Re: how to remove this from checkout pages?
You can edit templates in Admin backoffice. Look fo the link named Edit templates.
When the editor opens, notice that you are already inside skin1 directory.
The easiest way to find neccessary template is to enable webmaster mode and go to the page you want to edit in storefront. Pay attention to the fact that X-Cart opens popup window with the list of all used templates, wich may be blocked by browser. Click on template name in the list opens template editor with nedded file opened.
To avoid payment method selection just disable all payment methods in backoffice. Follow payment methods link in admin menu, untick all payment methods except credit card and press update button at the bottom of page.
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