Just updated the virtualmerchant payment gateway module.

Fixes:
1) NOVA appears to require the tax field even if it is just set to 0. So, that is what it is set at. The total amount sent to NOVA then includes product + tax + shipping cost. I hope this is okay with folks.

2) Address verification field was getting screwed up if people had both street address and an apartment number. To remedy this, just the first 20 characters are grabbed for this field, which is the maximum NOVA can accept on this field anyhow.

Please test and let me know how it works for you.