[JWait]

Without going to all of the modification you have done, if you use the standard bottom.tpl just put your "cards" in main/prnotice.tpl instead of "Powered by X-Cart..."

{* $Id: prnotice.tpl,v 1.6.2.1 2007/05/18 07:54:00 svowl Exp $ *}
{if $main eq "catalog"}
<div id="images" align="left">
                    <!-- PayPal Logo --><a href="#" onclick="javascript:window.open('https://www.paypal.com/us/cgi-bin/webscr?cmd=xpt/cps/popup/OLCWhatIsPayPal-outside','olcwhatispaypal','toolbar=no, location=no, directories=no, status=no, menubar=no, scrollbars=yes, resizable=yes, width=400, height=350');" style="padding-"><img src="https://www.paypal.com/en_US/i/logo/PayPal_mark_37x23.gif" border="0" alt="Acceptance Mark"></a><!-- PayPal Logo -->
                    <img src="{$ImagesDir}/visa.gif" />
                    <img src="{$ImagesDir}/master.gif" />
                    <img src="{$ImagesDir}/amex.gif"/>
                    <img src="{$ImagesDir}/discover.gif"/>
                </div>
{/if}