Initializing the gocardless_pro client (2.9.0) with faraday 0.16.2 raised undefined method 'each' for nil:NilClass (NoMethodError) from faraday's options.rb during Faraday.new. It worked on faraday 0.15.4. The reporter later found it also worked on faraday 0.17.0 — the bug was in faraday 0.16.x itself, not the GoCardless version lock.