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I would also like to say that I found this while searching:

Plan Payment Module
http://www.zen-cart.com/forum/showthread.php?p=376917#post376917

Just in case someone else runs into this thread...

Thank you.

Does it need to be encrypted someway other than just having an SSL certificate for the site?

Also, is there not a way to modify some sort of "subscription" module to bill monthly...

If I want my customers payment submissions to just send me their CC #'s so that I can run them manual through my own terminal, is there a module for that? Can that module also take care of recurring...