Scratch that. I found it.
In case anyone else years from now should stumble across this thread while searching for the same thing, hre is what I did.
First of all, take the file /public_html/store/includes/templates/template_default/templates/tpl_checkout_payment_default.php and make a copy of it in /public_html/store/includes/templates/YOURTEMPLATENAME/templates. Then edit the copy as folows .....
move the block of code
PHP Code:
<?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
}
?>
and move it down close to the bottom of the file right after
PHP Code:
<?php // ** BEGIN PAYPAL EXPRESS CHECKOUT **
} else {
?><input type="hidden" name="payment" value="<?php echo $_SESSION['payment']; ?>" /><?php
}
// ** END PAYPAL EXPRESS CHECKOUT ** ?>
and before
PHP Code:
<fieldset>
<legend><?php echo TABLE_HEADING_COMMENTS; ?></legend>
<?php echo zen_draw_textarea_field('comments', '45', '3'); ?>
</fieldset>
Should be easy from here to use somekind of javascript expand/colapase function to make it even more non-clutered. I will make a post about that when I get around to it.