payment option customization

[ChandelierJewelry]

Is it possible to edit or add to the existing names of the payment options? At checkout, we have 3 payment options showing; 1) credit card, 2) installment plan, 3) pay by credit card. This is so confusing for the customer. There are 2 credit card payment options and they don't know which one to select.
Our first payment option 1) "credit card", is our offline processing. This is what we would like to change to "Custom Layaway" if possible. If we can't replace the name, can we at least add the words "Custom Layaway"? This would make it clear to our customer exactly what payment option they are selecting.

Thank you for your help!

*This is a brand new site - ChandelierJewelry.com



Zen Cart 1.3.8a
Database Patch Level: 1.3.8
v1.3.8 [2009-03-30 00:09:05] (Fresh Installation)
v1.3.8 [2009-03-30 00:09:05] (Fresh Installation)