version 1 supports the UK APIs with Australian support coming as existing code
+is extracted.
+
+## Installation
+
+You don't need this source code unless you want to modify the gem. If you just
+want to use the package, just include the following in your Gemfile:
+
+```sh
+gem "eml", github: "MorningCoffeeDev/eml_ruby"
+```
+
+If you are debugging or developing this gem and wish to use it within the
+context of an existing application, modify your Gemfile to read:
+
+```sh
+gem "eml", path: "../path_to_gem"
+```
+
+### Requirements
+
+- Ruby 2.6+ (untested in prior versions)
+
+## Usage
+
+Each geographical region is a separate module and will need to be configured
+with your supplied credentials.
+
+```ruby
+require "eml"
+
+EML::UK.configure do |config|
+  config.username = "username"
+  config.password = "password"
+  config.merchant = "merchant_id"
+  config.program = "program_id"
+end
+```
+
+Make sure you never commit your credentials to git. If you are using Ruby on
+Rails, it is usually best to keep your secrets in your
+[credentials file]: https://edgeguides.rubyonrails.org/security.html#custom-credentials
+
+## Development
+
+Since it is necessary to authenticate with EML to test API resources,
+credentials and a test card ID are required. The dotenv gem is loaded when tests
+are run and will look for a .env file in the root directory. A .env.example file
+has been supplied so you copy it to .env and replace the example values:
+
+```sh
+cp .env.example .env
+```
+
+The .env file has been added to the .gitignore list and should never been
+commited to the repository.
+
+Run all tests:
+
+```sh
+bundle exec rspec
+```
+
+Run a single test suite:
+
+```sh
+bundle exec rspec spec/path/to/file.rb
+```
+
+Run a single test, include the line number:
+
+```sh
+bundle exec rspec spec/path/to/file.rb:123
+```
+
+Please ensure that all changes have been run by the Rubocop before creating a
+pull request:
+
+```sh
+bundle exec rubocop
+```
diff --git a/eml.gemspec b/eml.gemspec
new file mode 100644
index 0000000..6f324b1
--- /dev/null
+++ b/eml.gemspec
@@ -0,0 +1,31 @@
+# frozen_string_literal: true
+
+$LOAD_PATH.unshift(::File.join(::File.dirname(__FILE__), "lib"))
+
+require "eml/version"
+
+Gem::Specification.new do |s|
+  s.name = "eml"
+  s.version = EML::VERSION
+  s.required_ruby_version = ">= 2.6.0"
+  s.summary = "Ruby bindings for the EML API"
+  s.description = "Connect to the EML payments APIs and " \
+    "Transaction Notification Serices"
+  s.author = "Morning Coffee"
+  s.email = "developers@morningcoffee.com.au"
+  s.homepage = "https://github.com/MorningCoffeeDev/eml_ruby"
+  s.license = "MIT"
+
+  s.files = `git ls-files`.split("\n")
+  s.test_files = `git ls-files -- test/*`.split("\n")
+  s.require_paths = ["lib"]
+
+  s.add_dependency "http", "~> 4.0.0"
+
+  s.add_development_dependency "rspec", "~> 3.8"
+  s.add_development_dependency "rubocop", "~> 0.71"
+  s.add_development_dependency "rubocop-performance"
+  s.add_development_dependency "rubocop-rspec"
+  s.add_development_dependency "simplecov"
+  s.add_development_dependency "vcr"
+end
diff --git a/lib/eml.rb b/lib/eml.rb
new file mode 100644
index 0000000..af77360
--- /dev/null
+++ b/lib/eml.rb
@@ -0,0 +1,10 @@
+# frozen_string_literal: true
+
+require "http"
+
+require "eml/version"
+require "eml/api_operations"
+require "eml/uk"
+
+module EML
+end
diff --git a/lib/eml/api_operation/create.rb b/lib/eml/api_operation/create.rb
new file mode 100644
index 0000000..018ed5d
--- /dev/null
+++ b/lib/eml/api_operation/create.rb
@@ -0,0 +1,11 @@
+# frozen_string_literal: true
+
+module EML
+  module APIOperation
+    module Create
+      def create(params = {})
+        request(:post, resource_url, params)
+      end
+    end
+  end
+end
diff --git a/lib/eml/api_operation/list.rb b/lib/eml/api_operation/list.rb
new file mode 100644
index 0000000..ee6b745
--- /dev/null
+++ b/lib/eml/api_operation/list.rb
@@ -0,0 +1,11 @@
+# frozen_string_literal: true
+
+module EML
+  module APIOperation
+    module List
+      def list(filters = {})
+        request(:get, resource_url, filters)
+      end
+    end
+  end
+end
diff --git a/lib/eml/api_operation/request.rb b/lib/eml/api_operation/request.rb
new file mode 100644
index 0000000..d6da5d9
--- /dev/null
+++ b/lib/eml/api_operation/request.rb
@@ -0,0 +1,16 @@
+# frozen_string_literal: true
+
+module EML
+  module APIOperation
+    module Request
+      module ClassMethods
+        def request(method, url, params = {})
+        end
+      end
+
+      def self.included(base)
+        base.extend(ClassMethods)
+      end
+    end
+  end
+end
diff --git a/lib/eml/api_operations.rb b/lib/eml/api_operations.rb
new file mode 100644
index 0000000..2c89792
--- /dev/null
+++ b/lib/eml/api_operations.rb
@@ -0,0 +1,4 @@
+# frozen_string_literal: true
+
+require "eml/api_operation/create"
+require "eml/api_operation/request"
diff --git a/lib/eml/error.rb b/lib/eml/error.rb
new file mode 100644
index 0000000..d52189e
--- /dev/null
+++ b/lib/eml/error.rb
@@ -0,0 +1,14 @@
+# frozen_string_literal: true
+
+require "eml/error/rest"
+
+module EML
+  # Error is the base class for more specific EML errors
+  class Error
+    attr_reader :message
+
+    def initialize(message = nil)
+      @message = message
+    end
+  end
+end
diff --git a/lib/eml/error/rest/authentication.rb b/lib/eml/error/rest/authentication.rb
new file mode 100644
index 0000000..9daa27e
--- /dev/null
+++ b/lib/eml/error/rest/authentication.rb
@@ -0,0 +1,6 @@
+# frozen_string_literal: true
+
+module EML
+  class AuthenticationError < Error
+  end
+end
diff --git a/lib/eml/uk.rb b/lib/eml/uk.rb
new file mode 100644
index 0000000..a6c20c3
--- /dev/null
+++ b/lib/eml/uk.rb
@@ -0,0 +1,10 @@
+# frozen_string_literal: true
+
+require "eml/uk/api_resource"
+require "eml/uk/config"
+require "eml/uk/resources"
+
+module EML
+  module UK
+  end
+end
diff --git a/lib/eml/uk/api_resource.rb b/lib/eml/uk/api_resource.rb
new file mode 100644
index 0000000..e50e59e
--- /dev/null
+++ b/lib/eml/uk/api_resource.rb
@@ -0,0 +1,13 @@
+# frozen_string_literal: true
+
+module EML
+  class APIResource
+    def resource_url
+      if id.present?
+        "#{self::ENDPOINT_BASE}/#{id}"
+      else
+        self::ENDPOINT_BASE
+      end
+    end
+  end
+end
diff --git a/lib/eml/uk/config.rb b/lib/eml/uk/config.rb
new file mode 100644
index 0000000..f39623f
--- /dev/null
+++ b/lib/eml/uk/config.rb
@@ -0,0 +1,22 @@
+# frozen_string_literal: true
+
+module EML
+  module UK
+    class << self
+      def configure
+        yield config
+      end
+
+      def config
+        @config ||= Config.new
+      end
+    end
+
+    class Config
+      attr_accessor :username
+      attr_accessor :password
+      attr_accessor :merchant
+      attr_accessor :program
+    end
+  end
+end
diff --git a/lib/eml/uk/resources.rb b/lib/eml/uk/resources.rb
new file mode 100644
index 0000000..b6bcf01
--- /dev/null
+++ b/lib/eml/uk/resources.rb
@@ -0,0 +1,3 @@
+# frozen_string_literal: true
+
+require "eml/uk/resources/card"
diff --git a/lib/eml/version.rb b/lib/eml/version.rb
new file mode 100644
index 0000000..2a9dfd1
--- /dev/null
+++ b/lib/eml/version.rb
@@ -0,0 +1,5 @@
+# frozen_string_literal: true
+
+module EML
+  VERSION = "0.0.1"
+end
diff --git a/spec/spec_helper.rb b/spec/spec_helper.rb
new file mode 100644
index 0000000..f3b0162
--- /dev/null
+++ b/spec/spec_helper.rb
@@ -0,0 +1,118 @@
+# This file was generated by the `rspec --init` command. Conventionally, all
+# specs live under a `spec` directory, which RSpec adds to the `$LOAD_PATH`.
+# The generated `.rspec` file contains `--require spec_helper` which will cause
+# this file to always be loaded, without a need to explicitly require it in any
+# files.
+#
+# Given that it is always loaded, you are encouraged to keep this file as
+# light-weight as possible. Requiring heavyweight dependencies from this file
+# will add to the boot time of your test suite on EVERY test run, even for an
+# individual file that may not need all of that loaded. Instead, consider making
+# a separate helper file that requires the additional dependencies and performs
+# the additional setup, and require it from the spec files that actually need
+# it.
+#
+# See http://rubydoc.info/gems/rspec-core/RSpec/Core/Configuration
+
+require "simplecov"
+SimpleCov.start do
+  add_filter "/spec/"
+
+  add_group(
+    "API Operations", %w[lib/eml/api_operations.rb lib/eml/api_operation/]
+  )
+  add_group "UK", %w[lib/eml/uk.rb lib/eml/uk/]
+end
+
+require "eml"
+
+RSpec.configure do |config|
+  # rspec-expectations config goes here. You can use an alternate
+  # assertion/expectation library such as wrong or the stdlib/minitest
+  # assertions if you prefer.
+  config.expect_with :rspec do |expectations|
+    # This option will default to `true` in RSpec 4. It makes the `description`
+    # and `failure_message` of custom matchers include text for helper methods
+    # defined using `chain`, e.g.:
+    #     be_bigger_than(2).and_smaller_than(4).description
+    #     # => "be bigger than 2 and smaller than 4"
+    # ...rather than:
+    #     # => "be bigger than 2"
+    expectations.include_chain_clauses_in_custom_matcher_descriptions = true
+  end
+
+  # rspec-mocks config goes here. You can use an alternate test double
+  # library (such as bogus or mocha) by changing the `mock_with` option here.
+  config.mock_with :rspec do |mocks|
+    # Prevents you from mocking or stubbing a method that does not exist on
+    # a real object. This is generally recommended, and will default to
+    # `true` in RSpec 4.
+    mocks.verify_partial_doubles = true
+  end
+
+  # This option will default to `:apply_to_host_groups` in RSpec 4 (and will
+  # have no way to turn it off -- the option exists only for backwards
+  # compatibility in RSpec 3). It causes shared context metadata to be
+  # inherited by the metadata hash of host groups and examples, rather than
+  # triggering implicit auto-inclusion in groups with matching metadata.
+  config.shared_context_metadata_behavior = :apply_to_host_groups
+
+# The settings below are suggested to provide a good initial experience
+# with RSpec, but feel free to customize to your heart's content.
+=begin
+  # This allows you to limit a spec run to individual examples or groups
+  # you care about by tagging them with `:focus` metadata. When nothing
+  # is tagged with `:focus`, all examples get run. RSpec also provides
+  # aliases for `it`, `describe`, and `context` that include `:focus`
+  # metadata: `fit`, `fdescribe` and `fcontext`, respectively.
+  config.filter_run_when_matching :focus
+
+  # Allows RSpec to persist some state between runs in order to support
+  # the `--only-failures` and `--next-failure` CLI options. We recommend
+  # you configure your source control system to ignore this file.
+  config.example_status_persistence_file_path = "spec/examples.txt"
+
+  # Limits the available syntax to the non-monkey patched syntax that is
+  # recommended. For more details, see:
+  #   - http://rspec.info/blog/2012/06/rspecs-new-expectation-syntax/
+  #   - http://www.teaisaweso.me/blog/2013/05/27/rspecs-new-message-expectation-syntax/
+  #   - http://rspec.info/blog/2014/05/notable-changes-in-rspec-3/#zero-monkey-patching-mode
+  config.disable_monkey_patching!
+
+  # This setting enables warnings. It's recommended, but in some cases may
+  # be too noisy due to issues in dependencies.
+  config.warnings = true
+
+  # Many RSpec users commonly either run the entire suite or an individual
+  # file, and it's useful to allow more verbose output when running an
+  # individual spec file.
+  if config.files_to_run.one?
+    # Use the documentation formatter for detailed output,
+    # unless a formatter has already been configured
+    # (e.g. via a command-line flag).
+    config.default_formatter = "doc"
+  end
+
+  # Print the 10 slowest examples and example groups at the
+  # end of the spec run, to help surface which specs are running
+  # particularly slow.
+  config.profile_examples = 10
+
+  # Run specs in random order to surface order dependencies. If you find an
+  # order dependency and want to debug it, you can fix the order by providing
+  # the seed, which is printed after each run.
+  #     --seed 1234
+  config.order = :random
+
+  # Seed global randomization in this process using the `--seed` CLI option.
+  # Setting this allows you to use `--seed` to deterministically reproduce
+  # test failures related to randomization by passing the same `--seed` value
+  # as the one that triggered the failure.
+  Kernel.srand config.seed
+=end
+end
+
+require "vcr"
+VCR.configure do |c|
+  c.cassette_library_dir = "spec/vcr_cassettes"
+end
diff --git a/spec/vcr_cassettes/.keep b/spec/vcr_cassettes/.keep
new file mode 100644
index 0000000..e69de29