diff --git a/CHANGELOG.md b/CHANGELOG.md
index 3fe5af2e5..43d16f81f 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -6,6 +6,7 @@
   - Renamed `type` field to `paymentMethodType` on `PaymentMethod.Result`, `PaymentIntent.Result`, and `SetupIntent.Result` (result of `createPaymentMethod`, `retrieveSetupIntent`, `confirmSetupIntent`, `confirmPayment`, `collectBankAccountForPayment`, `collectBankAccountForSetup`, `verifyMicrodepositsForPayment`, and `verifyMicrodepositsForSetup`).
 - [#849](https://github.com/stripe/stripe-react-native/pull/849) BREAKING CHANGE: Renamed `placeholder` prop on `<CardField />` and `<CardForm />` to `placeholders`.
 - [#849](https://github.com/stripe/stripe-react-native/pull/849) Feat: Added customized styling options to `<CardForm />` on Android.
+- [#853](https://github.com/stripe/stripe-react-native/pull/853) Fix: resolve with useful error if attempting to use methods before initializing Stripe
 
 ## 0.7.0
 
diff --git a/android/src/main/java/com/reactnativestripesdk/StripeSdkModule.kt b/android/src/main/java/com/reactnativestripesdk/StripeSdkModule.kt
index 28f4fd47e..a0293ddc1 100644
--- a/android/src/main/java/com/reactnativestripesdk/StripeSdkModule.kt
+++ b/android/src/main/java/com/reactnativestripesdk/StripeSdkModule.kt
@@ -31,7 +31,7 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
   override fun getName(): String {
     return "StripeSdk"
   }
-  private lateinit var stripe: Stripe
+  private var stripe: Stripe? = null
 
   private lateinit var paymentLauncherFragment: PaymentLauncherFragment
 
@@ -50,14 +50,19 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
   private var initGooglePayPromise: Promise? = null
   private var presentGooglePayPromise: Promise? = null
 
+  private val MISSING_INIT_ERROR = createError(
+    "Failed",
+    "Stripe has not been initialized. Make sure you have initialized Stripe in your app with the StripeProvider component or the initStripe method."
+  )
+
   private val mActivityEventListener = object : BaseActivityEventListener() {
     override fun onActivityResult(activity: Activity, requestCode: Int, resultCode: Int, data: Intent?) {
-      if (::stripe.isInitialized) {
+      if (stripe != null) {
         paymentSheetFragment?.activity?.activityResultRegistry?.dispatchResult(requestCode, resultCode, data)
         googlePayFragment?.activity?.activityResultRegistry?.dispatchResult(requestCode, resultCode, data)
         try {
           val result = AddPaymentMethodActivityStarter.Result.fromIntent(data)
-          if (data?.getParcelableExtra<Parcelable>("extra_activity_result") != null) {
+          data?.getParcelableExtra<Parcelable>("extra_activity_result")?.let {
             onFpxPaymentMethodResult(result)
           }
         } catch (e: java.lang.Exception) {
@@ -214,7 +219,7 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
 
     PaymentConfiguration.init(reactApplicationContext, publishableKey, stripeAccountId)
 
-    paymentLauncherFragment = PaymentLauncherFragment(stripe, publishableKey, stripeAccountId)
+    paymentLauncherFragment = PaymentLauncherFragment(stripe!!, publishableKey, stripeAccountId)
     getCurrentActivityOrResolveWithError(promise)?.let {
       it.supportFragmentManager.beginTransaction()
         .add(paymentLauncherFragment, "payment_launcher_fragment")
@@ -236,6 +241,11 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
 
   @ReactMethod
   fun initPaymentSheet(params: ReadableMap, promise: Promise) {
+    if (stripe == null) {
+      promise.resolve(MISSING_INIT_ERROR)
+      return
+    }
+
     getCurrentActivityOrResolveWithError(promise)?.let { activity ->
       this.initPaymentSheetPromise = promise
 
@@ -251,14 +261,24 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
 
   @ReactMethod
   fun presentPaymentSheet(promise: Promise) {
-    this.presentPaymentSheetPromise = promise
-    paymentSheetFragment?.present()
+    paymentSheetFragment?.let {
+      this.presentPaymentSheetPromise = promise
+      it.present()
+    } ?: run {
+      promise.resolve(
+        createError("Failed", "Payment sheet has not been initialized."))
+    }
   }
 
   @ReactMethod
   fun confirmPaymentSheetPayment(promise: Promise) {
-    this.confirmPaymentSheetPaymentPromise = promise
-    paymentSheetFragment?.confirmPayment()
+    paymentSheetFragment?.let {
+      this.confirmPaymentSheetPaymentPromise = promise
+      it.confirmPayment()
+    } ?: run {
+      promise.resolve(
+        createError("Failed", "Payment sheet has not been initialized."))
+    }
   }
 
   private fun payWithFpx() {
@@ -310,7 +330,7 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
     val billingDetailsParams = mapToBillingDetails(getMapOrNull(paymentMethodData, "billingDetails"), cardAddress)
 
     val paymentMethodCreateParams = PaymentMethodCreateParams.create(cardParams, billingDetailsParams)
-    stripe.createPaymentMethod(
+    stripe?.createPaymentMethod(
       paymentMethodCreateParams,
       callback = object : ApiResultCallback<PaymentMethod> {
         override fun onError(e: Exception) {
@@ -321,7 +341,9 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
           val paymentMethodMap: WritableMap = mapFromPaymentMethod(result)
           promise.resolve(createResult("paymentMethod", paymentMethodMap))
         }
-      })
+      }) ?: run {
+      promise.resolve(MISSING_INIT_ERROR)
+    }
   }
 
   @ReactMethod
@@ -363,8 +385,12 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
     )
     CoroutineScope(Dispatchers.IO).launch {
       runCatching {
-        val token = stripe.createBankAccountToken(bankAccountParams, null, stripeAccountId)
-        promise.resolve(createResult("token", mapFromToken(token)))
+        stripe?.let {
+          val token = it.createBankAccountToken(bankAccountParams, null, stripeAccountId)
+          promise.resolve(createResult("token", mapFromToken(token)))
+        } ?: run {
+          promise.resolve(MISSING_INIT_ERROR)
+        }
       }.onFailure {
         promise.resolve(createError(CreateTokenErrorType.Failed.toString(), it.message))
       }
@@ -393,11 +419,15 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
 
     CoroutineScope(Dispatchers.IO).launch {
       try {
-        val token = stripe.createCardToken(
-          cardParams = cardParams,
-          stripeAccountId = stripeAccountId
-        )
-        promise.resolve(createResult("token", mapFromToken(token)))
+        stripe?.let {
+          val token = it.createCardToken(
+            cardParams = cardParams,
+            stripeAccountId = stripeAccountId
+          )
+          promise.resolve(createResult("token", mapFromToken(token)))
+        } ?: run {
+          promise.resolve(MISSING_INIT_ERROR)
+        }
       } catch (e: Exception) {
         promise.resolve(createError(CreateTokenErrorType.Failed.toString(), e.message))
       }
@@ -406,7 +436,7 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
 
   @ReactMethod
   fun createTokenForCVCUpdate(cvc: String, promise: Promise) {
-    stripe.createCvcUpdateToken(
+    stripe?.createCvcUpdateToken(
       cvc,
       callback = object : ApiResultCallback<Token> {
         override fun onSuccess(result: Token) {
@@ -420,7 +450,9 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
           promise.resolve(createError("Failed", e))
         }
       }
-    )
+    ) ?: run {
+      promise.resolve(MISSING_INIT_ERROR)
+    }
   }
 
   @ReactMethod
@@ -498,11 +530,15 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
   @ReactMethod
   fun retrievePaymentIntent(clientSecret: String, promise: Promise) {
     CoroutineScope(Dispatchers.IO).launch {
-      val paymentIntent = stripe.retrievePaymentIntentSynchronous(clientSecret)
-      paymentIntent?.let {
-        promise.resolve(createResult("paymentIntent", mapFromPaymentIntentResult(it)))
+      stripe?.let { stripe ->
+        val paymentIntent = stripe.retrievePaymentIntentSynchronous(clientSecret)
+        paymentIntent?.let {
+          promise.resolve(createResult("paymentIntent", mapFromPaymentIntentResult(it)))
+        } ?: run {
+          promise.resolve(createError(RetrievePaymentIntentErrorType.Unknown.toString(), "Failed to retrieve the PaymentIntent"))
+        }
       } ?: run {
-        promise.resolve(createError(RetrievePaymentIntentErrorType.Unknown.toString(), "Failed to retrieve the PaymentIntent"))
+        promise.resolve(MISSING_INIT_ERROR)
       }
     }
   }
@@ -510,11 +546,15 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
   @ReactMethod
   fun retrieveSetupIntent(clientSecret: String, promise: Promise) {
     CoroutineScope(Dispatchers.IO).launch {
-      val setupIntent = stripe.retrieveSetupIntentSynchronous(clientSecret)
-      setupIntent?.let {
-        promise.resolve(createResult("setupIntent", mapFromSetupIntentResult(it)))
+      stripe?.let { stripe ->
+        val setupIntent = stripe.retrieveSetupIntentSynchronous(clientSecret)
+        setupIntent?.let {
+          promise.resolve(createResult("setupIntent", mapFromSetupIntentResult(it)))
+        } ?: run {
+          promise.resolve(createError(RetrieveSetupIntentErrorType.Unknown.toString(), "Failed to retrieve the SetupIntent"))
+        }
       } ?: run {
-        promise.resolve(createError(RetrieveSetupIntentErrorType.Unknown.toString(), "Failed to retrieve the SetupIntent"))
+        promise.resolve(MISSING_INIT_ERROR)
       }
     }
   }
@@ -646,6 +686,10 @@ class StripeSdkModule(private val reactContext: ReactApplicationContext) : React
 
   @ReactMethod
   fun verifyMicrodeposits(isPaymentIntent: Boolean, clientSecret: String, params: ReadableMap, promise: Promise) {
+    val stripe = stripe ?: run {
+      promise.resolve(MISSING_INIT_ERROR)
+      return
+    }
     val amounts = params.getArray("amounts")
     val descriptorCode = params.getString("descriptorCode")
 
diff --git a/ios/StripeSdk.swift b/ios/StripeSdk.swift
index 7cc29c2f7..4e143d1ab 100644
--- a/ios/StripeSdk.swift
+++ b/ios/StripeSdk.swift
@@ -10,6 +10,8 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
     
     private var paymentSheet: PaymentSheet?
     private var paymentSheetFlowController: PaymentSheet.FlowController?
+    private var apiClient: STPAPIClient? = nil
+    private var paymentHandler: STPPaymentHandler? = nil
     
     var urlScheme: String? = nil
 
@@ -25,6 +27,8 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
     var shippingMethodUpdateHandler: ((PKPaymentRequestShippingMethodUpdate) -> Void)? = nil
     var shippingContactUpdateHandler: ((PKPaymentRequestShippingContactUpdate) -> Void)? = nil
     
+    static let MISSING_INIT_ERROR = Errors.createError(ErrorType.Failed, "Stripe publishableKey has not been set. Make sure you have initialized Stripe in your app with the StripeProvider component or the initStripe method.")
+    
     override func supportedEvents() -> [String]! {
         return ["onDidSetShippingMethod", "onDidSetShippingContact"]
     }
@@ -38,32 +42,41 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
         let publishableKey = params["publishableKey"] as! String
         let appInfo = params["appInfo"] as! NSDictionary
         let stripeAccountId = params["stripeAccountId"] as? String
-        let params3ds = params["threeDSecureParams"] as? NSDictionary
+        let threeDSParams = params["threeDSecureParams"] as? NSDictionary
         let urlScheme = params["urlScheme"] as? String
         let merchantIdentifier = params["merchantIdentifier"] as? String
         
-        if let params3ds = params3ds {
-            configure3dSecure(params3ds)
-        }
-        
         self.urlScheme = urlScheme
-        
-        STPAPIClient.shared.publishableKey = publishableKey
-        STPAPIClient.shared.stripeAccount = stripeAccountId
-        
+                
         let name = RCTConvert.nsString(appInfo["name"]) ?? ""
         let partnerId = RCTConvert.nsString(appInfo["partnerId"]) ?? ""
         let version = RCTConvert.nsString(appInfo["version"]) ?? ""
         let url = RCTConvert.nsString(appInfo["url"]) ?? ""
         
-        STPAPIClient.shared.appInfo = STPAppInfo(name: name, partnerId: partnerId, version: version, url: url)
         self.merchantIdentifier = merchantIdentifier
+
+        STPAPIClient.shared.publishableKey = publishableKey
+        STPAPIClient.shared.stripeAccount = stripeAccountId
+        STPAPIClient.shared.appInfo = STPAppInfo(name: name, partnerId: partnerId, version: version, url: url)
+        self.apiClient = STPAPIClient.shared
+        
+        self.paymentHandler = STPPaymentHandler.shared()
+        self.paymentHandler?.apiClient = self.apiClient!
+        if let it = threeDSParams {
+            self.paymentHandler?.threeDSCustomizationSettings.uiCustomization = Mappers.mapUICustomization(it)
+        }
+        
         resolve(NSNull())
     }
 
     @objc(initPaymentSheet:resolver:rejecter:)
     func initPaymentSheet(params: NSDictionary, resolver resolve: @escaping RCTPromiseResolveBlock,
                           rejecter reject: @escaping RCTPromiseRejectBlock) -> Void  {
+        guard apiClient != nil else {
+            resolve(StripeSdk.MISSING_INIT_ERROR)
+            return
+        }
+        
         var configuration = PaymentSheet.Configuration()
         self.paymentSheetFlowController = nil
         
@@ -249,13 +262,17 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
             return;
         }
         
-        STPAPIClient.shared.createToken(forCVCUpdate: cvc) { (token, error) in
-            if error != nil || token == nil {
-                resolve(Errors.createError(ErrorType.Failed, error?.localizedDescription ?? ""))
-            } else {
-                let tokenId = token?.tokenId
-                resolve(["tokenId": tokenId])
+        if let it = apiClient {
+            it.createToken(forCVCUpdate: cvc) { (token, error) in
+                if error != nil || token == nil {
+                    resolve(Errors.createError(ErrorType.Failed, error?.localizedDescription ?? ""))
+                } else {
+                    let tokenId = token?.tokenId
+                    resolve(["tokenId": tokenId])
+                }
             }
+        } else {
+            resolve(StripeSdk.MISSING_INIT_ERROR)
         }
     }
     
@@ -298,26 +315,29 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
             setupIntentParams.returnURL = Mappers.mapToReturnURL(urlScheme: urlScheme)
         }
         
-        let paymentHandler = STPPaymentHandler.shared()
-        paymentHandler.confirmSetupIntent(setupIntentParams, with: self) { status, setupIntent, error in
-            switch (status) {
-            case .failed:
-                resolve(Errors.createError(ErrorType.Failed, error))
-                break
-            case .canceled:
-                if let lastError = setupIntent?.lastSetupError {
-                    resolve(Errors.createError(ErrorType.Canceled, lastError))
-                } else {
-                    resolve(Errors.createError(ErrorType.Canceled, "The payment has been canceled"))
+        if let it = paymentHandler {
+            it.confirmSetupIntent(setupIntentParams, with: self) { status, setupIntent, error in
+                switch (status) {
+                case .failed:
+                    resolve(Errors.createError(ErrorType.Failed, error))
+                    break
+                case .canceled:
+                    if let lastError = setupIntent?.lastSetupError {
+                        resolve(Errors.createError(ErrorType.Canceled, lastError))
+                    } else {
+                        resolve(Errors.createError(ErrorType.Canceled, "The payment has been canceled"))
+                    }
+                    break
+                case .succeeded:
+                    let intent = Mappers.mapFromSetupIntent(setupIntent: setupIntent!)
+                    resolve(Mappers.createResult("setupIntent", intent))
+                @unknown default:
+                    resolve(Errors.createError(ErrorType.Unknown, error))
+                    break
                 }
-                break
-            case .succeeded:
-                let intent = Mappers.mapFromSetupIntent(setupIntent: setupIntent!)
-                resolve(Mappers.createResult("setupIntent", intent))
-            @unknown default:
-                resolve(Errors.createError(ErrorType.Unknown, error))
-                break
             }
+        } else {
+            resolve(StripeSdk.MISSING_INIT_ERROR)
         }
     }
     
@@ -516,13 +536,6 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
             reject(ErrorType.Failed, "Payment not completed", nil)
         }
     }
-
-    func configure3dSecure(_ params: NSDictionary) {
-        let threeDSCustomizationSettings = STPPaymentHandler.shared().threeDSCustomizationSettings
-        let uiCustomization = Mappers.mapUICustomization(params)
-        
-        threeDSCustomizationSettings.uiCustomization = uiCustomization
-    }
     
     @objc(createPaymentMethod:options:resolver:rejecter:)
     func createPaymentMethod(
@@ -551,20 +564,25 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
             return
         }
         
-        if let paymentMethodParams = paymentMethodParams {
-            STPAPIClient.shared.createPaymentMethod(with: paymentMethodParams) { paymentMethod, error in
+        guard let paymentMethodParams = paymentMethodParams else {
+            resolve(Errors.createError(ErrorType.Unknown, "Unhandled error occured"))
+            return
+        }
+                
+        if let it = apiClient {
+            it.createPaymentMethod(with: paymentMethodParams) { paymentMethod, error in
                 if let createError = error {
                     resolve(Errors.createError(ErrorType.Failed, createError.localizedDescription))
                     return
                 }
-                
+            
                 if let paymentMethod = paymentMethod {
                     let method = Mappers.mapFromPaymentMethod(paymentMethod)
                     resolve(Mappers.createResult("paymentMethod", method))
                 }
             }
         } else {
-            resolve(Errors.createError(ErrorType.Unknown, "Unhandled error occured"))
+            resolve(StripeSdk.MISSING_INIT_ERROR)
         }
     }
     
@@ -610,13 +628,16 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
         bankAccountParams.routingNumber = routingNumber
         bankAccountParams.accountHolderType = Mappers.mapToBankAccountHolderType(accountHolderType)
         
-        
-        STPAPIClient.shared.createToken(withBankAccount: bankAccountParams) { token, error in
-            if let token = token {
-                resolve(Mappers.createResult("token", Mappers.mapFromToken(token: token)))
-            } else {
-                resolve(Errors.createError(ErrorType.Failed, error as NSError?))
+        if let it = apiClient {
+            it.createToken(withBankAccount: bankAccountParams) { token, error in
+                if let token = token {
+                    resolve(Mappers.createResult("token", Mappers.mapFromToken(token: token)))
+                } else {
+                    resolve(Errors.createError(ErrorType.Failed, error as NSError?))
+                }
             }
+        } else {
+            resolve(StripeSdk.MISSING_INIT_ERROR)
         }
     }
     
@@ -640,12 +661,16 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
         cardSourceParams.name = params["name"] as? String
         cardSourceParams.currency = params["currency"] as? String
 
-        STPAPIClient.shared.createToken(withCard: cardSourceParams) { token, error in
-            if let token = token {
-                resolve(Mappers.createResult("token", Mappers.mapFromToken(token: token)))
-            } else {
-                resolve(Errors.createError(ErrorType.Failed, error as NSError?))
+        if let it = apiClient {
+            it.createToken(withCard: cardSourceParams) { token, error in
+                if let token = token {
+                    resolve(Mappers.createResult("token", Mappers.mapFromToken(token: token)))
+                } else {
+                    resolve(Errors.createError(ErrorType.Failed, error as NSError?))
+                }
             }
+        } else {
+            resolve(StripeSdk.MISSING_INIT_ERROR)
         }
     }
     
@@ -655,28 +680,31 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
         resolver resolve: @escaping RCTPromiseResolveBlock,
         rejecter reject: @escaping RCTPromiseRejectBlock
     ){
-        let paymentHandler = STPPaymentHandler.shared()
-        paymentHandler.handleNextAction(forPayment: paymentIntentClientSecret, with: self, returnURL: nil) { status, paymentIntent, handleActionError in
-            switch (status) {
-            case .failed:
-                resolve(Errors.createError(ErrorType.Failed, handleActionError))
-                break
-            case .canceled:
-                if let lastError = paymentIntent?.lastPaymentError {
-                    resolve(Errors.createError(ErrorType.Canceled, lastError))
-                } else {
-                    resolve(Errors.createError(ErrorType.Canceled, "The payment has been canceled"))
-                }
-                break
-            case .succeeded:
-                if let paymentIntent = paymentIntent {
-                    resolve(Mappers.createResult("paymentIntent", Mappers.mapFromPaymentIntent(paymentIntent: paymentIntent)))
+        if let it = paymentHandler {
+            it.handleNextAction(forPayment: paymentIntentClientSecret, with: self, returnURL: nil) { status, paymentIntent, handleActionError in
+                switch (status) {
+                case .failed:
+                    resolve(Errors.createError(ErrorType.Failed, handleActionError))
+                    break
+                case .canceled:
+                    if let lastError = paymentIntent?.lastPaymentError {
+                        resolve(Errors.createError(ErrorType.Canceled, lastError))
+                    } else {
+                        resolve(Errors.createError(ErrorType.Canceled, "The payment has been canceled"))
+                    }
+                    break
+                case .succeeded:
+                    if let paymentIntent = paymentIntent {
+                        resolve(Mappers.createResult("paymentIntent", Mappers.mapFromPaymentIntent(paymentIntent: paymentIntent)))
+                    }
+                    break
+                @unknown default:
+                    resolve(Errors.createError(ErrorType.Unknown, "Cannot complete payment"))
+                    break
                 }
-                break
-            @unknown default:
-                resolve(Errors.createError(ErrorType.Unknown, "Cannot complete payment"))
-                break
             }
+        } else {
+            resolve(StripeSdk.MISSING_INIT_ERROR)
         }
     }
     
@@ -792,7 +820,11 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
         if (error != nil) {
             resolve(error)
         } else {
-            STPPaymentHandler.shared().confirmPayment(paymentIntentParams, with: self, completion: onCompleteConfirmPayment)
+            if let it = paymentHandler {
+                it.confirmPayment(paymentIntentParams, with: self, completion: onCompleteConfirmPayment)
+            } else {
+                resolve(StripeSdk.MISSING_INIT_ERROR)
+            }
         }
     }
     
@@ -846,22 +878,25 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
         resolver resolve: @escaping RCTPromiseResolveBlock,
         rejecter reject: @escaping RCTPromiseRejectBlock
     ) -> Void {
-        STPAPIClient.shared.retrievePaymentIntent(withClientSecret: clientSecret) { (paymentIntent, error) in
-            guard error == nil else {
-                if let lastPaymentError = paymentIntent?.lastPaymentError {
-                    resolve(Errors.createError(ErrorType.Unknown, lastPaymentError))
+        if let it = apiClient {
+            it.retrievePaymentIntent(withClientSecret: clientSecret) { (paymentIntent, error) in
+                guard error == nil else {
+                    if let lastPaymentError = paymentIntent?.lastPaymentError {
+                        resolve(Errors.createError(ErrorType.Unknown, lastPaymentError))
+                    } else {
+                        resolve(Errors.createError(ErrorType.Unknown, error?.localizedDescription))
+                    }
+                    return
+                }
+                
+                if let paymentIntent = paymentIntent {
+                    resolve(Mappers.createResult("paymentIntent", Mappers.mapFromPaymentIntent(paymentIntent: paymentIntent)))
                 } else {
-                    resolve(Errors.createError(ErrorType.Unknown, error?.localizedDescription))
+                    resolve(Errors.createError(ErrorType.Unknown, "Failed to retrieve the PaymentIntent"))
                 }
-               
-                return
-            }
-            
-            if let paymentIntent = paymentIntent {
-                resolve(Mappers.createResult("paymentIntent", Mappers.mapFromPaymentIntent(paymentIntent: paymentIntent)))
-            } else {
-                resolve(Errors.createError(ErrorType.Unknown, "Failed to retrieve the PaymentIntent"))
             }
+        } else {
+            resolve(StripeSdk.MISSING_INIT_ERROR)
         }
     }
     
@@ -871,22 +906,25 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
         resolver resolve: @escaping RCTPromiseResolveBlock,
         rejecter reject: @escaping RCTPromiseRejectBlock
     ) -> Void {
-        STPAPIClient.shared.retrieveSetupIntent(withClientSecret: clientSecret) { (setupIntent, error) in
-            guard error == nil else {
-                if let lastSetupError = setupIntent?.lastSetupError {
-                    resolve(Errors.createError(ErrorType.Unknown, lastSetupError))
+        if let it = apiClient {
+            it.retrieveSetupIntent(withClientSecret: clientSecret) { (setupIntent, error) in
+                guard error == nil else {
+                    if let lastSetupError = setupIntent?.lastSetupError {
+                        resolve(Errors.createError(ErrorType.Unknown, lastSetupError))
+                    } else {
+                        resolve(Errors.createError(ErrorType.Unknown, error?.localizedDescription))
+                    }
+                    return
+                }
+                
+                if let setupIntent = setupIntent {
+                    resolve(Mappers.createResult("setupIntent", Mappers.mapFromSetupIntent(setupIntent: setupIntent)))
                 } else {
-                    resolve(Errors.createError(ErrorType.Unknown, error?.localizedDescription))
+                    resolve(Errors.createError(ErrorType.Unknown, "Failed to retrieve the SetupIntent"))
                 }
-               
-                return
-            }
-            
-            if let setupIntent = setupIntent {
-                resolve(Mappers.createResult("setupIntent", Mappers.mapFromSetupIntent(setupIntent: setupIntent)))
-            } else {
-                resolve(Errors.createError(ErrorType.Unknown, "Failed to retrieve the SetupIntent"))
             }
+        } else {
+            resolve(StripeSdk.MISSING_INIT_ERROR)
         }
     }
     
@@ -898,6 +936,11 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
         resolver resolve: @escaping RCTPromiseResolveBlock,
         rejecter reject: @escaping RCTPromiseRejectBlock
     ) -> Void {
+        guard let apiClient = apiClient else {
+            resolve(StripeSdk.MISSING_INIT_ERROR)
+            return
+        }
+        
         let amounts = params["amounts"] as? NSArray
         let descriptorCode = params["descriptorCode"] as? String
         
@@ -912,14 +955,14 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
                 return
             }
             if (isPaymentIntent) {
-                STPAPIClient.shared.verifyPaymentIntentWithMicrodeposits(
+                apiClient.verifyPaymentIntentWithMicrodeposits(
                     clientSecret: clientSecret as String,
                     firstAmount: amounts[0] as! Int,
                     secondAmount: amounts[1] as! Int,
                     completion: onCompletePaymentVerification
                 )
             } else {
-                STPAPIClient.shared.verifySetupIntentWithMicrodeposits(
+                apiClient.verifySetupIntentWithMicrodeposits(
                     clientSecret: clientSecret as String,
                     firstAmount: amounts[0] as! Int,
                     secondAmount: amounts[1] as! Int,
@@ -928,13 +971,13 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
             }
         } else if let descriptorCode = descriptorCode {
             if (isPaymentIntent) {
-                STPAPIClient.shared.verifyPaymentIntentWithMicrodeposits(
+                apiClient.verifyPaymentIntentWithMicrodeposits(
                     clientSecret: clientSecret as String,
                     descriptorCode: descriptorCode,
                     completion: onCompletePaymentVerification
                 )
             } else {
-                STPAPIClient.shared.verifySetupIntentWithMicrodeposits(
+                apiClient.verifySetupIntentWithMicrodeposits(
                     clientSecret: clientSecret as String,
                     descriptorCode: descriptorCode,
                     completion: onCompleteSetupVerification
@@ -986,9 +1029,8 @@ class StripeSdk: RCTEventEmitter, STPApplePayContextDelegate, STPBankSelectionVi
         if let urlScheme = urlScheme {
             paymentIntentParams.returnURL = Mappers.mapToReturnURL(urlScheme: urlScheme)
         }
-        let paymentHandler = STPPaymentHandler.shared()
         bankViewController.dismiss(animated: true)
-        paymentHandler.confirmPayment(paymentIntentParams, with: self, completion: onCompleteConfirmPayment)
+        paymentHandler?.confirmPayment(paymentIntentParams, with: self, completion: onCompleteConfirmPayment)
     }
         
     func onCompleteConfirmPayment(status: STPPaymentHandlerActionStatus, paymentIntent: STPPaymentIntent?, error: NSError?) {