I am trying to disable the credit card option which appears on my checkout payment page. Have removed the option under Admin->Modules->Payment ... but still it shows on the checkout payment page. Have also set all the credit card values under Configuration to 0.

Mods installed are GoogleCheckout, Paypal Website Payments Pro, Paypal Express Checkout, direct bank deposit and cheque. Somehow something has gotten screwy Been searching for days but cannot find an answer.

This is one of my tpl_checkout_payment_default.php

Code:
<?php
/**
 * Page Template
 *
 * Loaded automatically by index.php?main_page=checkout_payment.<br />
 * Displays the allowed payment modules, for selection by customer.
 *
 * @package templateSystem - Cherry Zen
 * @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: tpl_checkout_payment_default.php 5414 2006-12-27 07:51:03Z drbyte $
 */
?>
<?php echo $payment_modules->javascript_validation(); ?>
<div class="centerColumn" id="checkoutPayment">
<?php echo zen_draw_form('checkout_payment', zen_href_link(FILENAME_CHECKOUT_CONFIRMATION, '', 'SSL'), 'post', ($flagOnSubmit ? 'onsubmit="return check_form();"' : '')); ?>

<h1 id="checkoutPaymentHeading"><?php echo HEADING_TITLE; ?></h1>

<?php if ($messageStack->size('redemptions') > 0) echo $messageStack->output('redemptions'); ?>
<?php if ($messageStack->size('checkout') > 0) echo $messageStack->output('checkout'); ?>
<?php if ($messageStack->size('checkout_payment') > 0) echo $messageStack->output('checkout_payment'); ?>

<?php
  if (DISPLAY_CONDITIONS_ON_CHECKOUT == 'true') {
?>
<fieldset>
<legend><?php echo TABLE_HEADING_CONDITIONS; ?></legend>
<div><?php echo TEXT_CONDITIONS_DESCRIPTION;?></div>
<?php echo  zen_draw_checkbox_field('conditions', '1', false, 'id="conditions"');?>
<label class="checkboxLabel" for="conditions"><?php echo TEXT_CONDITIONS_CONFIRM; ?></label>
</fieldset>
<?php
  }
?>

<?php // ** BEGIN PAYPAL EXPRESS CHECKOUT **
      if (!$payment_modules->in_special_checkout()) {
      // ** END PAYPAL EXPRESS CHECKOUT ** ?>
<h2 id="checkoutPaymentHeadingAddress"><?php echo TITLE_BILLING_ADDRESS; ?></h2>

<div id="checkoutBillto" class="floatingBox back">
<?php if (MAX_ADDRESS_BOOK_ENTRIES >= 2) { ?>
<div class="buttonRow forward"><?php echo '<a href="' . zen_href_link(FILENAME_CHECKOUT_PAYMENT_ADDRESS, '', 'SSL') . '">' . zen_image_button(BUTTON_IMAGE_CHANGE_ADDRESS, BUTTON_CHANGE_ADDRESS_ALT) . '</a>'; ?></div>
<?php } ?>
<address><?php echo zen_address_label($_SESSION['customer_id'], $_SESSION['billto'], true, ' ', '<br />'); ?></address>
</div>

<div class="floatingBox important forward"><?php echo TEXT_SELECTED_BILLING_DESTINATION; ?></div>
<br class="clearBoth" />
<?php // ** BEGIN PAYPAL EXPRESS CHECKOUT **
      }
      // ** END PAYPAL EXPRESS CHECKOUT ** ?>
      
<fieldset id="checkoutOrderTotals">
<legend id="checkoutPaymentHeadingTotal"><?php echo TEXT_YOUR_TOTAL; ?></legend>
<?php
  if (MODULE_ORDER_TOTAL_INSTALLED) {
    $order_totals = $order_total_modules->process();
?>
<?php $order_total_modules->output(); ?>
<?php
  }
?>
</fieldset>

<?php
  $selection =  $order_total_modules->credit_selection();
  if (sizeof($selection)>0) {
    for ($i=0, $n=sizeof($selection); $i<$n; $i++) {
      if ($_GET['credit_class_error_code'] == $selection[$i]['id']) {
?>
<div class="messageStackError"><?php echo zen_output_string_protected($_GET['credit_class_error']); ?></div>

<?php
      }
      for ($j=0, $n2=sizeof($selection[$i]['fields']); $j<$n2; $j++) {
?>
<fieldset>
<legend><?php echo $selection[$i]['module']; ?></legend>
<?php echo $selection[$i]['redeem_instructions']; ?>
<div class="gvBal larger"><?php echo $selection[$i]['checkbox']; ?></div>
<label class="inputLabel"<?php echo ($selection[$i]['fields'][$j]['tag']) ? ' for="'.$selection[$i]['fields'][$j]['tag'].'"': ''; ?>><?php echo $selection[$i]['fields'][$j]['title']; ?></label>
<?php echo $selection[$i]['fields'][$j]['field']; ?>
</fieldset>
<?php
      }
    }
?>

<?php
    }
?>

<?php // ** BEGIN PAYPAL EXPRESS CHECKOUT **
      if (!$payment_modules->in_special_checkout()) {
      // ** END PAYPAL EXPRESS CHECKOUT ** ?>
<fieldset>
<legend><?php echo TABLE_HEADING_PAYMENT_METHOD; ?></legend>

<?php
  if (SHOW_ACCEPTED_CREDIT_CARDS != '0') {
?>

<?php
    if (SHOW_ACCEPTED_CREDIT_CARDS == '1') {
      echo TEXT_ACCEPTED_CREDIT_CARDS . zen_get_cc_enabled();
	     }
    if (SHOW_ACCEPTED_CREDIT_CARDS == '2') {
      echo TEXT_ACCEPTED_CREDIT_CARDS . zen_get_cc_enabled('IMAGE_');
    }
?>
<br class="clearBoth" />
<?php } ?>

<?php
  foreach($payment_modules->modules as $pm_code => $pm) {
    if(substr($pm, 0, strrpos($pm, '.')) == 'googlecheckout') {
      unset($payment_modules->modules[$pm_code]);
    }
  }
  $selection = $payment_modules->selection();

  if (sizeof($selection) > 1) {
?>
<p class="important"><?php echo TEXT_SELECT_PAYMENT_METHOD; ?></p>
<?php
  } elseif (sizeof($selection) == 0) {
?>
<p class="important"><?php echo TEXT_NO_PAYMENT_OPTIONS_AVAILABLE; ?></p>

<?php
  }
?>

<?php
  $radio_buttons = 0;
  for ($i=0, $n=sizeof($selection); $i<$n; $i++) {
?>
<?php
    if (sizeof($selection) > 1) {
        if (empty($selection[$i]['noradio'])) {
 ?>
<?php echo zen_draw_radio_field('payment', $selection[$i]['id'], ($selection[$i]['id'] == $_SESSION['payment'] ? true : false), 'id="pmt-'.$selection[$i]['id'].'"'); ?>
<?php   } ?>
<?php
    } else {
    	
?>
<?php echo zen_draw_hidden_field('payment', $selection[$i]['id']); ?>
<?php
    }
?>
<label for="pmt-<?php echo $selection[$i]['id']; ?>" class="radioButtonLabel"><?php echo $selection[$i]['module']; ?></label>

<?php
    if (defined('MODULE_ORDER_TOTAL_COD_STATUS') && MODULE_ORDER_TOTAL_COD_STATUS == 'true' and $selection[$i]['id'] == 'cod') {
?>
<div class="alert"><?php echo TEXT_INFO_COD_FEES; ?></div>
<?php
    } else {
      // echo 'WRONG ' . $selection[$i]['id'];
?>
<?php
    }
?>
<br class="clearBoth" />

<?php
    if (isset($selection[$i]['error'])) {
?>
    <div><?php echo $selection[$i]['error']; ?></div>

<?php
    } elseif (isset($selection[$i]['fields']) && is_array($selection[$i]['fields'])) {
?>

<div class="ccinfo">
<?php
      for ($j=0, $n2=sizeof($selection[$i]['fields']); $j<$n2; $j++) {
?>
<label <?php echo (isset($selection[$i]['fields'][$j]['tag']) ? 'for="'.$selection[$i]['fields'][$j]['tag'] . '" ' : ''); ?>class="inputLabelPayment"><?php echo $selection[$i]['fields'][$j]['title']; ?></label><?php echo $selection[$i]['fields'][$j]['field']; ?>
<br class="clearBoth" />
<?php
      }
?>
</div>
<br class="clearBoth" />
<?php
    }
    $radio_buttons++;
?>
<br class="clearBoth" />
<?php
  }
?>

</fieldset>
<?php // ** BEGIN PAYPAL EXPRESS CHECKOUT **
      } else {
        ?><input type="hidden" name="payment" value="<?php echo $_SESSION['payment']; ?>" /><?php
      }
      // ** END PAYPAL EXPRESS CHECKOUT ** ?>
<fieldset>
<legend><?php echo TABLE_HEADING_COMMENTS; ?></legend>
<?php echo zen_draw_textarea_field('comments', '45', '3'); ?>
</fieldset>

<div class="buttonRow forward"><?php echo zen_image_submit(BUTTON_IMAGE_CONTINUE_CHECKOUT, BUTTON_CONTINUE_ALT, 'onclick="submitFunction('.zen_user_has_gv_account($_SESSION['customer_id']).','.$order->info['total'].')"'); ?></div>
<div class="buttonRow back"><?php echo TITLE_CONTINUE_CHECKOUT_PROCEDURE . '<br />' . TEXT_CONTINUE_CHECKOUT_PROCEDURE; ?></div>

</form>
</div>