diff --git a/README.md b/README.md
index fb77c55..b4accd8 100644
--- a/README.md
+++ b/README.md
@@ -631,6 +631,7 @@ There are:
 - [Core Api examples](example/simple/coreapi/sample.go)
 - [Snap examples](example/simple/snap/sample.go)
 - [Iris examples](example/simple/iris/sample.go)
+- [Readme Example](example/README.md)
 
 Integration test are available
 - [CoreApi Sample Functional Test](coreapi/client_test.go)
diff --git a/example/README.md b/example/README.md
new file mode 100644
index 0000000..60b0c50
--- /dev/null
+++ b/example/README.md
@@ -0,0 +1,11 @@
+# Sample App
+This is a very simple, very minimalist example to demonstrate integrating Midtrans with Go
+
+## Run The app
+1. Clone the repository, open terminal in this `/example/simple/coreapi-card-3ds` folder.
+2. Run the web server using: `go run main.go`
+3. The smple app will run at port 3000. Open `localhost:3000` from browser.
+
+## Run command line app
+1. Clone the repository, open terminal in this `/example/simple/coreapi` folder.
+2. Run the app using: `go run main.go`
diff --git a/example/simple/coreapi-card-3ds/main.go b/example/simple/coreapi-card-3ds/main.go
index 1451041..ab4484b 100644
--- a/example/simple/coreapi-card-3ds/main.go
+++ b/example/simple/coreapi-card-3ds/main.go
@@ -3,15 +3,16 @@
 package main
 
 import (
+    "encoding/json"
+    "fmt"
+    "github.com/midtrans/midtrans-go"
+    "github.com/midtrans/midtrans-go/coreapi"
     "html/template"
-    "net/http"
     "log"
+    "net/http"
     "path"
-    "time"
     "strconv"
-    "github.com/midtrans/midtrans-go"
-    "github.com/midtrans/midtrans-go/coreapi"
-    "encoding/json"
+    "time"
 )
 
 // Set Your server key
@@ -48,7 +49,7 @@ func HomeHandler(w http.ResponseWriter, r *http.Request) {
     }
 
     needCredential := false
-    if(len(SERVER_KEY) == 0 || len(CLIENT_KEY) == 0 ){
+    if len(SERVER_KEY) == 0 || len(CLIENT_KEY) == 0 {
         needCredential = true
     }
 
diff --git a/httpclient.go b/httpclient.go
index c88191d..219ac5f 100644
--- a/httpclient.go
+++ b/httpclient.go
@@ -97,66 +97,78 @@ func (c *HttpClientImplementation) DoRequest(req *http.Request, result interface
 	res, err := c.HttpClient.Do(req)
 	if err != nil {
 		c.Logger.Error("Cannot send request: %v", err.Error())
+		var statusCode int
+
+		if res != nil {
+			statusCode = res.StatusCode
+		} else if strings.Contains(err.Error(), "timeout") {
+			statusCode = 408
+		} else {
+			statusCode = 0
+		}
+
 		return &Error{
 			Message:    fmt.Sprintf("Error when request via HttpClient, Cannot send request with error: %s", err.Error()),
-			StatusCode: res.StatusCode,
+			StatusCode: statusCode,
 			RawError:   err,
 		}
 	}
 
-	defer res.Body.Close()
+	if res != nil {
+		defer res.Body.Close()
 
-	c.Logger.Info("================== END ==================")
-	c.Logger.Info("Request completed in %v ", time.Since(start))
+		c.Logger.Info("================== END ==================")
+		c.Logger.Info("Request completed in %v ", time.Since(start))
 
-	resBody, err := ioutil.ReadAll(res.Body)
-	if err != nil {
-		c.Logger.Error("Request failed: %v", err)
-		return &Error{
-			Message:    "Cannot read response body: " + err.Error(),
-			StatusCode: res.StatusCode,
+		resBody, err := ioutil.ReadAll(res.Body)
+		if err != nil {
+			c.Logger.Error("Request failed: %v", err)
+			return &Error{
+				Message:    "Cannot read response body: " + err.Error(),
+				StatusCode: res.StatusCode,
+				RawError: err,
+			}
 		}
-	}
 
-	rawResponse := newHTTPResponse(res, resBody)
-	c.Logger.Debug("=============== Response ===============")
-	// Loop through headers to perform log
-	logHttpHeaders(c.Logger, rawResponse.Header, false)
-	c.Logger.Debug("Response Body: %v", string(rawResponse.RawBody))
+		rawResponse := newHTTPResponse(res, resBody)
+		c.Logger.Debug("=============== Response ===============")
+		// Loop through headers to perform log
+		logHttpHeaders(c.Logger, rawResponse.Header, false)
+		c.Logger.Debug("Response Body: %v", string(rawResponse.RawBody))
+
+		if result != nil {
+			if err = json.Unmarshal(resBody, &result); err != nil {
+				return &Error{
+					Message:        fmt.Sprintf("Invalid body response, parse error during API request to Midtrans with message: %s", err.Error()),
+					StatusCode:     res.StatusCode,
+					RawError:       err,
+					RawApiResponse: rawResponse,
+				}
+			}
+		}
 
-	if result != nil {
-		if err = json.Unmarshal(resBody, &result); err != nil {
-			return &Error{
-				Message:        fmt.Sprintf("Invalid body response, parse error during API request to Midtrans with message: %s", err.Error()),
-				StatusCode:     res.StatusCode,
-				RawError:       err,
-				RawApiResponse: rawResponse,
+		// Check status_code from Midtrans response body
+		if found, data := HasOwnProperty("status_code", resBody); found {
+			statusCode, _ := strconv.Atoi(data["status_code"].(string))
+			if statusCode >= 401 && statusCode != 407 {
+				return &Error{
+					Message:        fmt.Sprintf("Midtrans API is returning API error. HTTP status code: %s API response: %s", strconv.Itoa(statusCode), string(resBody)),
+					StatusCode:     statusCode,
+					RawApiResponse: rawResponse,
+				}
 			}
 		}
-	}
 
-	// Check status_code from Midtrans response body
-	if found, data := HasOwnProperty("status_code", resBody); found {
-		statusCode, _ := strconv.Atoi(data["status_code"].(string))
-		if statusCode >= 401 && statusCode != 407 {
+		// Check StatusCode from Midtrans HTTP response api StatusCode
+		if res.StatusCode >= 400 {
 			return &Error{
-				Message:        fmt.Sprintf("Midtrans API is returning API error. HTTP status code: %s API response: %s", strconv.Itoa(statusCode), string(resBody)),
-				StatusCode:     statusCode,
+				Message:        fmt.Sprintf("Midtrans API is returning API error. HTTP status code: %s  API response: %s", strconv.Itoa(res.StatusCode), string(resBody)),
+				StatusCode:     res.StatusCode,
 				RawApiResponse: rawResponse,
+				RawError:       err,
 			}
 		}
 	}
-
-	// Check StatusCode from Midtrans HTTP response api StatusCode
-	if res.StatusCode >= 400 {
-		return &Error{
-			Message:        fmt.Sprintf("Midtrans API is returning API error. HTTP status code: %s  API response: %s", strconv.Itoa(res.StatusCode), string(resBody)),
-			StatusCode:     res.StatusCode,
-			RawApiResponse: rawResponse,
-			RawError:       err,
-		}
-	}
-
 	return nil
 }
 
diff --git a/iris/client_test.go b/iris/client_test.go
index 60d7238..f21502d 100644
--- a/iris/client_test.go
+++ b/iris/client_test.go
@@ -178,7 +178,38 @@ func TestGetListBeneficiaryBank(t *testing.T) {
 func TestValidateBankAccount(t *testing.T) {
 	iris := Client{}
 	iris.New(irisApproverKeySandbox, midtrans.Sandbox)
-	resp, err := iris.ValidateBankAccount("danamon", "000001137298")
+	resp, err := iris.ValidateBankAccount("mandiri", "1111222233333")
 	assert.Nil(t, err)
-	assert.Equal(t, resp.AccountNo, "000001137298")
+	assert.Equal(t, resp.AccountNo, "1111222233333")
+}
+
+func TestCreatePayoutFail(t *testing.T)  {
+	iris := Client{}
+	iris.New(irisCreatorKeySandbox, midtrans.Sandbox)
+
+	p1 := CreatePayoutDetailReq{
+		BeneficiaryAccount: "1380011819286",
+		BeneficiaryBank:    "mandiri",
+		BeneficiaryEmail:   "tony.stark@mail.com",
+		Amount:             random(),
+		Notes:              "MidGoUnitTest",
+	}
+
+	p2 := CreatePayoutDetailReq{
+		BeneficiaryAccount: "1380011819286",
+		BeneficiaryBank:    "mandiri",
+		BeneficiaryEmail:   "jon.snow@mail.com",
+		Amount:             random(),
+		Notes:              "MidGoUnitTest",
+	}
+	var payouts []CreatePayoutDetailReq
+	payouts = append(payouts, p1)
+	payouts = append(payouts, p2)
+
+
+	cp := CreatePayoutReq{Payouts: payouts}
+	payoutReps, err := iris.CreatePayout(cp)
+	assert.NotNil(t, payoutReps)
+	assert.NotNil(t, err)
+	assert.Equal(t, "An error occurred when creating payouts", payoutReps.ErrorMessage)
 }
diff --git a/iris/response.go b/iris/response.go
index e9329a1..fb54a22 100644
--- a/iris/response.go
+++ b/iris/response.go
@@ -29,7 +29,7 @@ type BeneficiaryBankResponse struct {
 type CreatePayoutResponse struct {
 	Payouts      []CreatePayoutDetailResponse `json:"payouts"`
 	ErrorMessage string                       `json:"error_message"`
-	Errors       []string                     `json:"errors"`
+	Errors       interface{}                  `json:"errors"`
 }
 
 // CreatePayoutDetailResponse : Represent Create payout detail response payload
diff --git a/midtrans.go b/midtrans.go
index 1d01a7e..b4a4705 100644
--- a/midtrans.go
+++ b/midtrans.go
@@ -20,7 +20,7 @@ const (
 	Production
 
 	//libraryVersion : midtrans go library version
-	libraryVersion = "v1.2.1"
+	libraryVersion = "v1.2.2"
 )
 
 //ServerKey is config payment API key for global use