Hmm, that's strange. I just downloaded the latest release I posted in contribs and there's a README.txt in there...

Anyway, I've attached it again here.

Regarding gift certificates, I'm using a custom module for that right now and it works okay. You still have to always enter your credit card, even if the order total will be 0 and you won't be charged. That's certainly not the most friendly solution, but I wasn't sure how to handle the fact that taxes aren't calculated until the review screen so you don't actually know the total until then. Any ideas, let me know...

Chad