Remove lib/certs/cacerts.pem
Realex: Encode the AVS info for the shipping address just like the billing address
NoChex: Update the URL that payment requests are posted to.
Merge pull request #192 from caseywhalen/nochex

NoChex: Update the URL that payment requests are posted to.
QBMS: Ensure test mode can be forced when creating the gateway instance.
Fix QBMS new unit test that affected other tests.
Braintree: handle gateway_rejected transactions gracefully
Adding the WEB echeck_type to authorize.net CIM.
Packaging for release 1.18.0
Changed Protx to SagePay in the Readme
Realex: Only send letter and number characters in the shipping code field
Braintree: Allow setting merchant_account_id when initializing the gateway
Packaging for release 1.18.1
Dwolla: Fix fields being submitted

closes #202
Dwolla: Make sure @raw is set when parse is called
Merge pull request #199 from jamesalmond/patch-1

Changed Protx to SagePay in the Readme
Merge pull request #189 from vampirechicken/master

Updated service URL
Merge pull request #180 from castiglione/error-for-expired-year

Expired cards should have only one error on year.
Merge pull request #185 from kylekeesling/master

Added test URL for Elavon/MyVirtualMerchant Gateway
Require the version file relatively in the gemspec

Avoids double require of the version file.