diff --git a/composer.json b/composer.json
index 63bc3b70..7274d5d2 100644
--- a/composer.json
+++ b/composer.json
@@ -13,7 +13,8 @@
     "php": "^7.3",
     "guzzlehttp/guzzle": "^6.3",
     "ext-json": "^1.7",
-    "ext-reflection": "*"
+    "ext-reflection": "*",
+    "symfony/yaml": "^4.3"
   },
   "authors": [
     {
diff --git a/composer.lock b/composer.lock
index 062facba..e610009b 100644
--- a/composer.lock
+++ b/composer.lock
@@ -4,7 +4,7 @@
         "Read more about it at https://getcomposer.org/doc/01-basic-usage.md#installing-dependencies",
         "This file is @generated automatically"
     ],
-    "content-hash": "0efa77722be3ca1e98fddce9ad31564d",
+    "content-hash": "4d81feb158a59e0107dea94d5dc2a486",
     "packages": [
         {
             "name": "bitpay/key-utils",
@@ -323,6 +323,123 @@
             ],
             "description": "A polyfill for getallheaders.",
             "time": "2019-03-08T08:55:37+00:00"
+        },
+        {
+            "name": "symfony/polyfill-ctype",
+            "version": "v1.12.0",
+            "source": {
+                "type": "git",
+                "url": "https://github.com/symfony/polyfill-ctype.git",
+                "reference": "550ebaac289296ce228a706d0867afc34687e3f4"
+            },
+            "dist": {
+                "type": "zip",
+                "url": "https://api.github.com/repos/symfony/polyfill-ctype/zipball/550ebaac289296ce228a706d0867afc34687e3f4",
+                "reference": "550ebaac289296ce228a706d0867afc34687e3f4",
+                "shasum": ""
+            },
+            "require": {
+                "php": ">=5.3.3"
+            },
+            "suggest": {
+                "ext-ctype": "For best performance"
+            },
+            "type": "library",
+            "extra": {
+                "branch-alias": {
+                    "dev-master": "1.12-dev"
+                }
+            },
+            "autoload": {
+                "psr-4": {
+                    "Symfony\\Polyfill\\Ctype\\": ""
+                },
+                "files": [
+                    "bootstrap.php"
+                ]
+            },
+            "notification-url": "https://packagist.org/downloads/",
+            "license": [
+                "MIT"
+            ],
+            "authors": [
+                {
+                    "name": "Gert de Pagter",
+                    "email": "BackEndTea@gmail.com"
+                },
+                {
+                    "name": "Symfony Community",
+                    "homepage": "https://symfony.com/contributors"
+                }
+            ],
+            "description": "Symfony polyfill for ctype functions",
+            "homepage": "https://symfony.com",
+            "keywords": [
+                "compatibility",
+                "ctype",
+                "polyfill",
+                "portable"
+            ],
+            "time": "2019-08-06T08:03:45+00:00"
+        },
+        {
+            "name": "symfony/yaml",
+            "version": "v4.3.4",
+            "source": {
+                "type": "git",
+                "url": "https://github.com/symfony/yaml.git",
+                "reference": "5a0b7c32dc3ec56fd4abae8a4a71b0cf05013686"
+            },
+            "dist": {
+                "type": "zip",
+                "url": "https://api.github.com/repos/symfony/yaml/zipball/5a0b7c32dc3ec56fd4abae8a4a71b0cf05013686",
+                "reference": "5a0b7c32dc3ec56fd4abae8a4a71b0cf05013686",
+                "shasum": ""
+            },
+            "require": {
+                "php": "^7.1.3",
+                "symfony/polyfill-ctype": "~1.8"
+            },
+            "conflict": {
+                "symfony/console": "<3.4"
+            },
+            "require-dev": {
+                "symfony/console": "~3.4|~4.0"
+            },
+            "suggest": {
+                "symfony/console": "For validating YAML files using the lint command"
+            },
+            "type": "library",
+            "extra": {
+                "branch-alias": {
+                    "dev-master": "4.3-dev"
+                }
+            },
+            "autoload": {
+                "psr-4": {
+                    "Symfony\\Component\\Yaml\\": ""
+                },
+                "exclude-from-classmap": [
+                    "/Tests/"
+                ]
+            },
+            "notification-url": "https://packagist.org/downloads/",
+            "license": [
+                "MIT"
+            ],
+            "authors": [
+                {
+                    "name": "Fabien Potencier",
+                    "email": "fabien@symfony.com"
+                },
+                {
+                    "name": "Symfony Community",
+                    "homepage": "https://symfony.com/contributors"
+                }
+            ],
+            "description": "Symfony Yaml Component",
+            "homepage": "https://symfony.com",
+            "time": "2019-08-20T14:27:59+00:00"
         }
     ],
     "packages-dev": [
@@ -468,18 +585,18 @@
             "authors": [
                 {
                     "name": "Arne Blankerts",
-                    "role": "Developer",
-                    "email": "arne@blankerts.de"
+                    "email": "arne@blankerts.de",
+                    "role": "Developer"
                 },
                 {
                     "name": "Sebastian Heuer",
-                    "role": "Developer",
-                    "email": "sebastian@phpeople.de"
+                    "email": "sebastian@phpeople.de",
+                    "role": "Developer"
                 },
                 {
                     "name": "Sebastian Bergmann",
-                    "role": "Developer",
-                    "email": "sebastian@phpunit.de"
+                    "email": "sebastian@phpunit.de",
+                    "role": "Developer"
                 }
             ],
             "description": "Component for reading phar.io manifest information from a PHP Archive (PHAR)",
@@ -534,35 +651,33 @@
         },
         {
             "name": "phpdocumentor/reflection-common",
-            "version": "1.0.1",
+            "version": "2.0.0",
             "source": {
                 "type": "git",
                 "url": "https://github.com/phpDocumentor/ReflectionCommon.git",
-                "reference": "21bdeb5f65d7ebf9f43b1b25d404f87deab5bfb6"
+                "reference": "63a995caa1ca9e5590304cd845c15ad6d482a62a"
             },
             "dist": {
                 "type": "zip",
-                "url": "https://api.github.com/repos/phpDocumentor/ReflectionCommon/zipball/21bdeb5f65d7ebf9f43b1b25d404f87deab5bfb6",
-                "reference": "21bdeb5f65d7ebf9f43b1b25d404f87deab5bfb6",
+                "url": "https://api.github.com/repos/phpDocumentor/ReflectionCommon/zipball/63a995caa1ca9e5590304cd845c15ad6d482a62a",
+                "reference": "63a995caa1ca9e5590304cd845c15ad6d482a62a",
                 "shasum": ""
             },
             "require": {
-                "php": ">=5.5"
+                "php": ">=7.1"
             },
             "require-dev": {
-                "phpunit/phpunit": "^4.6"
+                "phpunit/phpunit": "~6"
             },
             "type": "library",
             "extra": {
                 "branch-alias": {
-                    "dev-master": "1.0.x-dev"
+                    "dev-master": "2.x-dev"
                 }
             },
             "autoload": {
                 "psr-4": {
-                    "phpDocumentor\\Reflection\\": [
-                        "src"
-                    ]
+                    "phpDocumentor\\Reflection\\": "src/"
                 }
             },
             "notification-url": "https://packagist.org/downloads/",
@@ -584,30 +699,30 @@
                 "reflection",
                 "static analysis"
             ],
-            "time": "2017-09-11T18:02:19+00:00"
+            "time": "2018-08-07T13:53:10+00:00"
         },
         {
             "name": "phpdocumentor/reflection-docblock",
-            "version": "4.3.1",
+            "version": "4.3.2",
             "source": {
                 "type": "git",
                 "url": "https://github.com/phpDocumentor/ReflectionDocBlock.git",
-                "reference": "bdd9f737ebc2a01c06ea7ff4308ec6697db9b53c"
+                "reference": "b83ff7cfcfee7827e1e78b637a5904fe6a96698e"
             },
             "dist": {
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-                "url": "https://api.github.com/repos/phpDocumentor/ReflectionDocBlock/zipball/bdd9f737ebc2a01c06ea7ff4308ec6697db9b53c",
-                "reference": "bdd9f737ebc2a01c06ea7ff4308ec6697db9b53c",
+                "url": "https://api.github.com/repos/phpDocumentor/ReflectionDocBlock/zipball/b83ff7cfcfee7827e1e78b637a5904fe6a96698e",
+                "reference": "b83ff7cfcfee7827e1e78b637a5904fe6a96698e",
                 "shasum": ""
             },
             "require": {
                 "php": "^7.0",
-                "phpdocumentor/reflection-common": "^1.0.0",
-                "phpdocumentor/type-resolver": "^0.4.0",
+                "phpdocumentor/reflection-common": "^1.0.0 || ^2.0.0",
+                "phpdocumentor/type-resolver": "~0.4 || ^1.0.0",
                 "webmozart/assert": "^1.0"
             },
             "require-dev": {
-                "doctrine/instantiator": "~1.0.5",
+                "doctrine/instantiator": "^1.0.5",
                 "mockery/mockery": "^1.0",
                 "phpunit/phpunit": "^6.4"
             },
@@ -635,41 +750,40 @@
                 }
             ],
             "description": "With this component, a library can provide support for annotations via DocBlocks or otherwise retrieve information that is embedded in a DocBlock.",
-            "time": "2019-04-30T17:48:53+00:00"
+            "time": "2019-09-12T14:27:41+00:00"
         },
         {
             "name": "phpdocumentor/type-resolver",
-            "version": "0.4.0",
+            "version": "1.0.1",
             "source": {
                 "type": "git",
                 "url": "https://github.com/phpDocumentor/TypeResolver.git",
-                "reference": "9c977708995954784726e25d0cd1dddf4e65b0f7"
+                "reference": "2e32a6d48972b2c1976ed5d8967145b6cec4a4a9"
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             "dist": {
                 "type": "zip",
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-                "reference": "9c977708995954784726e25d0cd1dddf4e65b0f7",
+                "url": "https://api.github.com/repos/phpDocumentor/TypeResolver/zipball/2e32a6d48972b2c1976ed5d8967145b6cec4a4a9",
+                "reference": "2e32a6d48972b2c1976ed5d8967145b6cec4a4a9",
                 "shasum": ""
             },
             "require": {
-                "php": "^5.5 || ^7.0",
-                "phpdocumentor/reflection-common": "^1.0"
+                "php": "^7.1",
+                "phpdocumentor/reflection-common": "^2.0"
             },
             "require-dev": {
-                "mockery/mockery": "^0.9.4",
-                "phpunit/phpunit": "^5.2||^4.8.24"
+                "ext-tokenizer": "^7.1",
+                "mockery/mockery": "~1",
+                "phpunit/phpunit": "^7.0"
             },
             "type": "library",
             "extra": {
                 "branch-alias": {
-                    "dev-master": "1.0.x-dev"
+                    "dev-master": "1.x-dev"
                 }
             },
             "autoload": {
                 "psr-4": {
-                    "phpDocumentor\\Reflection\\": [
-                        "src/"
-                    ]
+                    "phpDocumentor\\Reflection\\": "src"
                 }
             },
             "notification-url": "https://packagist.org/downloads/",
@@ -682,7 +796,8 @@
                     "email": "me@mikevanriel.com"
                 }
             ],
-            "time": "2017-07-14T14:27:02+00:00"
+            "description": "A PSR-5 based resolver of Class names, Types and Structural Element Names",
+            "time": "2019-08-22T18:11:29+00:00"
         },
         {
             "name": "phpspec/prophecy",
@@ -749,16 +864,16 @@
         },
         {
             "name": "phpunit/php-code-coverage",
-            "version": "7.0.7",
+            "version": "7.0.8",
             "source": {
                 "type": "git",
                 "url": "https://github.com/sebastianbergmann/php-code-coverage.git",
-                "reference": "7743bbcfff2a907e9ee4a25be13d0f8ec5e73800"
+                "reference": "aa0d179a13284c7420fc281fc32750e6cc7c9e2f"
             },
             "dist": {
                 "type": "zip",
-                "url": "https://api.github.com/repos/sebastianbergmann/php-code-coverage/zipball/7743bbcfff2a907e9ee4a25be13d0f8ec5e73800",
-                "reference": "7743bbcfff2a907e9ee4a25be13d0f8ec5e73800",
+                "url": "https://api.github.com/repos/sebastianbergmann/php-code-coverage/zipball/aa0d179a13284c7420fc281fc32750e6cc7c9e2f",
+                "reference": "aa0d179a13284c7420fc281fc32750e6cc7c9e2f",
                 "shasum": ""
             },
             "require": {
@@ -767,7 +882,7 @@
                 "php": "^7.2",
                 "phpunit/php-file-iterator": "^2.0.2",
                 "phpunit/php-text-template": "^1.2.1",
-                "phpunit/php-token-stream": "^3.1.0",
+                "phpunit/php-token-stream": "^3.1.1",
                 "sebastian/code-unit-reverse-lookup": "^1.0.1",
                 "sebastian/environment": "^4.2.2",
                 "sebastian/version": "^2.0.1",
@@ -808,7 +923,7 @@
                 "testing",
                 "xunit"
             ],
-            "time": "2019-07-25T05:31:54+00:00"
+            "time": "2019-09-17T06:24:36+00:00"
         },
         {
             "name": "phpunit/php-file-iterator",
@@ -952,16 +1067,16 @@
         },
         {
             "name": "phpunit/php-token-stream",
-            "version": "3.1.0",
+            "version": "3.1.1",
             "source": {
                 "type": "git",
                 "url": "https://github.com/sebastianbergmann/php-token-stream.git",
-                "reference": "e899757bb3df5ff6e95089132f32cd59aac2220a"
+                "reference": "995192df77f63a59e47f025390d2d1fdf8f425ff"
             },
             "dist": {
                 "type": "zip",
-                "url": "https://api.github.com/repos/sebastianbergmann/php-token-stream/zipball/e899757bb3df5ff6e95089132f32cd59aac2220a",
-                "reference": "e899757bb3df5ff6e95089132f32cd59aac2220a",
+                "url": "https://api.github.com/repos/sebastianbergmann/php-token-stream/zipball/995192df77f63a59e47f025390d2d1fdf8f425ff",
+                "reference": "995192df77f63a59e47f025390d2d1fdf8f425ff",
                 "shasum": ""
             },
             "require": {
@@ -997,20 +1112,20 @@
             "keywords": [
                 "tokenizer"
             ],
-            "time": "2019-07-25T05:29:42+00:00"
+            "time": "2019-09-17T06:23:10+00:00"
         },
         {
             "name": "phpunit/phpunit",
-            "version": "8.3.4",
+            "version": "8.3.5",
             "source": {
                 "type": "git",
                 "url": "https://github.com/sebastianbergmann/phpunit.git",
-                "reference": "e31cce0cf4499c0ccdbbb211a3280d36ab341e36"
+                "reference": "302faed7059fde575cf3403a78c730c5e3a62750"
             },
             "dist": {
                 "type": "zip",
-                "url": "https://api.github.com/repos/sebastianbergmann/phpunit/zipball/e31cce0cf4499c0ccdbbb211a3280d36ab341e36",
-                "reference": "e31cce0cf4499c0ccdbbb211a3280d36ab341e36",
+                "url": "https://api.github.com/repos/sebastianbergmann/phpunit/zipball/302faed7059fde575cf3403a78c730c5e3a62750",
+                "reference": "302faed7059fde575cf3403a78c730c5e3a62750",
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             "require": {
@@ -1033,7 +1148,7 @@
                 "sebastian/comparator": "^3.0.2",
                 "sebastian/diff": "^3.0.2",
                 "sebastian/environment": "^4.2.2",
-                "sebastian/exporter": "^3.1.0",
+                "sebastian/exporter": "^3.1.1",
                 "sebastian/global-state": "^3.0.0",
                 "sebastian/object-enumerator": "^3.0.3",
                 "sebastian/resource-operations": "^2.0.1",
@@ -1080,7 +1195,7 @@
                 "testing",
                 "xunit"
             ],
-            "time": "2019-08-11T06:56:55+00:00"
+            "time": "2019-09-14T09:12:03+00:00"
         },
         {
             "name": "sebastian/code-unit-reverse-lookup",
@@ -1302,16 +1417,16 @@
         },
         {
             "name": "sebastian/exporter",
-            "version": "3.1.1",
+            "version": "3.1.2",
             "source": {
                 "type": "git",
                 "url": "https://github.com/sebastianbergmann/exporter.git",
-                "reference": "06a9a5947f47b3029d76118eb5c22802e5869687"
+                "reference": "68609e1261d215ea5b21b7987539cbfbe156ec3e"
             },
             "dist": {
                 "type": "zip",
-                "url": "https://api.github.com/repos/sebastianbergmann/exporter/zipball/06a9a5947f47b3029d76118eb5c22802e5869687",
-                "reference": "06a9a5947f47b3029d76118eb5c22802e5869687",
+                "url": "https://api.github.com/repos/sebastianbergmann/exporter/zipball/68609e1261d215ea5b21b7987539cbfbe156ec3e",
+                "reference": "68609e1261d215ea5b21b7987539cbfbe156ec3e",
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             },
             "require": {
@@ -1365,7 +1480,7 @@
                 "export",
                 "exporter"
             ],
-            "time": "2019-08-11T12:43:14+00:00"
+            "time": "2019-09-14T09:02:43+00:00"
         },
         {
             "name": "sebastian/global-state",
@@ -1697,64 +1812,6 @@
             "homepage": "https://github.com/sebastianbergmann/version",
             "time": "2016-10-03T07:35:21+00:00"
         },
-        {
-            "name": "symfony/polyfill-ctype",
-            "version": "v1.12.0",
-            "source": {
-                "type": "git",
-                "url": "https://github.com/symfony/polyfill-ctype.git",
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-                "shasum": ""
-            },
-            "require": {
-                "php": ">=5.3.3"
-            },
-            "suggest": {
-                "ext-ctype": "For best performance"
-            },
-            "type": "library",
-            "extra": {
-                "branch-alias": {
-                    "dev-master": "1.12-dev"
-                }
-            },
-            "autoload": {
-                "psr-4": {
-                    "Symfony\\Polyfill\\Ctype\\": ""
-                },
-                "files": [
-                    "bootstrap.php"
-                ]
-            },
-            "notification-url": "https://packagist.org/downloads/",
-            "license": [
-                "MIT"
-            ],
-            "authors": [
-                {
-                    "name": "Gert de Pagter",
-                    "email": "BackEndTea@gmail.com"
-                },
-                {
-                    "name": "Symfony Community",
-                    "homepage": "https://symfony.com/contributors"
-                }
-            ],
-            "description": "Symfony polyfill for ctype functions",
-            "homepage": "https://symfony.com",
-            "keywords": [
-                "compatibility",
-                "ctype",
-                "polyfill",
-                "portable"
-            ],
-            "time": "2019-08-06T08:03:45+00:00"
-        },
         {
             "name": "theseer/tokenizer",
             "version": "1.1.3",
@@ -1788,8 +1845,8 @@
             "authors": [
                 {
                     "name": "Arne Blankerts",
-                    "role": "Developer",
-                    "email": "arne@blankerts.de"
+                    "email": "arne@blankerts.de",
+                    "role": "Developer"
                 }
             ],
             "description": "A small library for converting tokenized PHP source code into XML and potentially other formats",
@@ -1853,7 +1910,8 @@
     "prefer-lowest": false,
     "platform": {
         "php": "^7.3",
-        "ext-json": "^1.7"
+        "ext-json": "^1.7",
+        "ext-reflection": "*"
     },
     "platform-dev": []
 }
diff --git a/examples/BitPay.config.json b/examples/BitPay.config.json
new file mode 100644
index 00000000..f04ec579
--- /dev/null
+++ b/examples/BitPay.config.json
@@ -0,0 +1,15 @@
+{
+  "BitPayConfiguration": {
+    "Environment": "",
+    "EnvConfig": {
+      "Test": {
+        "PrivateKeyPath": "",
+        "PrivateKeySecret": "",
+        "ApiTokens": {
+          "merchant": "",
+          "payroll": ""
+        }
+      }
+    }
+  }
+}
\ No newline at end of file
diff --git a/examples/BitPay.config.yml b/examples/BitPay.config.yml
new file mode 100644
index 00000000..bf5b80cd
--- /dev/null
+++ b/examples/BitPay.config.yml
@@ -0,0 +1,14 @@
+BitPayConfiguration:
+  Environment: null
+  EnvConfig:
+    Test:
+      PrivateKeyPath: null
+      PrivateKeySecret: null
+      ApiTokens:
+        merchant: null
+        payroll: null
+    Prod:
+      PrivateKeyPath: null
+      ApiTokens:
+        merchant: null
+        payroll: null
diff --git a/examples/bitpay_private_test.key b/examples/bitpay_private_test.key
new file mode 100644
index 00000000..0596a7a1
--- /dev/null
+++ b/examples/bitpay_private_test.key
@@ -0,0 +1 @@
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
\ No newline at end of file
diff --git a/src/BitPay/Client.php b/src/BitPay/Client.php
index a51613e6..ce2a5220 100644
--- a/src/BitPay/Client.php
+++ b/src/BitPay/Client.php
@@ -4,12 +4,14 @@
 namespace Bitpay;
 
 
+use BitPay\Exceptions\BillCreationException;
 use BitPay\Exceptions\BitPayException;
 use BitPay\Exceptions\InvoiceCreationException;
 use BitPay\Exceptions\InvoiceQueryException;
 use BitPay\Exceptions\PayoutCancellationException;
 use BitPay\Exceptions\PayoutCreationException;
 use BitPay\Exceptions\PayoutQueryException;
+use Bitpay\Model\Bill\Bill;
 use Bitpay\Model\Facade;
 use Bitpay\Model\Invoice\Invoice;
 use Bitpay\Model\Payout\PayoutBatch;
@@ -19,6 +21,7 @@
 use BitPayKeyUtils\Util\Util;
 use GuzzleHttp;
 use GuzzleHttp\RequestOptions;
+use Symfony\Component\Yaml\Yaml;
 
 /**
  * Class Client
@@ -84,6 +87,27 @@ public function withData($environment, $privateKeyPath, Tokens $tokens, $private
         }
     }
 
+    /**
+     * Constructor for use if the keys and SIN are managed by this library.
+     *
+     * @param $configFilePath  String The path to the configuration file.
+     * @return Client
+     * @throws BitPayException BitPayException class
+     */
+    public function withFile($configFilePath)
+    {
+        try {
+            $this->_configFilePath = $configFilePath;
+            $this->GetConfig();
+            $this->initKeys();
+            $this->init();
+
+            return $this;
+        } catch (\Exception $e) {
+            throw new BitPayException("failed to initialize BitPay Client (Config) : ".$e->getMessage());
+        }
+    }
+
     /**
      * Create a BitPay invoice.
      *
@@ -204,6 +228,41 @@ public function getInvoices(string $dateStart, string $dateEnd): array
         return $invoices;
     }
 
+    /**
+     * Create a BitPay Bill.
+     *
+     * @param $bill        string A Bill object with request parameters defined.
+     * @param $facade      string The facade used to create it.
+     * @param $signRequest bool Signed request.
+     * @return Bill A BitPay generated Bill object.
+     * @throws BitPayException BitPayException class
+     */
+    public function createBill(Bill $bill, string $facade, bool $signRequest): Bill {
+        try {
+            $bill->setToken($this->_tokenCache->getTokenByFacade($facade));
+
+            $response = $this->post("bills", $bill->toArray(), $signRequest);
+
+            $jsonString = $this->responseToJsonString($response);
+        } catch (\Exception $e) {
+            throw new BillCreationException("failed to serialize Bill object : ".$e->getMessage());
+        }
+
+        try {
+            $mapper = new JsonMapper();
+            $bill = $mapper->map(
+                json_decode($jsonString),
+                new Bill()
+            );
+
+        } catch (\Exception $e) {
+            throw new BillCreationException(
+                "failed to deserialize BitPay server response (Bill) : ".$e->getMessage());
+        }
+
+        return $bill;
+    }
+
     /**
      * Submit a BitPay Payout batch.
      *
@@ -384,6 +443,44 @@ private function BuildConfig($privateKeyPath, $tokens, $privateKeySecret = null)
         }
     }
 
+    /**
+     * Loads the configuration file (JSON)
+     *
+     * @throws BitPayException BitPayException class
+     */
+    public function GetConfig()
+    {
+        try {
+            $this->_configuration = new Config();
+            if (!file_exists($this->_configFilePath)) {
+                throw new BitPayException("Configuration file not found");
+            }
+            $configData = json_decode(file_get_contents($this->_configFilePath), true);
+
+            if (!$configData) {
+                $configData = Yaml::parseFile($this->_configFilePath);
+            }
+            $this->_configuration->setEnvironment($configData["BitPayConfiguration"]["Environment"]);
+            $this->_env = $this->_configuration->getEnvironment();
+
+
+            $tokens = new Tokens();
+            $tokens->loadFromArray($configData["BitPayConfiguration"]["EnvConfig"][$this->_env]["ApiTokens"]);
+            $privateKeyPath = $configData["BitPayConfiguration"]["EnvConfig"][$this->_env]["PrivateKeyPath"];
+            $privateKeySecret = $configData["BitPayConfiguration"]["EnvConfig"][$this->_env]["PrivateKeySecret"];
+
+            $envConfig[$this->_env] = [
+                "PrivateKeyPath"   => $privateKeyPath,
+                "PrivateKeySecret" => $privateKeySecret,
+                "ApiTokens"        => $tokens,
+            ];
+
+            $this->_configuration->setEnvConfig($envConfig);
+        } catch (\Exception $e) {
+            throw new BitPayException("failed to initialize BitPay Client (Config) : ".$e->getMessage());
+        }
+    }
+
     /**
      * Initialize the public/private key pair by either loading the existing one or by creating a new one.
      *
@@ -460,48 +557,6 @@ private function clearAccessTokenCache()
         $this->_tokenCache = new Tokens();
     }
 
-    /**
-     * Constructor for use if the keys and SIN are managed by this library.
-     *
-     * @param $configFilePath  String The path to the configuration file.
-     * @return Client
-     * @throws BitPayException BitPayException class
-     */
-    public function withFile($configFilePath)
-    {
-        try {
-            $this->_configFilePath = $configFilePath;
-            $this->GetConfig();
-            $this->initKeys();
-            $this->init();
-
-            return $this;
-        } catch (\Exception $e) {
-            throw new BitPayException("failed to initialize BitPay Client (Config) : ".$e->getMessage());
-        }
-    }
-
-    /**
-     * Loads the configuration file (JSON)
-     *
-     * @throws BitPayException BitPayException class
-     */
-    public function GetConfig()
-    {
-        try {
-            $this->_configuration = new Config();
-            if (!file_exists($this->_configFilePath)) {
-                throw new BitPayException("Configuration file not found");
-            }
-            $jsonData = json_decode(file_get_contents($this->_configFilePath), true);
-            $this->_configuration->setEnvironment($jsonData["BitPayConfiguration"]["Environment"]);
-            $this->_env = $this->_configuration->getEnvironment();
-            $this->_configuration->setEnvConfig($jsonData["BitPayConfiguration"]["EnvConfig"][$this->_env]);
-        } catch (\Exception $e) {
-            throw new BitPayException("failed to initialize BitPay Client (Config) : ".$e->getMessage());
-        }
-    }
-
     public function post($uri, array $json = [], $signatureRequired = true)
     {
         try {
diff --git a/src/BitPay/Tokens.php b/src/BitPay/Tokens.php
index a4f791cc..7779bd48 100644
--- a/src/BitPay/Tokens.php
+++ b/src/BitPay/Tokens.php
@@ -32,6 +32,12 @@ public function __construct($merchant = null, $payroll = null)
         $this->payroll = $payroll;
     }
 
+    public function loadFromArray(array $tokens) {
+        foreach($tokens as $facade => $token){
+            $this->{$facade} = $token;
+        }
+    }
+
     /**
      * @param $facade
      * @return string
diff --git a/tests/BitPay/BitPayTest.php b/tests/BitPay/BitPayTest.php
index 4e3933cb..996dfbc7 100644
--- a/tests/BitPay/BitPayTest.php
+++ b/tests/BitPay/BitPayTest.php
@@ -12,6 +12,8 @@
 class BitPayTest extends TestCase
 {
     protected $client;
+    protected $client1;
+    protected $client2;
     protected $clientMock;
 
     protected function setUp(): void
@@ -19,7 +21,7 @@ protected function setUp(): void
         $this->clientMock = $this->createMock(Bitpay\Client::class);
         $this->clientMock->withData(
             Bitpay\Env::Test,
-            __DIR__."/../../bitpay_private_test.key",
+            __DIR__."/../../examples/bitpay_private_test.key",
             new Bitpay\Tokens(
                 "7UeQtMcsHamehE4gDZojUQbNRbSuSdggbH17sawtobGJ",
                 "5j48K7pUrX5k59DLhRVYkCupgw2CtoEt8DBFrHo2vW47"
@@ -29,13 +31,20 @@ protected function setUp(): void
 
         $this->client = Bitpay\Client::create()->withData(
             Bitpay\Env::Test,
-            __DIR__."/../../bitpay_private_test.key",
+            __DIR__."/../../examples/bitpay_private_test.key",
             new Bitpay\Tokens(
                 "7UeQtMcsHamehE4gDZojUQbNRbSuSdggbH17sawtobGJ",
                 "5j48K7pUrX5k59DLhRVYkCupgw2CtoEt8DBFrHo2vW47"
             ),
             "YourMasterPassword");
+
+        $this->client1 = Bitpay\Client::create()->withFile(__DIR__."/../../examples/BitPay.config.json");
+        $this->client2 = Bitpay\Client::create()->withFile(__DIR__."/../../examples/BitPay.config.yml");
+
+
         $this->assertNotNull($this->client);
+        $this->assertNotNull($this->client1);
+        $this->assertNotNull($this->client2);
     }
 
     public function testShouldGetInvoiceId()
@@ -95,6 +104,42 @@ public function testShouldGetInvoices() {
         $this->assertTrue(count($invoices) > 0);
     }
 
+    public function TestShouldCreateBillUSD() {
+        $items = [];
+        $item = new Bitpay\Model\Bill\Item();
+
+        $item->setPrice(30.0);
+        $item->setQuantity(9);
+        $item->setDescription("product-a");
+        array_push($items, $item);
+
+        $item->setPrice(14.0);
+        $item->setQuantity(16);
+        $item->setDescription("product-b");
+        array_push($items, $item);
+
+        $item->setPrice(3.90);
+        $item->setQuantity(42);
+        $item->setDescription("product-c");
+        array_push($items, $item);
+
+        $item->setPrice(6.99);
+        $item->setQuantity(12);
+        $item->setDescription("product-d");
+        array_push($items, $item);
+
+        $bill = new Bitpay\Model\Bill\Bill("7", Currency::USD, "agallardo@bitpay.com", $items);
+        $basicBill = null;
+        try {
+            $basicBill = $this->client->createBill($bill);
+        } catch (\Exception $e) {
+            $e->getTraceAsString();
+            self::fail($e->getMessage());
+        }
+
+        $this->assertNotNull($basicBill->getId());
+    }
+
     public function testShouldSubmitPayoutBatch() {
         $date = new \DateTime();
         $threeDaysFromNow = $date->modify('+3 day');