Thanks woody!
I download the 1.3RC2 and dont see the file "tpl_checkout_payment_default.php"
in the location /includes/templates/YOUR_TEMPLATE/templates/

I am not a programmer, I spent a night to read this forum and still counldn't get it done! Is there a easy way to set it up?

I agree that Paypal is much easier to set up than google check-out, but paypal required login to you site.

Sorry for the late reply WoOdy!