slightly cleaner ruby version check in util class.
version bump and get rid of rspec deprecation warnings.
suggest iso-8859-4 encoding with swedbank.
Fixed typo on Nordea paymnet response verification
Fixed typo on Sampo paymnet response verification
Added 'sampopank' as provider.
Upgrade version to 0.6.1
Update readme
support for swedbank with utf-8
small fix
lhv
swedbank utf-8
swedbank payment response
Add support for Krediidipank.

Also reformat README.
merge
Updated rspec to 2.14.1.
Added encoding UTF-8 to spec headers for ruby 1.9 support.
According to Swedbank specs VK_CHARSET property is called VK_ENCODING.
Fixed service parameter passing in Swedbank provider.
Added sender ID validation for payment response.