diff --git a/lib/exceptions/forbidden.rb b/lib/exceptions/forbidden.rb
new file mode 100644
index 0000000..abd8976
--- /dev/null
+++ b/lib/exceptions/forbidden.rb
@@ -0,0 +1 @@
+class Forbidden < StandardError; end
diff --git a/lib/payment_service_factory.rb b/lib/payment_service_factory.rb
new file mode 100644
index 0000000..67fc519
--- /dev/null
+++ b/lib/payment_service_factory.rb
@@ -0,0 +1,11 @@
+require 'services/user_payment_service'
+require 'services/manager_payment_service'
+
+class PaymentServiceFactory
+  def self.for(entity)
+    case entity
+    when User then Services::UserPaymentService.new
+    when Manager then Services::ManagerPaymentService.new
+    end
+  end
+end
diff --git a/lib/services/manager_payment_service.rb b/lib/services/manager_payment_service.rb
new file mode 100644
index 0000000..e87bca9
--- /dev/null
+++ b/lib/services/manager_payment_service.rb
@@ -0,0 +1,7 @@
+module Services
+  class ManagerPaymentService
+    def pay(recepient, amount)
+      amount
+    end
+  end
+end
diff --git a/lib/services/user_payment_service.rb b/lib/services/user_payment_service.rb
new file mode 100644
index 0000000..89914e5
--- /dev/null
+++ b/lib/services/user_payment_service.rb
@@ -0,0 +1,7 @@
+module Services
+  class UserPaymentService
+    def pay(recepient, amount)
+      raise Forbidden, 'you have to be a manager to pay'
+    end
+  end
+end
diff --git a/spec/anything_spec.rb b/spec/anything_spec.rb
index a55d95e..26f0624 100644
--- a/spec/anything_spec.rb
+++ b/spec/anything_spec.rb
@@ -11,10 +11,10 @@
   let(:manager) { Manager.new('Boss') }
 
   it 'allows manager to perform payments' do
-    expect(described_class.for(manager).pay(user, 500)).not_to raise_error
+    expect { described_class.for(manager).pay(user, 500) }.not_to raise_error
   end
 
   it 'forbids user toperform payments' do
-    expect(described_class.for(user).pay(manager, 500)).to raise_error(Forbidden)
+    expect { described_class.for(user).pay(manager, 500) }.to raise_error(Forbidden)
   end
 end