Understand that and thank you.
now with this payment module the customer will have to have set-up at least one Payment Method before being able to prossed (so very much the same as client would if they shopped say with Amazon) to pay,
from within there customer account the same place they will manage their own Payment Methods all done via API call and with a registered-customer they shall be redirected to this page if no payment method is available to listed, and there payment processors customer account will be making at point of registration which was my may resion of asking at what point is a guest-customer converted as this would be the point that I would use a notifier to create their account outside of the checkout_payment page so this makes for a much quicker checkout flow whichever checkout is used (if OPC plugin users don't wish to have that as an option for there guest-checkout user's then I will be more than happy to redirect this customer type to the step checkout. (Also this checkout flow has been authorized by the Payment Processing company and is fully compliant and within all T&C and they have actual supplied help on the coding flow of this solution).
Oj -Simon



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