Hi! I want to build a reward program for my website, which is outside of the main shopping cart system but still needs to fit into the zencart template. I am wondering if this is possible:

1) I want the customers to fill out some comment pages and enter credit card information. I can do this by cloning and hacking the contact_us page. But then, I will immediately and automatically verify the credit card by obtaining an authorization from the bank without actually charging the card. I don't have a merchant account though. If this is not possible, then, can I at least utilize the built-in validation process of credit card payment zencart has in its checkout procedures? How do I hack the code?

2) I need to charge the customer at a later time rather than immediately. It doesn't matter if it is credit card, google checkout or paypal. But when this happens, I need to have the ability of entering charge total at that time.

Anyone has ideas? Thanks so much!