I found it in /includes/languages/english/checkout_payment.php
Although I'm using version 1.3.9d if that matters.
Code:
<?php
/**
* @package languageDefines
* @copyright Copyright 2003-2006 Zen Cart Development Team
* @copyright Portions Copyright 2003 osCommerce
* @license http://www.zen-cart.com/license/2_0.txt GNU Public License V2.0
* @version $Id: checkout_payment.php 4087 2006-08-07 04:46:08Z drbyte $
*/
define('NAVBAR_TITLE_1', 'Checkout - Step 1');
define('NAVBAR_TITLE_2', 'Payment Method - Step 2');
define('HEADING_TITLE', 'Step 2 of 3 - Payment Information');
define('TABLE_HEADING_BILLING_ADDRESS', 'Billing Address');
define('TEXT_SELECTED_BILLING_DESTINATION', 'Your billing address is shown to the left. The billing address should match the address on your credit card statement. You can change the billing address by clicking the <em>Change Address</em> button.');
define('TITLE_BILLING_ADDRESS', 'Billing Address:');
define('TABLE_HEADING_PAYMENT_METHOD', 'Payment Method');
define('TEXT_SELECT_PAYMENT_METHOD', 'Please select a payment method for this order.');
define('TITLE_PLEASE_SELECT', 'Please Select');
define('TEXT_ENTER_PAYMENT_INFORMATION', '');
define('TABLE_HEADING_COMMENTS', 'Special Instructions or Order Comments');
define('TITLE_NO_PAYMENT_OPTIONS_AVAILABLE', 'Not Available At This Time');
define('TEXT_NO_PAYMENT_OPTIONS_AVAILABLE','<span class="alert">Sorry, we are not accepting payments from your region at this time.</span><br />Please contact us for alternate arrangements.');
define('TITLE_CONTINUE_CHECKOUT_PROCEDURE', '<strong>Continue to Step 3</strong>');
define('TEXT_CONTINUE_CHECKOUT_PROCEDURE', '- to confirm your order.');
define('TABLE_HEADING_CONDITIONS', '<span class="termsconditions">Terms and Conditions</span>');
define('TEXT_CONDITIONS_DESCRIPTION', '<span class="termsdescription">Please acknowledge the terms and conditions bound to this order by ticking the following box. The terms and conditions can be read <a href="' . zen_href_link(FILENAME_CONDITIONS, '', 'SSL') . '"><span class="pseudolink">here</span></a>.');
define('TEXT_CONDITIONS_CONFIRM', '<span class="termsiagree">I have read and agreed to the terms and conditions bound to this order.</span>');
define('TEXT_CHECKOUT_AMOUNT_DUE', 'Total Amount Due: ');
define('TEXT_YOUR_TOTAL','Your Total');
?>
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