Code Improvment Suggestion

[Selahattinn]

in adapter/craftgate.go

func New(apiKey, apiSecret, baseURL string, opts ...ClientOption) (*Client, error) {
	client := newClient(apiKey, apiSecret)
	for _, option := range opts {
		if err := option(client); err != nil {
			return nil, err
		}
	}
	if client.httpClient == nil {
		client.httpClient = http.DefaultClient
		client.httpClient.Timeout = time.Minute * 120
	}
	if client.baseURL == nil {
		client.baseURL, _ = url.Parse(baseURL)
	}
	client.headers = make(map[string]string)
	return client, nil
}

func newClient(apiKey, secretKey string) *Client {
	client := &Client{apiKey: apiKey, secretKey: secretKey}

	client.Installment = &Installment{Client: client}
	client.Payment = &Payment{Client: client}
	client.Onboarding = &Onboarding{Client: client}
	client.PaymentReporting = &PaymentReporting{Client: client}
	client.PayByLink = &PayByLink{Client: client}
	client.Wallet = &Wallet{Client: client}
	client.Settlement = &Settlement{Client: client}
	client.SettlementReporting = &SettlementReporting{Client: client}
	client.FileReporting = &FileReporting{Client: client}
	client.Fraud = &Fraud{Client: client}
	client.Hook = &Hook{Client: client}

	return client
}

I do not think check for is nil needed