Here's my tpl_checkout_payment_default.php

PHP Code:
<?php
/**
 * Page Template
 *
 * Loaded automatically by index.php?main_page=checkout_payment.<br />
 * Displays the allowed payment modules, for selection by customer.
 *
 * @package templateSystem
 * @copyright Copyright 2003-2006 Zen Cart Development Team
 * @copyright Portions Copyright 2003 osCommerce
 * @license http://www.zen-cart.com/license/2_0.txt GNU Public License V2.0
 * @version $Id: tpl_checkout_payment_default.php 4332 2006-09-01 04:33:16Z ajeh $
 * modified for both GoogleCheckout and PayPal Express checkout
 */
?>
<?php 
echo $payment_modules->javascript_validation(); ?>
<div class="centerColumn" id="checkoutPayment">
<?php echo zen_draw_form('checkout_payment'zen_href_link(FILENAME_CHECKOUT_CONFIRMATION'''SSL'), 'post', ($flagOnSubmit 'onsubmit="return check_form();"' '')); ?>

<h1 id="checkoutPaymentHeading"><?php echo HEADING_TITLE?></h1>

<?php if ($messageStack->size('redemptions') > 0) echo $messageStack->output('redemptions'); ?>
<?php 
if ($messageStack->size('checkout') > 0) echo $messageStack->output('checkout'); ?>
<?php 
if ($messageStack->size('checkout_payment') > 0) echo $messageStack->output('checkout_payment'); ?>

<?php
  
if (DISPLAY_CONDITIONS_ON_CHECKOUT == 'true') {
?>
<fieldset>
<legend><?php echo TABLE_HEADING_CONDITIONS?></legend>
<div><?php echo TEXT_CONDITIONS_DESCRIPTION;?></div>
<?php echo  zen_draw_checkbox_field('conditions''1'false'id="conditions"');?>
<label class="checkboxLabel" for="conditions"><?php echo TEXT_CONDITIONS_CONFIRM?></label>
</fieldset>
<?php
  
}
?>
<?php 
// ** BEGIN PAYPAL EXPRESS CHECKOUT **
      
if (!$payment_modules->in_special_checkout()) {
      
// ** END PAYPAL EXPRESS CHECKOUT ** ?>

<h2 id="checkoutPaymentHeadingAddress"><?php echo TITLE_BILLING_ADDRESS?></h2>

<div id="checkoutBillto" class="floatingBox back">
<?php if (MAX_ADDRESS_BOOK_ENTRIES >= 2) { ?>
<div class="buttonRow forward"><?php echo '<a href="' zen_href_link(FILENAME_CHECKOUT_PAYMENT_ADDRESS'''SSL') . '">' zen_image_button(BUTTON_IMAGE_CHANGE_ADDRESSBUTTON_CHANGE_ADDRESS_ALT) . '</a>'?></div>
<?php ?>
<address><?php echo zen_address_label($_SESSION['customer_id'], $_SESSION['billto'], true' ''<br />'); ?></address>
</div>

<div class="floatingBox important forward"><?php echo TEXT_SELECTED_BILLING_DESTINATION?></div>
<br class="clearBoth" />
<?php // ** BEGIN PAYPAL EXPRESS CHECKOUT **
      
}
      
// ** END PAYPAL EXPRESS CHECKOUT ** ?>

<fieldset id="checkoutOrderTotals">
<legend id="checkoutPaymentHeadingTotal"><?php echo TEXT_YOUR_TOTAL?></legend>
<?php
  
if (MODULE_ORDER_TOTAL_INSTALLED) {
    
$order_totals $order_total_modules->process();
?>
<?php $order_total_modules
->output(); ?>
<?php
  
}
?>
</fieldset>

<?php
  $selection 
=  $order_total_modules->credit_selection();
  if (
sizeof($selection)>0) {
    for (
$i=0$n=sizeof($selection); $i<$n$i++) {
      if (
$_GET['credit_class_error_code'] == $selection[$i]['id']) {
?>
<div class="messageStackError"><?php echo zen_output_string_protected($_GET['credit_class_error']); ?></div>

<?php
      
}
      for (
$j=0$n2=sizeof($selection[$i]['fields']); $j<$n2$j++) {
?>
<fieldset>
<legend><?php echo $selection[$i]['module']; ?></legend>
<?php echo $selection[$i]['redeem_instructions']; ?>
<div class="gvBal larger"><?php echo $selection[$i]['checkbox']; ?></div>
<label class="inputLabel"<?php echo ($selection[$i]['fields'][$j]['tag']) ? ' for="'.$selection[$i]['fields'][$j]['tag'].'"'''?>><?php echo $selection[$i]['fields'][$j]['title']; ?></label>
<?php echo $selection[$i]['fields'][$j]['field']; ?>
</fieldset>
<?php
      
}
    }
?>

<?php
    
}
?>
<?php 
// ** BEGIN PAYPAL EXPRESS CHECKOUT **
      
if (!$payment_modules->in_special_checkout()) {
      
// ** END PAYPAL EXPRESS CHECKOUT ** ?>

<fieldset>
<legend><?php echo TABLE_HEADING_PAYMENT_METHOD?></legend>

<?php
  
if (SHOW_ACCEPTED_CREDIT_CARDS != '0') {
?>

<?php
    
if (SHOW_ACCEPTED_CREDIT_CARDS == '1') {
      echo 
TEXT_ACCEPTED_CREDIT_CARDS zen_get_cc_enabled();
    }
    if (
SHOW_ACCEPTED_CREDIT_CARDS == '2') {
      echo 
TEXT_ACCEPTED_CREDIT_CARDS zen_get_cc_enabled('IMAGE_');
    }
?>
<br class="clearBoth" />
<?php ?>

<?php
  $selection 
$payment_modules->selection();

  if (
sizeof($selection) > 1) {
?>
<p class="important"><?php echo TEXT_SELECT_PAYMENT_METHOD?></p>
<?php
  
} elseif (sizeof($selection) == 0) {
?>
<p class="important"><?php echo TEXT_NO_PAYMENT_OPTIONS_AVAILABLE?></p>

<?php
  
}
?>

<?php
  $radio_buttons 
0;
  for (
$i=0$n=sizeof($selection); $i<$n$i++) {
?>

<?php
    
if (sizeof($selection) > 1) {
// GoogleCheckout modification
      
if($selection[$i]['id'] == "googlecheckout")
        continue;
// End GoogleCheckout mod
         
?>
<?php 
echo zen_draw_radio_field('payment'$selection[$i]['id'], ($selection[$i]['id'] == $_SESSION['payment'] ? true false), 'id="pmt-'.$selection[$i]['id'].'"'); ?>
<?php
    
} else {
?>
<?php 
echo zen_draw_hidden_field('payment'$selection[$i]['id']); ?>
<?php
    
}
?>
<label for="pmt-<?php echo $selection[$i]['id']; ?>" class="radioButtonLabel"><?php echo $selection[$i]['module']; ?></label>

<?php
    
if (MODULE_ORDER_TOTAL_COD_STATUS == 'true' and $selection[$i]['id'] == 'cod') {
?>
<div class="alert"><?php echo TEXT_INFO_COD_FEES?></div>
<?php
    
} else {
      
// echo 'WRONG ' . $selection[$i]['id'];
?>
<?php
    
}
?>
<br class="clearBoth" />

<?php
    
if (isset($selection[$i]['error'])) {
?>
    <div><?php echo $selection[$i]['error']; ?></div>

<?php
    
} elseif (isset($selection[$i]['fields']) && is_array($selection[$i]['fields'])) {
?>

<div class="ccinfo">
<?php
      
for ($j=0$n2=sizeof($selection[$i]['fields']); $j<$n2$j++) {
?>
<label <?php echo (isset($selection[$i]['fields'][$j]['tag']) ? 'for="'.$selection[$i]['fields'][$j]['tag'] . '" ' ''); ?>class="inputLabelPayment"><?php echo $selection[$i]['fields'][$j]['title']; ?></label><?php echo $selection[$i]['fields'][$j]['field']; ?>
<br class="clearBoth" />
<?php
      
}
?>
</div>
<br class="clearBoth" />
<?php
    
}
    
$radio_buttons++;
?>
<br class="clearBoth" />
<?php
  
}
?>

</fieldset>
<?php // ** BEGIN PAYPAL EXPRESS CHECKOUT **
      
} else {
        
?><input type="hidden" name="payment" value="<?php echo $_SESSION['payment']; ?>" /><?php
      
}
      
// ** END PAYPAL EXPRESS CHECKOUT ** ?>

<fieldset>
<legend><?php echo TABLE_HEADING_COMMENTS?></legend>
<?php echo zen_draw_textarea_field('comments''45''3'); ?>
</fieldset>

<div class="buttonRow forward"><?php echo zen_image_submit(BUTTON_IMAGE_CONTINUE_CHECKOUTBUTTON_CONTINUE_ALT'onclick="submitFunction('.zen_user_has_gv_account($_SESSION['customer_id']).','.$order->info['total'].')"'); ?></div>
<div class="buttonRow back"><?php echo TITLE_CONTINUE_CHECKOUT_PROCEDURE '<br />' TEXT_CONTINUE_CHECKOUT_PROCEDURE?></div>

</form>
</div>