Thanks Steve, I just got access to the admin control panel, she is using version 1.3.9h which I want to upgrade to 1.5.0 but am a bit hesitant as newer version always have bugs. Please advise.
Looking at the Payment Modules, this is what I see:

Authorize.net (SIM) authorizenet
Authorize.net (AIM) authorizenet_aim
Authorize.net - eCheck authorizenet_echeck
Cash on Delivery cod
The Zen Cart FREE CHARGE CARD freecharger
FirstData/Linkpoint/YourPay API linkpoint_api
Check/Money Order moneyorder
PayPal Website Payments Standard - IPN PayPal
PayPal Website Payments Pro PayPal
PayPal Express Checkout PayPal

I think Paypal IPN is not installed cuz when I click on "Action" there an option to install it but no remove option.
PayPal Express Checkout on the other end has both "Remove & Edit" so we're good here.
What would you recommend?
Thanks.