Found out some stuff for you, sorry its taken so long.

E-Path set up a secured account for each merchant. Its not a case of one module does all. Your lady customer will need to shoot e-Path off an email with her e-Path ID and they will do up a Zen Cart module for her free.

They tell me they are communicating with Zen Cart admins directly about the possibility of setting up their systems to allow for exclusive zen cart users. That way each merchant would still have a secured account and one module would do all - just for zenners. They are a little too keen to see e-Path as a manual payment gateway option in zen. But it doesn't seem such a bad idea to give the option of a proper PCI compliant manual payment gateway in with all those real time ones. Nice and cheap. Food for thought.

Sorry I couldn't be more help to you.

Cheers