You do not have to use a drop down so you can turn it off in admin. The number of credit cards that you show the client is also solely dependent on which boxes you yourself have tickes in the worldpay admin side of your zencart shop. If you cannot change the amount of items selected then, have you hardcarded Khalil's code into your website. Historiically Khalil came up with the idea but it required hard coding the select box into the page. Then I coded the possibility or have either a select box or radio buttons into the payment page directly into the module. Like I mentioned t's only a possibility, if you are using the correct module then you should be able to turn it off.
With regards to your caching problems, have you remembered to transfer your settings from test to live at worldpay on rbsworldpay.com by clicking the button on the bottom ? If you turn on debugging emails you would see wordpay attempting to connect even in live mode and if you look down the email, you'd find whether it was sending the correct payment response password.
2 other things really don't use version 1 of worldpay, version 2 exists because version one lets people go to your store, buy whatever they want and then mark it up as paid when worldpay has not got any payment. You also should upgrade from 1.3.7 too, and then patch your installation and move the admin folder. Don't your webiste address here, as due to last month'spatch and exploits it would be like sticking a big sign on your lawn saying "come, gather, break in to my house"
Thank you
Philip.
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